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Cheapest SR-22 insurance in Tennessee

State Farm has the cheapest SR-22 insurance in Tennessee, but drivers may also get cheap coverage from USAA, Erie, and others.

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Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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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.

A bar graph showing the cheapest auto insurance in Tennessee for drivers with an SR-22 on their records.

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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

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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:

  1. 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.

  2. 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.

  3. 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.

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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.

Corrections

No corrections since publication.

Author

Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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