The two companies that provide the cheapest SR-22 insurance in Tennessee 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 or DWI 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 Insurance Co: $295 per year USAA: $295 per year
Cheapest Companies for SR-22 Car Insurance in Tennessee


Cheapest Companies for SR-22 Car Insurance in Tennessee
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 alternatives by comparing your options. Average rates for cheap SR-22 car insurance in Tennessee vary from $233 to $1,513.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
What Is SR-22 in Tennessee?
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 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. If you file for three years within the five-year period, the SR-22 could be canceled.
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.
After you fulfill the required financial responsibility obligations, your insurance provider must file an SR-26 (Financial Responsibility Cancellation Form). This informs the state that you've met all requirements and no longer need to file an SR-22.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Tennessee
The two companies with the cheapest non-owner car insurance for people who need to file SR-22 forms in Tennessee are:
- Auto-Owners Insurance Co: $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, totaled your car or had it taken from you. 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.
While non-owner SR-22 insurance in Tennessee covers third-party bodily injuries and property damage, it doesn't cover injuries to you or your passengers or damage to your car. Professional and rideshare drivers and those driving rental vehicles might need non-owner car insurance if they file an SR-22. We analyzed the most affordable non-owner car insurance options in Tennessee to help you find the one for you.
Average Cost of SR-22 Car Insurance in Tennessee
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 violations within a short time frame might also require you to file an SR-22.
Driving offenses tend to affect insurance premiums because insurance companies consider you as riskier to insure.
If you must keep filing an SR-22, compare rates every time you renew your insurance policy. Insurance rates keep changing, and comparing your options gives you the means to find the most affordable option at any point.
How SR-22 Affects Car Insurance Rates in Tennessee
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, DWI or other serious driving violation, multiple violations in a short duration, an accident without required insurance or unpaid child support payments.
Car Insurance Rate Comparison Based on Driving Records in Tennessee
Annual Premium for Minimum Coverage
$345Annual Premium for Minimum Coverage
$667This is 93% more expensive.
Other Effects of SR-22 on Car Insurance in Tennessee
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.
Limited number of insurance options
Insurance companies view drivers who need to file SR-22 forms as riskier to insure than drivers with clean records. As a result, not all insurers serve drivers who file SR-22s.
Possible policy cancellation
Your car insurance provider may cancel your existing policy if you have to file an SR-22 form.
Length of required filing
You must file an SR-22 in Tennessee for at least three years (36 months), although it can be up to five years (60 months). The requirement may cease if you file for three years during the five years.
Filing fees
You need to pay a one-time filing SR-22 filing fee in Tennessee.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
How to Get SR-22 Insurance in Tennessee
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.
In Tennessee, you need to pay a $50 fee (subject to change) to reinstate your driver’s license after filing an SR-22. If there's a new violation on your record that requires an SR-22 and you've already paid an SR-22 fee, you must pay it again.
How to Get Cheaper Car Insurance in Tennessee After a DUI
Drivers in Tennessee with DUIs on their records generally pay 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.
Compare quotes immediately
If you’re looking for cheap car insurance in Tennessee after needing to file an SR-22, compare quotes from multiple providers because premium costs vary significantly.
Complete DUI classes or programs
Licensed DUI Schools in Tennessee have early intervention programs offering education and assessments for people with DUIs. Attending one might help minimize the possibility of violations in the future, which may lead to reduced risk and more affordable insurance premiums.
Look for discounts
While you wouldn't qualify for a safe-driver discount with a DUI, you might qualify for others. Examples include low-mileage, student, senior, military, bundling and payment discounts.
Practice safe driving
If you already have a DUI, be as cautious as possible when driving and steer clear of adding more violations. You may also consider driving less often or reducing your driving distance.
Shop rates over time
Insurance rates tend to vary over time, and the company that provides the cheapest insurance today might not tomorrow. As a result, you need to compare rates each time your policy is due for renewal.
High-risk drivers may consider looking at non-standard auto insurance providers. This type of insurance is for folks with histories of driving violations like DUIs, at-fault accidents and speeding. While non-standard auto insurance rates are higher than standard insurance, you may more easily find coverage from one of these companies.
Frequently Asked Questions About SR-22 Insurance in Tennessee
Here are answers to commonly asked questions about SR-22 insurance prices and companies in Tennessee.
About Mark Fitzpatrick

sources
- Tennessee Department of Safety & Homeland Security. "Financial Responsibility Affidavits." Accessed June 6, 2023.