Tennessee SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of Tennessee
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How SR-22 works in Tennessee
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Tennessee Department of Safety and Homeland Security to prove you carry at least the state minimum coverage. Tennessee usually requires one to reinstate your license after a DUI, a refused test, too many points, an accident claim or unpaid judgment from a crash, or another serious driving offense, and you keep it for the length of your suspension or revocation period.
- Your insurance company files the SR-22 with the Department of Safety electronically for you
- Keep the policy active the whole time. If it's canceled, the department mails you a notice and you have 20 days to file a new SR-22 before your license is suspended
- A licensed agent can quote it today and explain your options
Tennessee minimum car insurance
Tennessee requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage. The property damage minimum was $15,000 until January 1, 2023, when it rose to $25,000. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in Tennessee
If you don't own a car, Tennessee allows a non-owner policy for your SR-22, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Tennessee
We help drivers anywhere in Tennessee. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Tennessee SR-22 questions
Who needs an SR-22 in Tennessee?
The Tennessee Department of Safety usually requires one to reinstate after a DUI, refusing a breath or blood test, 12 or more points in 12 months, a crash claim you couldn't show insurance for, an unpaid court judgment from a crash, or another serious offense like vehicular assault or two reckless driving convictions in a year. A ticket for no proof of insurance alone usually needs proof of insurance, not an SR-22.
How long do I need an SR-22 in Tennessee?
For the length of your suspension or revocation period. For example, a 1-year revocation means 1 year of SR-22. A new suspension that also needs an SR-22 starts the clock over. Your requirements in the department's e-Services show whether you still need it.
What happens if my SR-22 lapses in Tennessee?
Your insurer reports the cancellation to the Department of Safety, which mails you a notice. You have 20 days to file a new SR-22 or your license is suspended, and to reinstate you refile the SR-22 and pay reinstatement fees. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Tennessee without a car?
Yes. Tennessee allows a non-owner policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: Tennessee Department of Safety: Financial Responsibility Laws and SR-22 · Tennessee Department of Revenue: minimum liability limits
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