SR22 Insurance in Tennessee

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SR22 Insurance in Tennessee
SR22 is a legal document, you are required to file to get your driver's license reinstated. The Tennessee SR22 insurance certifies that you have the minimum state-required car insurance coverage required to drive a vehicle and get your license reinstated.

You will require a Tennessee SR-22 Insurance after being convicted of one of a few serious driving offenses.
  • DUI, DWI, or other major traffic violations.
  • You were involved in an accident where there was bodily injury, death, or damage to property and the driver did not have minimum liability insurance.
  • When there are unpaid legal judgments
  • Caught without auto insurance or are unable to show proof of insurance to the authorities.
  • When there are excessive violations within a short period of time
  • Failure to pay child support
  • What is the minimum coverage needed for motorists requiring SR22 in Tennessee?
    All drivers must carry a minimum liability insurance coverage in Tennessee as below:
  • $25,000 for each injury or death per accident
  • $50,000 for total injuries or deaths per accident
  • $15,000 for property damage per accident
  • What is the fine for driving without car insurance in Tennessee?
    Driving without insurance in Tennessee is a Class A misdemeanor. And if you are involved in an auto accident that results in bodily injury or death and if you are at fault, you could incur a fine of up to $2,500 and maybe even jail time for up to 11 months and 29 days.
    How do I file SR22 insurance form in Tennessee?
    Your SR22 insurance in the state of Tennessee can be acquired from your auto insurance provider who will file your SR22 form with The Driver Services Department of Tennessee State for a filing fee.

    However, if your current insurance provider does not offer SR22 insurance or you’re looking for cheap SR22 in Tennessee, SR22InsuranceNow can help. Just give us a call at our toll free number 888-885-3948. An SR22 specialist will get you free SR22 quotes from top providers in Tennessee. You can compare rates and save big!

    All this can happen just over a phone call. Once you choose the provider, they will file SR22 on your behalf with The Driver Services Department of Tennessee State for a minimum fee. You will receive a copy of the form and a letter from the BMV once your SR22 insurance form filing has been accepted.
    How much does an SR-22 cost in Tennessee?
    Your insurance company will charge you a fee of $15 to $35 to file for SR22 insurance in Tennessee. However, having an SR22 certificate in Tennessee will increase your premium amount depending on the provider you choose your driving violation, age, and other factors.

    Here’s an example of average SR22 insurance rate
    High-risk rating factorAverage annual rateIncrease vs. clean record
    No citations $1,570 -
    At-fault crash less than $2,000 $2,215 $645
    Speeding of 21-25 mph over the limit $2,043 $473
    Reckless driving $2,414 $844
    Hit-and-run $2,414 $844
    DUI/DWI $2,293 $723
    What are the factors affecting your insurance cost in the state of Tennessee?
    Here are some of the factors the affect your insurance cost in the state of Tennessee:
  • Age of the policy holder
  • The city and neighborhood that you live in
  • Marital status
  • Gender
  • Credit score
  • The type of car you own
  • The level of insurance coverage that you purchase
  • How much does an SR-22 policy in Tennessee cost in comparison to a standard auto insurance policy?
    An SR-22 policy tends to be priced higher than a standard auto insurance policy in the state of Tennessee. According to the latest figures, the average cost of annual premium for an insurance policy combined with an SR-22 is around $788, while an insurance policy without an SR-22 costs $487.
    How long will I need an SR-22 in Tennessee?
    You must maintain the SR22 in Tennessee for a minimum of three to five years.
    What happens after my SR22 Insurance expires?
    Once your Tennessee SR22 expires or is canceled, the insurance company will issue an SR-26 to end your coverage.
    Non Owner SR22 Insurance in Tennessee
    Non Owner SR22 insurance in Tennessee is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving.

    The cost of a non owner SR22 insurance depends on a few factors including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

    SR22InsuranceNow can help you find top insurance providers in Tennessee that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your Non – Owner SR22 documented on the same day. Call us at 888-885-3948 today!
    Tennessee DUI Laws & Penalties
    You are not allowed to drive a motor vehicle in Tennessee when your blood alcohol concentration (BAC) reaches 0.08 for all drivers, 0.02 for drivers under the age of 21, and 0.04 for commercial drivers.

    The penalties include 48 hours to 11 months or 29 days (7-day minimum with a 0.20% BAC or more) jail time, and a fine up to $1500 for first-timers.
    What are the penalties for a DUI conviction for the first time in the state of Tennessee?
    An SR-22 certificate is required for the reinstatement of your driving license when you are convicted for a DUI violation. Here are some of the penalties that are applicable for first time Tennessee DUI conviction:
  • Jail sentence depending upon the severity of the violation.
  • Suspension of your driving license
  • Compulsory enrollment in an alcohol and drug treatment program
  • Fine of $350-$1500
  • Compulsory installation of an Ignition interlock device (IID)
  • Who requires Ignition Interlock Device(IID) in the state of Tennessee?
    To curb repeat DUI offenders, the Tennessee department of safety and homeland security has an Ignition Interlock Device(IID) program in place.

    The installation of IIDs can be either mandated by the court or voluntarily installed by the driver.

    The IID must be approved by the state before its installation and is a must in certain cases for revoking the suspension of your driving license.
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