SR-22 Insurance Services
Fifteen situations that put a Tennessee driver into the SR-22 system, and what we do about each one.
Serving Davidson, Williamson, Rutherford, Sumner and Wilson Counties
Downtown Nashville. Photo: Crystal Castillo via Google Maps
What we file
Owner SR-22 Policies
If you own a vehicle registered in Tennessee, your SR-22 attaches to a liability policy on that vehicle.
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Non-Owner SR-22
No vehicle? A non-owner policy still satisfies the state filing, and it is usually the cheapest way to reinstate.
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SR-22 After a DUI
A DUI conviction triggers a revocation, and your SR-22 runs as long as that revocation does.
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Drive Insured TN Notices
A letter from the Department of Revenue is a different problem from an SR-22 — different agency, different penalty, different clock.
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Suspended License Insurance
You can buy a policy while your license is suspended — and for most reinstatements, you have to.
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SR-22 + Ignition Interlock
Two separate requirements that have to line up. We handle the filing side and help you sequence the rest.
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Drivers Under 21
Tennessee’s threshold for drivers under 21 is .02, and underage driving while impaired is on the state’s SR-22 list.
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Driving Uninsured
Tennessee’s Financial Responsibility Law requires proof of insurance. An uninsured accident claim can put you into the SR-22 system.
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Points & Repeat Violations
An accumulation of points or convictions can trigger a suspension — so can two reckless driving violations in 12 months.
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Reckless, Racing, Hit-and-Run
Serious moving violations carry longer revocations — which, under Tennessee law, means longer SR-22 periods.
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Unsatisfied Judgment
An unpaid judgment from a motor vehicle accident can suspend your license and require future proof of financial responsibility.
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Out-of-State Drivers
An SR-22 obligation follows you across state lines. Which state needs what is the part worth getting right.
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Same-Day Filing
Tennessee takes the certificate electronically, so there is no reason to wait on the mail.
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Payment Plans
SR-22 policies land at a bad financial moment. Low down payments and monthly installments exist.
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Full Coverage + SR-22
An SR-22 certifies liability only. If you finance or lease, your lender still wants comprehensive and collision.
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CDL & Commercial
If you drive for a living in Middle Tennessee, a suspension is a livelihood problem, not an inconvenience.
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Rideshare & Delivery
Uber, Lyft, DoorDash, and Amazon Flex drivers need a rideshare endorsement on top of an SR-22-compliant policy.
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Getting Off SR-22
When the requirement clears, you should stop paying high-risk rates. We watch for that date.
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Motorcycle & Household
Motorcycle liability with a filing, multi-vehicle households, and excluded-driver arrangements.
Learn moreWhat Is SR-22 Insurance in Tennessee?
An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurance company files electronically with the Tennessee Department of Safety and Homeland Security to prove you carry at least the state’s minimum liability coverage. Tennessee requires this filing from drivers whose licenses were suspended or revoked for certain violations.
Here is what Tennessee specifically requires:
- Who files itThe policy must be filed electronically with the department by an insurance company licensed through the Tennessee Department of Commerce and Insurance to issue motor vehicle liability coverage in Tennessee. You cannot file it yourself.
- How long you need itTennessee requires the SR-22 to be maintained for the length of your suspension or revocation period. A one-year revocation means a one-year SR-22 requirement — Tennessee does not apply a flat three-year rule the way many other states do.
- When it startsThe SR-22 can be maintained while you hold a restricted license, or beginning at reinstatement.
- What happens if it lapsesIf the policy is canceled or terminated before the requirement is complete, your driving privileges can be suspended again for Failure to Maintain Future Proof of Financial Responsibility. You would then have to refile the SR-22, pay reinstatement fees again, and reapply.
- How to check whether you still need oneOpen your reinstatement requirements in the Department of Safety e-Services portal. If SR22 is not listed among your requirements, you are no longer required to carry it.
Minimum coverage required: Tennessee’s minimum liability limits are 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident (T.C.A. Sec. 55-12-102).
Source: Tennessee Department of Safety and Homeland Security — Do I need SR-22 Insurance?. See also Tennessee Department of Safety and Homeland Security — Reinstatements.
How Much Does SR-22 Insurance Cost in Nashville?
The filing fee itself is small — carriers typically charge $15 to $25, usually once. Tennessee is explicit that the cost of the insurance is determined by the insurance company, not the state.
What actually raises your price is the violation behind the filing. Third-party rate studies put average SR-22 auto insurance in Tennessee in the range of roughly $130 to $215 per month for minimum-limits coverage after a DUI, against roughly $65 to $80 per month for a driver with a clean record. Nashville rates tend to run above the statewide average because of urban traffic density and claim frequency in Davidson County.
Your actual quote depends on the specific violation and its date, your age and how long you have been licensed, your ZIP code, whether you choose an owner or non-owner policy, your vehicle, your limits and deductibles, and any lapse in prior coverage.
The single most useful thing to understand: carriers disagree enormously about high-risk drivers. It is routine to see a wide spread between the highest and lowest quote for the same driver and the same coverage. That spread is the entire reason to use an independent agency instead of calling one carrier.
Reinstatement fees are separate from your premium
Tennessee charges reinstatement fees that vary by violation type, on top of whatever your insurance costs. The Department of Safety offers an installment plan: You must owe more than $75 in reinstatement fees and meet all other reinstatement requirements. There is $25 administrative fee due when you enter the plan, then $75 every quarter (every three months), up to 60 months to clear the balance.
Confirm your exact amount on your official reinstatement requirements page in e-Services.
Rate figures on this page are third-party estimates shown for illustration and are not a quote. Your premium is determined by the insurance carrier based on your individual record. Tennessee does not set the price of your insurance.
Source: Tennessee Department of Safety and Homeland Security — Payment Plan for Reinstatement Fees.
Ready to get filed?
Most Middle Tennessee drivers get a quote in under 10 minutes and have the filing submitted the same business day.
Get Your Nashville SR-22 Quote in Under 10 Minutes
Tell us your violation, your ZIP code, and whether you own a vehicle. We will compare carriers, give you a real number, and file with the Tennessee Department of Safety as soon as you are ready.
Or call (629) 312-5200 · Text (629) 312-5200 · Open Monday-Friday, 9:00 a.m. to 6:00 p.m.. Se habla español. No obligation, no credit card to get a quote.
Submitting this form does not bind coverage and is not an application. Coverage begins only when a carrier issues a policy.