Cheapest SR-22 Car Insurance in Tennessee

Farm Bureau provides Tennessee's cheapest SR-22 insurance at $844 for minimum coverage and $2,160 for full coverage. That minimum price is $672 under the statewide average of $1,516, positioning Farm Bureau 44% below typical rates for drivers looking to minimize SR-22 costs.

Progressive, the most expensive on our list, costs $1,508 for minimum coverage, essentially at the state average but $664 more than Farm Bureau. Tennessee's mid-range SR-22 market still offers meaningful savings through comparison shopping.

The table below highlights the five insurers with the most affordable SR-22 premiums in Tennessee.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most frequently ranks as the category leader in Tennessee. The least-expensive category is Drivers With Multiple Speeding Tickets, at $638 for minimum coverage SR-22 insurance with Farm Bureau, while the most expensive is Young Drivers 

With a Suspension, at $911 with Travelers. The $273 difference shows how age and suspension history can sharply increase premiums.

Exact pricing ultimately depends on your violation type and how long it remains on your driving record.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Fayetteville posts the cheapest minimum coverage SR-22 at $621 (Farm Bureau), while Memphis averages $1,089 (Travelers). The $468 gap is about 75% higher in the western city, tracking with metro-level crash frequency and repair costs.

Insurers rely on ZIP-code risk signals including traffic density, theft, and claim patterns to set Tennessee's city-specific SR-22 rates.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers stands as the best car insurance provider for SR-22 filing in Tennessee, offering the strongest combination of affordable rates, quality customer service and useful coverage options with the highest overall MoneyGeek score. Consider Farm Bureau, Farmers, Progressive and State Farm in your search as well.

To comply with Tennessee laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. Depending on the severity of the violation, noncompliance with requirements, or repeated offenses, this period can extend to five years or longer.

Tennessee drivers must understand various insurance laws and regulations beyond just filing an SR-22 form to meet the state's minimum coverage requirements.

In Tennessee, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Tennessee:

MoneyGeek analyzed hundreds of thousands of quotes across Tennessee to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Tennessee SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Tennessee's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.