Sr22 Insurance TN: Everything You Need to Know

Getting a DUI or other driving-related convictions can have a significant impact on your life. Not only will you have to face fines and possible jail time, but you may also have to deal with the consequences of a suspended or revoked license. If you live in Tennessee, you may need to get an SR22 insurance policy to get your driver’s license reinstated. In this article, we will provide you with all the information you need to know about SR22 insurance in TN.

What is SR22 Insurance?

SR22 insurance is a type of car insurance policy that is required by the state for individuals who have had their driver’s license suspended or revoked. It’s also known as a certificate of financial responsibility form. This form is a proof of insurance that demonstrates your financial responsibility and ability to pay for damages or losses caused by an accident.

Tennessee is one of the states that require drivers to carry an SR22 insurance policy if they have been convicted of certain driving offenses. Some of these offenses include DUI, reckless driving, driving without insurance, and driving with a suspended or revoked license.

How Does SR22 Insurance Work?

When you get an SR22 insurance policy, your insurance company will file the SR22 form with the state on your behalf. This form confirms that you have the required insurance coverage and that you are financially responsible for any damages or losses you may cause while driving. The SR22 form is usually filed electronically, so you don’t need to worry about any paperwork.

Your SR22 insurance policy will be more expensive than a regular car insurance policy because you are considered high-risk by the insurance company. The good news is that you can compare rates from multiple insurance companies to find the best policy and the most affordable rates. Once you have an SR22 policy, you must maintain it for a certain period, usually three years.

What are the Requirements for SR22 Insurance in TN?

If you need to file an SR22 form in TN, you must meet the following requirements:

Car Insurance
You must have a car insurance policy that meets the minimum requirements set by the state. The minimum liability coverage in Tennessee is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage.
Sr22 Form
You must file an SR22 form with the Tennessee Department of Safety and Homeland Security. Your insurance company will file this form on your behalf.
You must pay a fee to file the SR22 form. The fee is usually around $25.

How Much Does SR22 Insurance Cost in TN?

The cost of SR22 insurance in TN varies depending on several factors, including your age, driving record, and location. On average, you can expect to pay between $300 and $800 per year for an SR22 policy in TN. However, this cost can be higher or lower depending on your individual circumstances. The best way to find the most affordable rates is to compare quotes from different insurance companies.


How long do I need to have an SR22 Insurance policy in TN?

If you need to file an SR22 form in TN, you must maintain the policy for a minimum of three years. After this period, you can switch to a regular car insurance policy.

Can I get an SR22 Insurance policy if I don’t own a car?

Yes, you can get an SR22 insurance policy even if you don’t own a car. You can get a non-owner SR22 policy that provides liability coverage when you drive someone else’s car.

What happens if I don’t file the SR22 form?

If you don’t file the SR22 form or your policy lapses or is canceled, your driver’s license will be suspended or revoked again, and you will have to start the process over.

Can I switch insurance companies with an SR22 policy?

Yes, you can switch insurance companies even if you have an SR22 policy. However, you must make sure that your new insurance company files the SR22 form with the state before canceling your old policy.

What happens if I move to another state?

If you move to another state, you must still maintain the SR22 policy in TN until you fulfill the requirements. You may also need to file an SR22 form in your new state if the offense you committed is also considered a violation in your new state.


If you have had your driver’s license suspended or revoked in TN, you may need to file an SR22 form to get it reinstated. SR22 insurance can be expensive, but it’s essential to meet the requirements and get back on the road legally. By following the guidelines and maintaining your SR22 policy, you can fulfill the requirements and get back to a normal life.