Cheapest SR-22 Car Insurance in Tennessee (2024)

The two companies that provide the cheapest SR-22 insurance in Tennessee with minimum coverage are:

• State Farm: $233 per year
• Erie: $431 per year

You might need to file an SR-22 form if you have a serious driving violation like a DUI on your record. Filing the form does not affect insurance premiums automatically. However, violations requiring its filing tend to impact how much you pay for auto insurance.

The cheapest non-owner SR-22 insurance plans in Tennessee come from:

• Auto-Owners: $295 per year
• USAA: $295 per year

The companies with the cheapest minimum coverage SR-22 insurance policies in Tennessee for drivers with DUIs are:

• State Farm: $233 per year
• Erie: $431 per year

When it comes to full coverage, the least expensive options are:

• State Farm: $622 per year
• Farmers: $1,081

You may expect to pay higher premiums for auto insurance with a violation on your driving record because insurance companies feel there’s a higher possibility of you filing a claim. However, you may find affordable insurance by comparing your options. Average rates for cheap SR-22 car insurance in Tennessee vary from $233 to $1,513.

SR-22 is a form you might need to file if you have driving violations like DUIs. It's not an insurance policy but a certificate of financial responsibility. An SR-22 doesn't directly affect insurance rates, but the violations that require the filing usually do. If you need an SR-22 and don't own a car but do drive, you should consider non-owner car insurance.

In Tennessee, you might need to file an SR-22 for up to five years after a violation, depending on its severity.

Your auto insurance provider needs to file this form on your behalf. Your premium costs might increase after the filing because your insurer would view you as a high-risk driver.

The two companies with the cheapest non-owner car insurance for people who need to file SR-22 forms in Tennessee are:

• Auto-Owners: $295 per year
• State Farm: $302 per year

USAA might work well for members of the military community. It charges $295 per year for non-owner SR-22 car insurance. You might need to file an SR-22 form even if you don't own a car. It depends on the situation, but being ordered to do so often comes with the territory if you temporarily lost your license or totaled your car. We analyzed rates from different non-owner SR-22 car insurance providers in Tennessee, and the corresponding table indicates they vary from $295 to $892.

If you have a DUI on your driving record and need to file an SR-22, expect to pay an average of $667 per year for minimum coverage auto insurance in Tennessee. It changes to $1,606 for full coverage.

You may need to file an SR-22 for other driving violations like at-fault accidents and speeding. Multiple moving violations within a short time frame might also require you to file an SR-22.

Driving offenses tend to negatively affect insurance premiums because insurance companies consider you as riskier to insure.

If you need to file an SR-22 form in Tennessee, expect your auto insurance premium to increase by an average of $322 per year. This may vary based on the offense's severity, your driving history and other factors.

You may need to file an SR-22 if you have a DUI or other serious driving violation, multiple violations in a short duration, an accident without required insurance or unpaid child support payments.

In addition to potentially raising insurance premiums, filing an SR-22 could result in fewer insurance options, filing fees or having your insurance canceled altogether.

If you need to get auto insurance in Tennessee after a violation that requires you to file an SR-22, follow these steps:

• Look for companies offering insurance to people with driving violations.
• Compare options based on cost, customer satisfaction and claims denial rates.
• Choose an insurance policy meeting at least the state’s minimum liability requirements.
• Get your insurance provider to submit an SR-22 form on your behalf.
• Keep paying the required fees to ensure your SR-22 form remains current.

Drivers in Tennessee with DUIs on their records generally pay significantly more than drivers with clean records. However, finding affordable SR-22 car insurance is possible if you compare your options, attend DUI classes/programs and drive more safely.

Here are answers to commonly asked questions about SR-22 insurance prices and companies in Tennessee.