Tennessee drivers with high-risk traffic violations like driving under the influence (DUI) or reckless driving on their records need their insurance company to file an SR-22 form. This form indicates that their insurance policy fulfills the minimum insurance requirements of the state. SR-22 policies are, in essence, the same as standard car insurance policies, but with higher premiums due to the seriousness of the violations. MoneyGeek found that the most affordable Tennessee car insurance provider for SR-22 coverage, State Farm, costs an average of $430 per year.
Tennessee SR-22 Insurance: What It Is and How Much It Costs
Which Tennessee Insurance Companies Offer the Cheapest SR-22 Insurance?
The severity of the associated traffic violations makes SR-22 policies more expensive than typical auto insurance policies. The form itself requires only a small, one-time filing fee. Associated offenses, like DUI, can raise your insurance rates dramatically. Minimum coverage SR-22 insurance in Tennessee costs about $788 per year on average when an SR-22 is filed due to a DUI. On the other hand, a typical car insurance policy in Tennessee without an SR-22 costs only about $487 on average.
While SR-22 insurance in Tennessee can be expensive, there are a variety of low-cost options available. MoneyGeek found that the most affordable provider of SR-22 auto insurance in Tennessee was State Farm, with an average cost of $430 per year for a minimum coverage policy.
Cheapest Companies for SR-22 Insurance in Tennessee
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These costs are for a policy that meets the minimum car insurance requirements in Tennessee or a full coverage policy that includes $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage coverage.
Average car insurance costs tend to be higher overall if you need an SR-22. The severity of your violation, filing fees and loss of discounts all factor into the overall cost of SR-22 insurance. If you need to file an SR-22 in Tennessee at an affordable rate, be sure to compare quotes from at least three different providers.
There is a filing cost associated with SR-22 forms, usually a one-time fee of $25.
After you file an SR-22, you will no longer qualify for good driver discounts, which can make your policy more expensive.
Prices of SR-22 insurance can vary according to the seriousness of the violation. Serious offenses like hit-and-runs can cause rates to climb significantly.
What Is SR-22 Insurance in Tennessee? Who Needs It? How Do You Get It?
While it is often called “SR-22 insurance,” an SR-22 is not a particular type of insurance policy. Rather, it is a form that your insurer files on your behalf with the state to show that you meet the state’s minimum liability coverage requirements. SR-22 forms are usually required for drivers with serious driving offenses — like DUIs or reckless driving — on their records. Insurance after a DUI offense can be significantly costlier than it was before the offense. Insurance companies typically file SR-22 forms electronically but make sure to check with your provider for specific practices.
An SR-22 proves that your insurance policy meets the minimum insurance requirements in the state of Tennessee. In Tennessee, these minimum requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Who Needs SR-22 Insurance in Tennessee? And for How Long Do They Need It?
While violations that require an SR-22 can vary from state to state, there are some violations that can almost certainly cause you to need SR-22 coverage in Tennessee. These include:
- Reckless driving
- Driving with a suspended license
- Driving without insurance coverage
Generally, SR-22 coverage is not required for minor violations. Drivers in Tennessee with accidents or tickets can shop around for lower premiums and won’t have to pay as much as those with an SR-22. How long you need SR-22 insurance in Tennessee depends on the seriousness of the violation, but it’s three years in most cases.
How Do You Get SR-22 Insurance in Tennessee?
Upon your request, your insurance provider can file an SR-22 form with the state. Since SR-22 forms are meant for high-risk drivers, certain providers might choose not to offer you coverage if you need an SR-22. When you find coverage, it is likely to be much more expensive than your rate before a violation.
Non-Owner SR-22 Insurance in Tennessee
If you commit a major driving violation and have your license suspended, you may need to file an SR-22 form and buy insurance to get your license reinstated, even if you don’t own a car.
In this scenario, the least expensive option in Tennessee is non-owner car insurance. These plans are more affordable than a conventional policy for automobile owners. Non-owner insurance is ideal for those who need proof of insurance — even if they don’t drive regularly — and for those who often drive cars they don’t own, such as people who rent cars frequently or borrow them from friends or family.
The average cost of non-owner car insurance in Tennessee for SR-22 filers is $718 per year, but costs differ greatly by provider. On average, the cheapest SR-22 non-owner insurance is from GEICO, at an annual rate of $283. The next most affordable option is USAA at roughly $324 per year, but this company’s policies are only available to military personnel and their families.
The Average Cost of Non-Owner SR-22 Car Insurance in Tennessee
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MoneyGeek determined prices for non-owner car insurance for drivers with a DUI on their record, buying policies in Tennessee covering $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.
FAQs About SR-22 Insurance in Tennessee
Drivers looking for SR-22 insurance in Tennessee often have questions about rates, insurance providers and form filing. Some of the most common of these include:
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MoneyGeek analyzed car insurance premiums from 11 of the top insurance companies in Tennessee that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Tennessee. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
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