SR-22 in Tennessee: What You Need to Know
Drivers in Tennessee who have been convicted of a serious driving violation, such as a DUI, might need to get SR-22 insurance.
Written by Hillary Kobayashi
Reviewed by Kathleen Flear
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Drivers in Tennessee who have been convicted of a severe driving offense, such as a DUI, might need to file SR-22 forms to continue driving legally.
An SR-22 is a certificate that your insurance company files with the state's DMV guaranteeing that you have purchased minimum coverage insurance.
From
Jerry,
the car insurance
comparison shopping app, here's everything you need to know about the SR-22 form and how it can affect your car insurance in Tennessee:
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What is SR-22 insurance in Tennessee?
An SR-22 in Tennessee provides a driver with legal recognition that they carry the state’s minimum amount of liability insurance.
Tennessee’s minimum coverage requirements
are the following: - Property damage liability: $15,000 per accident
- Bodily injury liability: $25,000 per person / $50,000 per accident
Who needs it?
Drivers in Tennessee who have been convicted of a serious driving violation,
such as a DUI
, might need to get SR-22 insurance.SR-22 certificates are required for Tennessee drivers who are
high-risk
. Typically, they might have had their license suspended or revoked after a serious traffic violation. To get their license reinstated, high-risk drivers need to acquire an SR-22 certificate. Key Takeaway You might need SR-22 insurance in Tennessee if you have been convicted of a serious traffic violation.
How to get it
You can get an SR-22 certificate in Tennessee by requesting it from your insurance company or purchasing a policy with a new insurer. Your insurance company will send your SR-22 documents to the Tennessee Department of Safety.
Most insurance companies operating in Tennessee will provide SR-22 insurance upon request. That being said, you might run into problems finding an insurer if your license has been suspended or revoked. We recommend shopping around for car insurance with the Jerry app, as it is the easiest way to receive quotes from top insurance companies.
You will need to have an SR-22 in Tennessee for three to five years. You’ll need to maintain at least the minimum car insurance coverage required by Tennessee law for that period of time. If there is any gap in your coverage, the clock resets.
Key Takeaway If your license has been suspended or revoked, you might struggle to find an insurer, and if you cannot find an insurer, you cannot request an SR-22 certificate.
How much does it cost?
The filing fee for an SR-22 certificate is a small, one-time fee, but it will usually be accompanied by an expensive
hike in your insurance premium
. The increase in your coverage costs will depend on the violations on your record.
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How an SR-22 impacts your insurance in Tennessee
An SR-22 will impact both your car insurance rates and your choice of insurers.
Also, not all insurance companies will insure drivers who need an SR-22 certificate, so you will be limited in your selection of insurers.
How to find cheap car insurance
If you have any serious offenses on your driving record, you will likely see your car insurance rates go up. But, shopping around will help you find the best and most affordable policy.
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be.
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