Cheapest SR-22 insurance in Tennessee
We found that State Farm has the cheapest SR-22 insurance in Tennessee. On average, coverage from State Farm costs $78 per month or $936 a year. That’s $1,637 cheaper per year than the statewide average in Tennessee.
You can find cheap SR-22 insurance from other companies, too, including USAA, Erie, and others. Since the cost of car insurance depends so much on the driver, it’s a good idea to compare quotes from different companies before you buy.

Compare rates and shop affordable car insurance today
We don't sell your information to third parties.
Company | Average monthly cost of SR-22 insurance | Average yearly cost of SR-22 insurance |
---|---|---|
State Farm | $78 | $936 |
USAA | $122 | $1,469 |
Erie | $146 | $1,750 |
Travelers | $158 | $1,902 |
Farmers | $180 | $2,160 |
GEICO | $197 | $2,363 |
Auto-Owners | $199 | $2,384 |
Progressive | $200 | $2,399 |
Grange Mutual | $204 | $2,451 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Tennessee
We found the companies with the cheapest SR-22 insurance in Tennessee by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.
Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
An SR-22 is not actually a type of insurance. Instead, it’s a form that your insurance company files for you to show that you’re insured. Tennessee requires drivers have at least:
Bodily injury liability (BIL): $25,000 per person, $50,000 per accident
Property damage liability (PDL): $15,000 per accident
In Tennessee, you’ll have to get an SR-22 after a suspended license or a serious driving violation, like driving under the influence or getting too many points on your license.
You must have an SR-22 for three to five years in Tennessee. You can avoid getting an SR-22 if you wait five years before reinstating your suspended license. You wouldn’t be able to legally drive during that time, though.
How to get SR-22 insurance in Tennessee
You can follow these steps to get an SR-22 in Tennessee:
Find a company that offers coverage: Not all companies will file an SR-22 for high-risk drivers, so plan on spending more time looking for coverage.
Pay your fines: Besides getting SR-22 insurance, you may have to pay a fine, take a driving or alcohol abuse class, or appear for a hearing before you’re able to drive again.
Don’t let your SR-22 lapse — or be sure to renew it quickly: In Tennessee, you must have an SR-22 for three to five years. If your policy lapses before that time, you can renew it within 20 days and avoid a second suspension.
Compare rates and shop affordable car insurance today
We don't sell your information to third parties.
Non-owner SR-22 insurance in Tennessee
If you have a license but don’t own a car, you’ll still have to get SR-22 insurance after a driving violation or when your license is suspended. In this case, the best way to get your license back is a non-owners SR-22 instead of a standard policy.
Non-owners insurance is a type of policy that comes with basic liability insurance. You can’t add comprehensive or collision coverage to non-owners policy, so it’s usually cheaper than a standard policy.
As with a regular policy, when you get non-owners coverage your insurance company files the SR-22 for you. At the same time, non-owners insurance isn’t offered as commonly as a regular policy, so plan to spend more time searching for coverage.
Frequently asked questions
Is car insurance required in Tennessee?
Yes, all drivers must have a minimum amount of car insurance. If you’re not insured and you’re caught, you’ll be fined, your license will be suspended, and you’ll have to carry an SR-22 for at least three years.
How do you remove an SR-22 in Tennessee?
After the three to five years that Tennessee requires you to have an SR-22, you’ll be able to contact your car insurance provider and ask them to remove it. If you do so too soon, the state will be notified and you’ll face fines and a longer SR-22 period.
Do you need an SR-22 if you don’t live in Tennessee?
If your license was suspended by Tennessee but you live out of state, you’ll still have to file an SR-22 in Tennessee. You can also file for a waiver with Tennessee’s Department of Safety and Homeland Security.