- Understanding SR-22 insurance in Tennessee
- How much does SR-22 insurance cost in Tennessee?
- Average SR-22 insurance cost in Tennessee by violation
- Non-owners SR-22 insurance in Tennessee
- How long do you need an SR-22 in Tennessee?
- Reasons for requiring SR-22 insurance in Tennessee
- Tips to lower SR-22 insurance costs in Tennessee
- Methodology
- SR-22 insurance in Tennessee: FAQ
- Compare Tennessee SR-22 rates with other states
Understanding SR-22 insurance in Tennessee
SR-22 insurance isn't a type of insurance. It's a form your insurance company files with the state to prove you have the minimum car insurance required to drive in Tennessee. SR-22 insurance generally refers to auto insurance coverage that requires an SR-22 filed by your insurance company for you.
Most drivers in Tennessee don't need SR-22 insurance. Drivers who do need an SR-22 have been convicted of serious violations like reckless driving, DUIs, or multiple offenses in a short time. If you are required to file an SR-22, you will be informed of how long you need to keep it.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Tennessee?
While filing an SR-22 form is typically inexpensive, the associated fines and increased insurance rates are costly. On average, SR-22 insurance in Tennessee is $2,067 but varies significantly based on the driver and infraction.
Keep in mind that insurance rates vary from company to company, so shop around to find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Tennessee by violation
Your insurance rates don't go up because of the SR-22. The state requires the SR-22 due to a violation, and that violation is what causes your rates to increase.
For example, you may need an SR-22 if you get a DUI or drive without insurance. The increase in your car insurance rate will depend on the violation, not the SR-22 itself.
This table shows the average costs for violations that require an SR-22. The rates vary based on the type of violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $2,082 |
| DUI/DWI first offense | $2,952 |
| DUI/DWI second offense | $4,360 |
| Reckless driving | $2,926 |
| SR22 Filing Only | $2,067 |
| SR22 with 1 DUI | $3,423 |
SR-22 insurance cost by company for a first DUI
After a single DUI, the cheapest company on average is State Farm with average rates of $1,823. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.
The table below shows how average insurance rates vary by company after one DUI. Insurance rates do increase after a DUI, but the rise isn't as steep as it is for multiple violations.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,823 | $152 |
| Progressive | $1,916 | $160 |
| Travelers | $2,219 | $185 |
| Erie Insurance | $2,519 | $210 |
| GEICO | $2,921 | $243 |
| Nationwide | $3,364 | $280 |
| Farmers | $3,729 | $311 |
| Allstate | $4,173 | $348 |
| USAA | $2,309 | $192 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is Erie Insurance, with an average rate of $1,729 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Tennessee leads to fines, an SR-22 requirement and higher car insurance rates.
Check the table below to compare average insurance rates for reckless driving from different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Erie Insurance | $1,729 | $144 |
| State Farm | $1,823 | $152 |
| Progressive | $2,154 | $180 |
| Travelers | $2,219 | $185 |
| Nationwide | $3,364 | $280 |
| GEICO | $3,389 | $282 |
| Farmers | $3,877 | $323 |
| Allstate | $4,173 | $348 |
| USAA | $1,604 | $134 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after being ticketed for driving without insurance is Erie Insurance at an average yearly rate of $1,729.
In Tennessee, drivers must carry at least the minimum required auto insurance. If you don't, you could face fines, higher insurance rates, and the need to file an SR-22.
The table below shows car insurance rates by company for drivers who had a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Erie Insurance | $1,729 | $144 |
| State Farm | $1,823 | $152 |
| Travelers | $1,953 | $163 |
| Nationwide | $1,976 | $165 |
| Progressive | $2,135 | $178 |
| Farmers | $2,552 | $213 |
Non-owners SR-22 insurance in Tennessee
Tennessee might require you to file an SR-22 form even if you don't own a car, usually if it's needed to get your license back. If you occasionally borrow or rent a car, you can buy non-owner SR-22 insurance, which meets the legal requirements, and your insurance company can file the SR-22 with that policy.
It's important to remember that non-owner car insurance only gives you extra liability coverage when you drive someone else's car. If you buy a car, you'll need to get the proper insurance to drive it legally in Tennessee.
How long do you need an SR-22 in Tennessee?
In Tennessee, drivers usually need to keep an SR-22 for the length of suspension or revocation period. If you don't maintain insurance during this time, the consequences can be serious. You'll be breaking the law and could face more fines and penalties.
Reasons for requiring SR-22 insurance in Tennessee
"Most Tennessee drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Tennessee for reasons such as:
- Getting a DUI
- Reckless driving
- Receiving several traffic violations in a short period
- Failing to keep auto insurance
- Refusing to take a breathalyzer test
- Causing an at-fault accident that results in serious injuries or death
Tips to lower SR-22 insurance costs in Tennessee
Although your insurance rates will go up if you need an SR-22, you can still find affordable coverage by shopping around.
You can lower your auto insurance costs with an SR-22 by:
- Using all available discounts. Most insurance companies let you bundle discounts to help you save more.
- Raising your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Taking a defensive driving course. Some insurers offer a discount for completing the course, and some states remove points from your license, which can help lower your insurance rates.
- Signing up for a usage-based program. If you show good driving habits while being monitored, you could earn a discount.
- Shopping around for SR-22 insurance. Compare quotes from several companies to find the cheapest SR-22 insurance in Tennessee.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Tennessee: FAQ
What happens if I fail to maintain SR-22 insurance in Tennessee?
The consequences may be severe if you don't retain insurance and fail to maintain your SR-22 filing. Possible consequences include:
- Revoked driver's license
- Fines
- Increased auto insurance
- Restarting your SR-22 time period
- Having your car impounded
- Jail time
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Your new insurer must file the SR-22 on your behalf. Make sure your new policy, along with the SR-22, is active before you cancel your old one.
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