What are the cheapest SR-22 car insurance options in Tennessee?

State Farm provides the cheapest SR-22 insurance policies in Tennessee , charging $233 per year for minimum coverage and $622 per year for full coverage. When it comes to non-owner auto insurance, Auto-Owners Insurance Co. provides the cheapest policies at $295. The most affordable non-owner auto insurance for members of the military comes from USAA, also at $295.

How much does filing an SR-22 increase car insurance rates, on average?

The violation and your history help determine how much an SR-22 affects your Tennessee insurance rate . If you have a clean record, you need to pay an average of $345 per year for minimum coverage. It increases to $424 per year for drivers with tickets, $534 per year for at-fault accidents and $667 per year for DUIs.

How long do you need to have an SR-22 in Tennessee?

How long you need an SR-22 in Tennessee should be three to five years, depending on whether you have another violation.

Cheapest SR-22 Car Insurance in Tennessee (2023)

State Farm provides the cheapest SR-22 insurance for car owners in Tennessee, at $233 per year. The cheapest for non-owners comes from Auto-Owners Insurance Co, at $295 per year. A DUI might require you to file an SR-22 form.

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 SR-22 InsuranceTennessee

2023

Cheapest Companies for SR-22 Car Insurance in Tennessee

Cheapest for SR-22 - State Farm

What Is SR-22?

Cheapest for Non-Owner SR-22 - Auto-Owners and American National

SR-22 Average Cost

How SR-22 Affects Rates

Other Effects of SR-22

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.

Age Group

Coverage

Driving Violation

Company	Annual Premium	Monthly Premium
State Farm	$197	$16
Auto-Owners Insurance Co	$207	$17
Auto-Owners Insurance Co	$209	$17
State Farm	$210	$17
State Farm	$220	$18
State Farm	$220	$18
State Farm	$233	$19
State Farm	$233	$19
State Farm	$241	$20
Erie	$253	$21
Erie	$254	$21
State Farm	$256	$21
State Farm	$257	$21
Erie	$266	$22
Tennessee Farm Bureau	$266	$22
Tennessee Farm Bureau	$266	$22
Tennessee Farm Bureau	$266	$22
Erie	$267	$22
Tennessee Farm Bureau	$278	$23
Tennessee Farm Bureau	$278	$23
Tennessee Farm Bureau	$278	$23
State Farm	$284	$24
State Farm	$284	$24
Cincinnati Insurance	$288	$24
Auto-Owners Insurance Co	$292	$24
Westfield	$293	$24
Auto-Owners Insurance Co	$294	$24
Auto-Owners Insurance Co	$299	$25
State Farm	$313	$26
Westfield	$323	$27
Grange Insurance	$325	$27
Cincinnati Insurance	$330	$28
Grange Insurance	$333	$28
Erie	$342	$29
Cincinnati Insurance	$344	$29
Westfield	$345	$29
Chubb	$348	$29
Erie	$349	$29
Erie	$349	$29
Westfield	$351	$29
Erie	$356	$30
Farmers	$366	$31
Grange Insurance	$371	$31
Tennessee Farm Bureau	$374	$31
Tennessee Farm Bureau	$374	$31
Tennessee Farm Bureau	$374	$31
GEICO	$376	$31
Chubb	$376	$31
Auto-Owners Insurance Co	$378	$31
Auto-Owners Insurance Co	$381	$32
Westfield	$388	$32
Farmers	$390	$32
Chubb	$394	$33
American National P&C	$401	$33
GEICO	$401	$33
Cincinnati Insurance	$401	$33
Nationwide	$401	$33
Progressive	$401	$33
GEICO	$405	$34
Travelers	$410	$34
Westfield	$414	$34
Tennessee Farm Bureau	$416	$35
Auto-Owners Insurance Co	$421	$35
Cincinnati Insurance	$422	$35
Chubb	$428	$36
Erie	$431	$36
Progressive	$431	$36
Erie	$432	$36
Tennessee Farm Bureau	$436	$36
GEICO	$445	$37
Grange Insurance	$453	$38
Farmers	$458	$38
Farmers	$458	$38
Travelers	$460	$38
GEICO	$461	$38
Grange Insurance	$464	$39
Travelers	$465	$39
Erie	$465	$39
American National P&C	$467	$39
Progressive	$483	$40
American National P&C	$488	$41
American National P&C	$493	$41
GEICO	$496	$41
Grange Insurance	$496	$41
Nationwide	$503	$42
Cincinnati Insurance	$503	$42
Grange Insurance	$504	$42
Westfield	$505	$42
Progressive	$511	$43
Farmers	$515	$43
State Farm	$516	$43
Allstate	$519	$43
Allstate	$525	$44
Farmers	$529	$44
Progressive	$535	$45
Westfield	$535	$45
Grange Insurance	$536	$45
Farmers	$542	$45
Auto-Owners Insurance Co	$545	$45
Travelers	$548	$46
Grange Insurance	$553	$46
Westfield	$557	$46
Nationwide	$557	$46
Farmers	$557	$46
Allstate	$558	$47
Allstate	$561	$47
State Farm	$564	$47
State Farm	$564	$47
GEICO	$566	$47
American National P&C	$567	$47
Allstate	$568	$47
Nationwide	$570	$47
Auto-Owners Insurance Co	$570	$48
Travelers	$572	$48
Auto-Owners Insurance Co	$573	$48
Progressive	$573	$48
Grange Insurance	$574	$48
Erie	$575	$48
Auto-Owners Insurance Co	$575	$48
Travelers	$577	$48
State Farm	$579	$48
Nationwide	$583	$49
Grange Insurance	$584	$49
American National P&C	$587	$49
Tennessee Farm Bureau	$589	$49
American National P&C	$592	$49
Chubb	$592	$49
Progressive	$595	$50
Farmers	$597	$50
Travelers	$603	$50
Allstate	$607	$51
Auto-Owners Insurance Co	$611	$51
State Farm	$612	$51
Farmers	$614	$51
Progressive	$615	$51
Cincinnati Insurance	$616	$51
Farmers	$619	$52
Chubb	$620	$52
State Farm	$622	$52
State Farm	$622	$52
Allstate	$637	$53
Nationwide	$638	$53
Travelers	$638	$53
GEICO	$638	$53
Grange Insurance	$641	$53
Farmers	$644	$54
Chubb	$645	$54
Allstate	$646	$54
Allstate	$648	$54
Travelers	$650	$54
Allstate	$657	$55
Cincinnati Insurance	$662	$55
American National P&C	$666	$56
Travelers	$667	$56
Nationwide	$671	$56
State Farm	$673	$56
American National P&C	$674	$56
Progressive	$682	$57
Travelers	$687	$57
Nationwide	$688	$57
Allstate	$694	$58
GEICO	$702	$58
GEICO	$703	$59
American National P&C	$704	$59
Cincinnati Insurance	$705	$59
Allstate	$707	$59
Chubb	$711	$59
Erie	$714	$60
Erie	$714	$60
State Farm	$728	$61
Cincinnati Insurance	$730	$61
Farmers	$732	$61
Erie	$738	$62
Erie	$745	$62
Tennessee Farm Bureau	$749	$62
Tennessee Farm Bureau	$749	$62
Tennessee Farm Bureau	$749	$62
Westfield	$751	$63
Westfield	$760	$63
Travelers	$762	$63
American National P&C	$765	$64
Farmers	$765	$64
GEICO	$769	$64
Nationwide	$776	$65
Cincinnati Insurance	$781	$65
Nationwide	$782	$65
Progressive	$794	$66
Grange Insurance	$794	$66
State Farm	$796	$66
State Farm	$796	$66
Nationwide	$799	$67
American National P&C	$800	$67
GEICO	$806	$67
Nationwide	$816	$68
Auto-Owners Insurance Co	$824	$69
Nationwide	$826	$69
Auto-Owners Insurance Co	$827	$69
Cincinnati Insurance	$834	$70
Grange Insurance	$851	$71
GEICO	$862	$72
Cincinnati Insurance	$862	$72
State Farm	$863	$72
Tennessee Farm Bureau	$863	$72
Tennessee Farm Bureau	$863	$72
Tennessee Farm Bureau	$863	$72
Auto-Owners Insurance Co	$874	$73
Auto-Owners Insurance Co	$875	$73
Progressive	$879	$73
Nationwide	$886	$74
Chubb	$887	$74
GEICO	$889	$74
Westfield	$901	$75
Cincinnati Insurance	$901	$75
Travelers	$904	$75
Allstate	$910	$76
Westfield	$912	$76
Travelers	$915	$76
Progressive	$920	$77
Erie	$927	$77
Erie	$928	$77
Farmers	$936	$78
Allstate	$958	$80
Erie	$960	$80
Nationwide	$961	$80
Westfield	$964	$80
Cincinnati Insurance	$971	$81
Grange Insurance	$974	$81
GEICO	$980	$82
Allstate	$983	$82
Erie	$992	$83
Westfield	$992	$83
Farmers	$995	$83
Farmers	$998	$83
Chubb	$1,003	$84
Chubb	$1,006	$84
GEICO	$1,007	$84
Allstate	$1,007	$84
Westfield	$1,022	$85
Auto-Owners Insurance Co	$1,032	$86
Nationwide	$1,032	$86
Cincinnati Insurance	$1,039	$87
Westfield	$1,045	$87
Nationwide	$1,051	$88
American National P&C	$1,063	$89
Progressive	$1,065	$89
Allstate	$1,066	$89
American National P&C	$1,069	$89
Travelers	$1,071	$89
Farmers	$1,081	$90
Auto-Owners Insurance Co	$1,082	$90
Farmers	$1,091	$91
Allstate	$1,091	$91
Chubb	$1,092	$91
Cincinnati Insurance	$1,099	$92
Erie	$1,111	$93
Erie	$1,114	$93
GEICO	$1,119	$93
Farmers	$1,132	$94
Chubb	$1,140	$95
Farmers	$1,140	$95
Farmers	$1,155	$96
Westfield	$1,157	$96
Westfield	$1,158	$97
Grange Insurance	$1,167	$97
Westfield	$1,169	$97
Allstate	$1,173	$98
Progressive	$1,181	$98
Grange Insurance	$1,185	$99
Grange Insurance	$1,188	$99
Tennessee Farm Bureau	$1,189	$99
Tennessee Farm Bureau	$1,189	$99
Tennessee Farm Bureau	$1,189	$99
Tennessee Farm Bureau	$1,190	$99
Nationwide	$1,196	$100
Allstate	$1,209	$101
Grange Insurance	$1,209	$101
American National P&C	$1,231	$103
GEICO	$1,234	$103
Erie	$1,235	$103
American National P&C	$1,235	$103
Farmers	$1,238	$103
Allstate	$1,249	$104
Nationwide	$1,254	$105
Auto-Owners Insurance Co	$1,262	$105
Allstate	$1,274	$106
Travelers	$1,275	$106
Allstate	$1,290	$107
Farmers	$1,291	$108
Cincinnati Insurance	$1,304	$109
Grange Insurance	$1,308	$109
Allstate	$1,314	$109
Progressive	$1,322	$110
Travelers	$1,326	$111
Progressive	$1,328	$111
American National P&C	$1,347	$112
Nationwide	$1,347	$112
American National P&C	$1,359	$113
American National P&C	$1,362	$113
Travelers	$1,370	$114
Tennessee Farm Bureau	$1,372	$114
Westfield	$1,373	$114
Chubb	$1,382	$115
GEICO	$1,383	$115
Grange Insurance	$1,398	$117
Travelers	$1,399	$117
Travelers	$1,433	$119
GEICO	$1,440	$120
American National P&C	$1,441	$120
Chubb	$1,452	$121
Grange Insurance	$1,455	$121
Travelers	$1,456	$121
Cincinnati Insurance	$1,459	$122
Travelers	$1,463	$122
American National P&C	$1,467	$122
Erie	$1,482	$123
Auto-Owners Insurance Co	$1,489	$124
Chubb	$1,503	$125
Chubb	$1,513	$126
Progressive	$1,526	$127
Grange Insurance	$1,540	$128
Auto-Owners Insurance Co	$1,545	$129
Progressive	$1,547	$129
Nationwide	$1,547	$129
American National P&C	$1,554	$130
Nationwide	$1,559	$130
Auto-Owners Insurance Co	$1,572	$131
Progressive	$1,574	$131
Travelers	$1,586	$132
GEICO	$1,587	$132
Travelers	$1,603	$134
Cincinnati Insurance	$1,616	$135
Nationwide	$1,640	$137
Chubb	$1,662	$139
American National P&C	$1,689	$141
Progressive	$1,692	$141
Grange Insurance	$1,716	$143
Chubb	$1,716	$143
GEICO	$1,720	$143
GEICO	$1,738	$145
American National P&C	$1,802	$150
Cincinnati Insurance	$1,823	$152
GEICO	$1,851	$154
Nationwide	$1,852	$154
Tennessee Farm Bureau	$1,894	$158
Progressive	$1,920	$160
Cincinnati Insurance	$2,016	$168
Progressive	$2,089	$174
Westfield	$2,100	$175
Westfield	$2,110	$176
Progressive	$2,197	$183
Auto-Owners Insurance Co	$2,264	$189
Cincinnati Insurance	$2,282	$190
Westfield	$2,313	$193
Progressive	$2,531	$211
Cincinnati Insurance	$2,531	$211
Chubb	$2,542	$212
Chubb	$2,619	$218
Chubb	$3,499	$292
Chubb	$4,026	$336
Chubb	$6,070	$506

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.

MONEYGEEK EXPERT TIP

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.

Driving Violation

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$171	$14
State Farm	$272	$23
Auto-Owners Insurance Co	$295	$25
State Farm	$302	$25
GEICO	$315	$26
Farmers	$411	$34
Travelers	$417	$35
GEICO	$470	$39
Progressive	$492	$41
Travelers	$544	$45
Nationwide	$600	$50
Farmers	$606	$51
Nationwide	$692	$58
Progressive	$892	$74

WHAT IS NON-OWNER CAR INSURANCE?

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.

Age Group

Coverage

Driving Record	Annual Premium	Monthly Premium
At-Fault Accident	$646	$54
Clean	$846	$70
At-Fault Accident	$1,281	$107
At-Fault Accident	$1,587	$132
At-Fault Accident	$559	$47
At-Fault Accident	$1,247	$104
At-Fault Accident	$534	$45
Clean	$350	$29
DUI	$836	$70
DUI	$2,028	$169
Clean	$1,074	$89
Clean	$425	$35
Ticket	$424	$35
Ticket	$1,001	$83
DUI	$667	$56
Ticket	$441	$37
DUI	$1,606	$134
Ticket	$1,291	$108
Ticket	$514	$43
Clean	$340	$28
DUI	$681	$57
Ticket	$1,039	$87
Clean	$796	$66
DUI	$1,533	$128

MONEYGEEK EXPERT TIP

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

Clean Driving Record

Annual Premium for Minimum Coverage

$345

After a DUI

Annual Premium for Minimum Coverage

$667

Car insurance premiums after a DUI are on average:$322 more

This 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.

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.

TENNESSEE LICENSE REINSTATEMENT FEE

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.

MONEYGEEK EXPERT TIP

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

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

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

Cheapest SR-22 Car Insurance in Tennessee (2023)

Compare Rates

On This Page:

Cheapest Companies for SR-22 Car Insurance in Tennessee

Compare Auto Insurance Rates

What Is SR-22 in Tennessee?

Cheapest Companies for Non-Owner SR-22 Car Insurance in Tennessee

Average Cost of SR-22 Car Insurance in Tennessee

How SR-22 Affects Car Insurance Rates in Tennessee

Car Insurance Rate Comparison Based on Driving Records in Tennessee

Other Effects of SR-22 on Car Insurance in Tennessee

Limited number of insurance options

Possible policy cancellation

Length of required filing

Filing fees

Compare Auto Insurance Rates

How to Get SR-22 Insurance in Tennessee

How to Get Cheaper Car Insurance in Tennessee After a DUI

Frequently Asked Questions About SR-22 Insurance in Tennessee

sources