Non-Owner SR-22
Get a Quote

Tennessee SR-22 & High-Risk Auto Insurance

Tennessee requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$50 to file, but high-risk premiums average $2,200–$4,500 annually depending on violation type and driving history.

Compare Tennessee Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Traffic accident with white car and overturned dark SUV on city street with apartment buildings in background
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated July 2026

State Requirements

Tennessee mandates minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage (25/50/15). SR-22 filing is required for DUI convictions, driving on a suspended license, accumulating 12 points in 12 months, at-fault accidents without insurance, and repeat offenses. The Tennessee Department of Safety requires continuous SR-22 certification for 3 years, and any lapse triggers license suspension and restarts the filing period.

Tennessee cityscape and street view
$25,000/$50,000/$15,000
Liability Insurance
Tennessee's minimum liability limits are among the lowest in the Southeast and may be insufficient after a serious at-fault accident. High-risk drivers often face bodily injury claims exceeding $25,000, which would leave them personally liable for the difference. SR-22 filers must maintain continuous liability coverage or face immediate license suspension.
Minimum state liability limits
SR-22 Insurance
SR-22 is not separate insurance but a certificate filed by your carrier with the Tennessee Department of Safety proving you carry at least minimum liability coverage. The filing itself costs $15–$50, but the underlying insurance for high-risk drivers typically costs $2,200–$4,500 annually. Tennessee requires 3 years of continuous SR-22 certification, and any coverage lapse triggers automatic suspension and restarts the clock.
Not required but offered
Uninsured Motorist Coverage
Tennessee does not mandate uninsured motorist coverage, but it must be offered by all carriers. Approximately 20% of Tennessee drivers are uninsured, one of the highest rates in the South. For high-risk drivers who cannot afford to pay out-of-pocket after another accident, uninsured motorist coverage at $25,000/$50,000 typically adds $10–$25 monthly to SR-22 policies.
Varies by carrier
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk profiles and are often the only option after DUI, multiple violations, or SR-22 requirements. These policies may require full payment upfront or high down payments (30–50% of the annual premium). Tennessee has several non-standard carriers operating statewide, but rates vary significantly based on violation type and county.
Liability + Comprehensive + Collision
Full Coverage
Full coverage combines liability, comprehensive, and collision insurance. For high-risk drivers with financed vehicles, lenders require full coverage even with SR-22 status. Annual premiums for full coverage with SR-22 in Tennessee typically range from $3,500–$6,500 depending on vehicle value and deductible selection.
State-Mandated Minimum Coverage · Tennessee

Tennessee Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$65

Meeting the state minimum keeps you legal. See whether it's enough — get your Tennessee quote.

Get your Tennessee quote

Cost Overview

High-risk auto insurance rates in Tennessee vary significantly based on violation type, location, and driving history. DUI convictions typically increase premiums by 80–140% over standard rates, while SR-22 requirements for license suspensions may increase rates by 50–90%. Urban counties like Davidson and Shelby generally see higher premiums than rural areas due to accident frequency and theft rates.

What Affects Your Rate

  • Violation type: DUI convictions carry higher surcharges than speeding violations or point accumulation
  • Time since violation: Rates decrease 15–30% at the 3-year mark when violations drop off the driving record
  • County: Urban areas like Memphis (Shelby County) and Nashville (Davidson County) see rates 20–35% higher than rural counties
  • Age and experience: Drivers under 25 with SR-22 requirements face compounded high-risk classification
  • Filing duration remaining: Some carriers offer modest discounts after 2 years of clean SR-22 filing
  • Down payment ability: Non-standard carriers may reduce monthly costs if 30–50% is paid upfront
Minimum SR-22 Coverage
$185–$280/mo
State minimum liability (25/50/15) with SR-22 filing for a driver with one DUI or major violation. Non-standard carriers only.
Standard High-Risk Coverage
$250–$375/mo
Increased liability limits (50/100/25) with SR-22 filing for drivers with DUI or multiple violations. Recommended for drivers with assets to protect.
Full Coverage with SR-22
$290–$540/mo
Liability, comprehensive, and collision coverage with SR-22 for high-risk drivers with financed vehicles. Required by lenders regardless of driving record.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

Get Your Free Quote
✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Tennessee's 25/50/15 minimums are low for high-risk drivers who face elevated lawsuit risk after another violation.

SR-22 Insurance

Certification filed by your carrier proving continuous coverage. Required for 3 years in Tennessee after DUI, suspensions, or uninsured accidents.

Uninsured Motorist Coverage

Covers your injuries and damage when hit by an uninsured driver. Not required in Tennessee but recommended given the state's 20% uninsured driver rate.

Non-Standard Auto Insurance

Policies designed for drivers with DUIs, SR-22 requirements, lapses, or multiple violations. Often the only option after license reinstatement.

Collision Coverage

Covers damage to your vehicle in an at-fault accident. Required by lenders for financed vehicles even with SR-22 status.

Comprehensive Coverage

Covers non-collision damage like theft, vandalism, or weather. Required for financed vehicles and recommended in high-theft areas.

Find Your City in Tennessee

Nashville, Tennessee cityscape and street view

Nashville

urban
Memphis, Tennessee cityscape and street view

Memphis

urban
Knoxville, Tennessee cityscape and street view

Knoxville

urban
Chattanooga, Tennessee cityscape and street view

Chattanooga

urban
Clarksville, Tennessee cityscape and street view

Clarksville

suburban
Murfreesboro, Tennessee cityscape and street view

Murfreesboro

suburban
Aerial view of upscale lakeside suburban neighborhood at sunset with large homes around a lake

Franklin

suburban
Sunset through wildflowers and grass field with golden sky and silhouetted plants

Jackson

urban
Nashville skyline at sunset with AT&T Building and Cumberland River in foreground

Johnson City

urban
Panoramic view of green rolling hills, farmland, and distant mountains under a blue sky with white clouds

Hendersonville

suburban
Downtown city skyline at night with illuminated skyscrapers and office buildings

Kingsport

urban
Historic brick building with white clock tower and red dome roof against blue sky

Maryville

suburban

Frequently Asked Questions

Get Your Free Quote in Tennessee