SR-22 Insurance in Tennessee
Tennessee requires SR-22 insurance for 1 year (first DUI), longer for repeat offenses after qualifying offenses. You must carry at least $25,000/$50,000 bodily injury and $15,000 property damage coverage. Common triggers include dui conviction, reckless driving, driving without insurance. Tennessee has a shorter SR-22 period for first DUI (1 year) compared to most states.
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Overview
Tennessee requires high-risk drivers to carry an SR-22 form after major traffic offenses like a DUI, reckless driving, or driving without insurance. The filing period is typically 1 year for a first DUI offense, with longer periods for repeat offenses.
Key Facts
Minimum Coverage Requirements
What Triggers SR-22 Requirement
- DUI conviction
- Reckless driving
- Driving without insurance
- License revocation
Cost
How to File
Contact Your Insurance Provider
Call your current auto insurance company and request an SR-22 filing. Not all insurers offer SR-22 — if yours doesn't, you'll need to find a new provider. Compare quotes from multiple companies to find the best rate.
Purchase Required Coverage
Ensure your policy meets Tennessee's minimum requirements: $25,000/$50,000 bodily injury and $15,000 property damage.
Insurer Files SR-22 with the State
Your insurance company electronically files the SR-22 certificate with the Tennessee DMV/motor vehicle agency. This usually takes 1-3 business days. You'll receive a confirmation copy.
Apply for License Reinstatement
Once the SR-22 is on file, complete your license reinstatement process including paying the reinstatement fee and any outstanding fines or court costs.
Maintain Continuous Coverage for 1 year (first DUI), longer for repeat offenses
Keep your SR-22 insurance active for the full required period of 1 year (first DUI), longer for repeat offenses without any lapses. Set up autopay to avoid missed payments. If your policy lapses, your insurer will notify the state and your license may be re-suspended.
What Happens If Coverage Lapses
If your SR-22 insurance lapses in Tennessee, your insurer is required to notify the state DMV by filing an SR-26 form. This will likely result in immediate license suspension, potential fines, and a restart of the full SR-22 filing period (1 year (first DUI), longer for repeat offenses). Avoid any gaps in coverage by setting up automatic payments.
Important Notes
Tennessee has a shorter SR-22 period for first DUI (1 year) compared to most states.
Frequently Asked Questions
- How long do I need SR-22 insurance in Tennessee?
- In Tennessee, you typically need to maintain SR-22 insurance for 1 year (first DUI), longer for repeat offenses. The clock starts from the date your SR-22 is filed with the state. Any lapse in coverage may reset this timeline.
- How much does SR-22 insurance cost in Tennessee?
- The SR-22 filing fee itself is typically $15-$50. However, the real cost is the insurance premium increase — expect to pay $300-$800+ more per year than standard rates. Total additional cost over the filing period is typically $1,000-$3,000+. Shop around and compare quotes to find the best rate.
- What triggers SR-22 requirement in Tennessee?
- Common triggers include: DUI conviction, Reckless driving, Driving without insurance, License revocation. The specific requirement depends on the offense and may be determined by the court or DMV.
- What happens if my SR-22 lapses in Tennessee?
- If your SR-22 policy lapses, your insurance company is required to notify the Tennessee DMV. Your license will likely be re-suspended, and you may need to restart the entire SR-22 filing period from the beginning. You could also face additional fines and penalties.
- What are Tennessee's minimum coverage requirements for SR-22?
- Tennessee requires minimum coverage of $25,000 per person / $50,000 per accident for bodily injury and $15,000 for property damage.
Video Guides
Take Action — Direct Links
- Tennessee DMV — License Reinstatement
Official information about license reinstatement requirements in Tennessee, including SR-22 filing instructions.
- Tennessee Minimum Insurance Requirements
Insurance Information Institute — Tennessee minimum coverage: $25,000/$50,000/$15,000.
- Compare SR-22 Insurance Quotes
Compare SR-22 insurance quotes from multiple providers to find the best rate.
More for Tennessee
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
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