DUI Car Insurance in Tennessee

For most drivers with a DUI in the state, Tennessee Farm Bureau offers the cheapest car insurance at $48 per month for minimum coverage. State Farm, Travelers and Erie also have affordable rates for those with a DUI conviction.

*Rates are for a 40-year-old male driver with good credit insuring a 2012 Toyota Camry.

The rates above reflect a standard driver profile, but your actual costs depend on your age, credit score and coverage choices. Use the filters below to find the cheapest insurers for your specific situation.

*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Tennessee law for most drivers.

Car insurance with a DUI in Tennessee costs around $940 per year for minimum coverage. Your actual rate depends on your driver profile and coverage level. A DUI increases rates by around 64% compared to drivers without violations.

*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Tennessee law for most drivers.

While car insurance rates increase after a DUI, the fine itself is only the beginning. Other expenses can quickly add up to thousands of dollars. Here's a refined breakdown:

• Fines and fees. Tennessee law requires DUI offenders to pay mandatory fines that depend on the number of offenses. First-time convictions carry fines from $600 to $3,500. A second DUI within five years may also involve vehicle seizure on top of a fine. A third offense brings a fine of $1,100 to $10,000, while a fourth or subsequent DUI is considered a Class E felony, with fines ranging from $3,000 to $15,000.
• Towing and impound fees. Your vehicle is towed and impounded following a DUI arrest. Reclaiming it involves initial towing and impound fees ($250 to $500), plus storage fees depending on impoundment length.
• Drug and alcohol education or treatment. Courts in Tennessee commonly require DUI offenders to enroll in an alcohol/drug treatment program or DUI school. Standard DUI school instruction can cost anywhere from $150 to $500.
• Ignition interlock device. Following a DUI, Tennessee often mandates the installation of a breath alcohol ignition interlock device (BAIID). Installation can cost up to $225, with monthly leasing, monitoring, and maintenance fees as high as $125. An annual administrative fee of $12.50 also applies, bringing first‑year costs to over $1,000.
• DMV reinstatement and SR‑22 fees. Reinstating a license after a DUI involves multiple state fees, including a reinstatement fee of $65 to $100, a $50 SR‑22 financial responsibility filing fee, and a possible $75 failure‑to‑surrender fee.  
• Court, attorney, restitution and accident costs. If your DUI involves an accident, injury, or property damage, expect to pay legal costs, attorney fees (often several thousand dollars), court costs, restitution to victims and possible civil liability .

After a DUI conviction in Tennessee, drivers must file an SR‑22 certificate to prove financial responsibility. Under Tennessee law, the SR‑22 must be maintained for three continuous years, though the court or DMV may require it for up to five years based on your violation severity. Coverage must meet the state’s minimum liability limits: $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. Failing to carry the SR‑22 or allowing a lapse in coverage will result in license suspension.

Tennessee Farm Bureau, State Farm and Travelers offer the cheapest car insurance for Tennessee drivers with a DUI. Compare rates, research costs and decide what coverage you need to find the best deal.

MoneyGeek's expert answers to common questions about Tennessee DUI insurance:

A DUI conviction complicates your insurance search. Some companies refuse coverage entirely, while others charge rates that strain your budget. We evaluated insurers willing to cover Tennessee drivers with DUIs, focusing on those that balance accessibility with reasonable premiums.

Our analysis compared financial stability, customer satisfaction, claims handling and affordability using data from state insurance departments and Quadrant Information Services. These factors matter because a cheap policy from an unstable insurer won't help when you need to file a claim.

Sample Driver Profile

We gathered quotes for a 40-year-old male driving a 2012 Toyota Camry LE with 12,000 annual miles. We collected rates both with and without a DUI to show the exact cost increase you'll face. We then adjusted this profile across different ages, coverage levels and violation types to reflect Tennessee's diverse driver population.

Your actual rates will vary based on your circumstances, but these comparisons show which insurers offer the most competitive options for DUI drivers in Tennessee. Use these findings as a starting point, then request personalized quotes to get accurate rates for your situation.