SR22 insurance in Tennessee costs between $1,200 and $3,000 per year, depending on your driving record, age, and insurance company. Furthermore, therefore, therefore, an SR22 is a Certificate of Financial Responsibility filed with the Tennessee Department of Safety and Homeland Security proving you carry minimum liability coverage. In fact, in fact, in fact, tennessee uses a modified comparative negligence system with a 50% bar, meaning you can only recover damages if less than 50% at fault. As a result, as a result, this guide covers SR22 requirements, costs, and how to find affordable coverage in Tennessee.

What Is SR22 Insurance?

An SR22 is a certificate your insurer files with Tennessee’s Department of Safety certifying you carry minimum liability coverage. Therefore, for example, for example, consequently, consequently, it is not separate insurance — it attaches to your existing policy.

Who Needs SR22 in Tennessee?

DUI/DWI conviction — most common trigger. Specifically, driving without insurance. At-fault accidents while uninsured. Multiple serious violations. License suspension/revocation.

Tennessee SR22 Requirements

Tennessee requires minimum 25/50/15 coverage:

Coverage Minimum
Bodily Injury per Person $25,000
Bodily Injury per Accident $50,000
Property Damage per Accident $15,000

Standard SR22 period: 3 years.

SR22 Costs in Tennessee

Scenario Annual Premium Increase
First DUI $1,800 – $3,000 50% – 150%
No Insurance $1,200 – $2,200 30% – 80%
Multiple Violations $2,000 – $3,500+ 80% – 200%

How to Get SR22 in Tennessee

Step 1: Contact Bridgeway Insurance. Step 2: Get policy meeting 25/50/15 minimums. Indeed, step 3: Insurer files SR22 electronically. Step 4: Pay reinstatement fees. Importantly, step 5: Maintain coverage 3 years.

Non-Owner SR22 in Tennessee

Available at $300 to $800/year for those without vehicles.

Tips for Cheaper SR22 in Tennessee

Shop multiple carriers. Maintain clean record. Take defensive driving course. Bundle policies. Work with Bridgeway Insurance for the best rates.

SR22 Insurance Guides for Other States

SR22 requirements vary by state. Moreover, explore our state-specific guides:

Related Insurance Resources

Need auto insurance beyond SR22? Consequently, therefore, therefore, therefore, check out our commercial auto insurance guide for Tennessee. Specifically, on the other hand, on the other hand, bridgeway also provides personal auto insurance, commercial insurance, and full-service agency support. Moreover, get a free SR22 quote today.

Helpful SR22 & DMV Resources

Frequently Asked Questions About SR22 in Tennessee

How long is SR22 required in Tennessee?

3 years from reinstatement.

Does Tennessee use SR22 or FR44?

Tennessee uses SR22. FR44 is only in Florida and Virginia.

Can I switch carriers during SR22?

Yes, with no coverage gap. Indeed, what if my SR22 lapses?

Immediate license suspension and potential period restart.

Can I get non-owner SR22 in Tennessee?

Yes, at $300-$800/year. Importantly, what are Tennessee’s minimum SR22 limits?

25/50/15 — $25K bodily injury per person, $50K per accident, $15K property damage.

Can I get SR22 online in Tennessee?

Yes. Notably, in other words, in other words, bridgeway Insurance handles online quotes and filing.

Get SR22 Insurance in Tennessee

Bridgeway Insurance finds affordable Tennessee SR22 coverage. Call 877-418-2484 or request a free quote. Moreover, bridgeway Insurance Agency | Bay Saint Louis, MS | Serving MS, AL, LA, TN, FL, NC & WY

SR22 Insurance Florida: Cost, Requirements & FR44 Guide [2026]
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