SR22 Insurance in Tennessee is a type of car insurance that is required if you have had your license suspended or revoked due to certain offenses.
When you buy a car, one of the most important steps is to get insurance for it. The cost of this type of insurance can be quite expensive, but there are some ways you can save money.
In this blog, we’ll explain what an SR22 insurance policy is, and how to get one in Tennessee. We’ll also discuss the cost of insurance, as well as the different types of coverage that are available.
Finally, we’ll provide tips on when to renew your SR22 insurance policy, so that you don’t have to worry about rates ever again.
SR22 Insurance Tennessee
SR22 Insurance is a type of auto insurance required by the Tennessee Department of Safety and Homeland Security. This insurance is necessary for individuals who have had their license suspended or revoked due to certain violations, such as DUI or reckless driving.
An SR22 is not an actual insurance policy, but rather a form that your insurance company files with the Tennessee Department of Safety and Homeland Security confirming that you have the required liability coverage.
The SR22 must be filed for three years, during which time you must maintain continuous coverage. Without this coverage, you may be fined, your license may be suspended again, or other penalties may apply.
Who Needs SR22 Insurance in Tennessee
Drivers in Tennessee who have been convicted of certain traffic offenses, such as DUI or reckless driving, may need to file an SR22 insurance form with the state. This form serves as proof of financial responsibility and is often required when reinstating a driver’s license after it has been suspended or revoked.
Other reasons for needing SR22 insurance in Tennessee include accumulating too many points on your driving record, causing an accident without insurance, or being cited for no insurance.
In Tennessee, you must maintain the SR22 filing for a period of three years from the date your license was reinstated. If the SR22 filing lapses during this period, your license may be suspended again until the SR22 is reinstated.
How to Get an SR22 Insurance in Tennessee
Getting an SR22 Insurance in Tennessee is relatively simple, but it’s important to understand the process and what you need to do to be compliant with the state. Here are the steps you’ll need to take to get an SR22 Insurance Tn:
- Choose Your Insurer: First, you’ll need to decide which company you want to buy your SR22 Insurance from. The state of Tennessee requires that any insurer providing SR22 Insurance have an active license in the state and have proof of financial responsibility.
- Obtain an SR22 Filing: Once you’ve chosen a provider, you will need to obtain an SR22 filing from them. This is basically a document that confirms that your chosen insurer is willing and able to provide you with the necessary coverage.
- File the SR22: After you’ve received the SR22 filing from your insurer, you will need to submit it to the Tennessee Department of Safety and Homeland Security. You can submit the form either in person or by mail.
- Pay the Fees: Once your filing has been processed, you will need to pay the applicable fees associated with getting SR22 Insurance Tn. These fees vary depending on the amount of coverage you purchase and can range from a few hundred dollars up to several thousand dollars.
Once you’ve taken all of these steps, you will officially have an SR22 Insurance policy in Tennessee. Be sure to always keep your policy active and in good standing in order to remain compliant with the state’s regulations.
SR22 Insurance Tennessee Cost
The cost of SR22 Insurance in Tennessee will vary depending on your driving record, type of vehicle, and other factors. Generally, the state average for SR22 Insurance is between $400 and $700. The amount you pay also depends on the insurance company you choose. Some insurers offer lower rates than others, so it pays to shop around.
If you are considered a high-risk driver, you may be charged more for SR22 Insurance in Tennessee. Factors such as age, gender, driving record, and type of vehicle can influence your rates. There are also certain discounts available to those who qualify. Drivers over the age of 55 may be eligible for a discount if they have taken a defensive driving course. Certain auto insurance companies also offer discounts if you bundle policies or have multiple cars insured with them.
It is important to get quotes from several insurance providers before deciding which one to choose. Be sure to look into coverage limits and deductibles to ensure you are getting the most comprehensive policy for your needs. With the right plan and provider, you can find competitive rates for SR22 Insurance in Tennessee.
Average Cost of SR22 Insurance in Tennessee
If you’re looking to get SR22 Insurance in Tennessee, you may be wondering what the average cost of SR22 Insurance is in the state. The exact cost of SR22 Insurance in Tennessee can vary greatly depending on your particular situation, but on average it usually costs around $35 – $60 per month.
In addition to the monthly premium, there may also be a one-time filing fee ranging from $15 – $25 that needs to be paid. When considering how much you’ll pay for SR22 Insurance in Tennessee, it’s important to factor in any additional fees that may apply.
The actual cost of SR22 Insurance in Tennessee will also depend on the type of coverage you choose and any discounts that may be available. It’s always best to shop around for quotes to ensure you’re getting the best deal possible on SR22 Insurance TN.
How to Find the Best SR22 Insurance Rate in Tennessee
Finding the cheapest SR22 Insurance in Tennessee can be a challenge, but it doesn’t have to be! Shopping around for the best rates and comparing quotes from multiple insurance companies can help you save money on your SR22 insurance premium. While the cost of SR22 Insurance in TN will vary by company and other factors, here are some tips to help you get the best rate.
Shop Around: Don’t just go with the first insurer you come across. You should compare quotes from at least three to four different companies to make sure you’re getting the best deal.
Ask About Discounts: Most insurers offer discounts for various reasons, such as maintaining a clean driving record, having more than one car insured through them, or even being a student. Don’t be afraid to ask about any discounts that may apply to you.
Choose Higher Deductible: Higher deductibles can help lower your premiums. Just be sure to only choose deductibles you can actually afford if something does happen and you need to file a claim.
Consider an SR22-Friendly Company: Some companies specialize in providing SR22 Insurance in TN and may have lower rates than standard insurers. Shop around and compare rates to see if you can get a better deal.
By following these tips, you should be able to find the cheapest SR22 Insurance in Tennessee and save money on your premiums. Make sure to shop around, ask about discounts, opt for higher deductibles, and consider an SR22-friendly company to get the best rate.
Cheapest SR22 Insurance in Tennessee
If you are looking for the cheapest companies for SR22 Insurance in Tennessee, you’re in luck. There are many companies offering affordable rates to drivers who need an SR22 insurance policy in Tennessee. Some of the top companies for SR22 Insurance in Tennessee are State Farm, GEICO, Progressive, Allstate, and Farmers.
GEICO offers some of the most competitive rates for SR22 insurance in Tennessee and also provides discounts for customers who bundle multiple policies. Their coverage is comprehensive and includes medical payments, uninsured motorist, and property damage liability.
Progressive is one of the leading providers of SR22 Insurance in Tennessee. They offer competitive rates and a wide range of discounts including discounts for good drivers and discounts for those who purchase multiple policies from them. They also offer a variety of coverage options including liability, collision, and uninsured motorist protection.
Allstate provides SR22 Insurance in Tennessee at competitive rates and with discounts for customers who bundle their policies. Their coverage includes liability, collision, and uninsured motorist protection.
Farmers is another top provider of SR22 Insurance in Tennessee that offers competitive rates and discounts for bundling multiple policies. Their coverage options include liability, collision, and uninsured motorist protection as well as medical payments.
When shopping for SR22 Insurance in Tennessee, it is important to compare rates from multiple providers to ensure you get the best deal. Research each company to see which one offers the coverage and discounts that best fit your needs.
Cheapest Companies for SR22 Insurance in Tennessee
There are a number of alternative companies that provide affordable low cost SR-22 insurance in Tennessee. According to Get Today Insurance, State Farm is the most cost-effective provider of SR-22 auto insurance in Tennessee, with an annual average of $410 for basic coverage.
| Company | Average Annual Rate |
| State Farm | $410 |
| Progressive | $470 |
| USAA | $587 |
| GEICO | $664 |
| Erie | $670 |
| Allstate | $730 |
| Travelers | $831 |
| Nationwide | $900 |
| Farmers | $950 |
| MetLife | $1,541 |
Non Owner SR22 Insurance Tennessee
If you are in need of an SR22 Insurance in Tennessee but don’t own a car, you may be able to get a Non Owner SR22 Insurance policy. A Non Owner SR22 policy is simply an insurance policy that provides you with the same coverage as an SR22 policy but does not require that you own a vehicle.
It is ideal for those who don’t own a car but need to obtain the SR22 insurance coverage that is mandated by Tennessee law. The cost of non owner SR22 Insurance in Tennessee will vary depending on the insurer you choose and your specific driving record.
Generally, non-owner SR22 insurance policies will cost more than regular car insurance policies due to the higher risk associated with insuring someone who does not own a vehicle. However, it is still possible to find competitive rates for non owner SR22 insurance in Tennessee by shopping around and comparing different quotes from multiple providers.
In order to get Non Owner SR22 Insurance in Tennessee, you must first meet certain eligibility requirements set by the state. These requirements typically include having a valid driver’s license and proof of financial responsibility.
You also may need to submit other documents such as proof of prior insurance coverage or a court order requiring you to obtain SR22 Insurance. Once these requirements are met, you will be able to purchase a non owner SR22 Insurance policy in Tennessee.
If you are looking for the best rate on Non Owner SR22 Insurance in Tennessee, it’s important to shop around and compare quotes from multiple providers. Doing so will help ensure that you get the best rate possible for your specific needs.
Additionally, make sure to read through the fine print and understand the terms and conditions of each policy before signing up for one. By taking the time to research and compare different options, you can find a reliable provider that offers competitive rates for Non Owner SR22 Insurance in Tennessee.
How Do You Get Non Owner SR-22 Insurance in Tennessee
Getting non owner SR22 Insurance in Tennessee is a fairly straightforward process that can be done quickly and easily. In order to obtain an SR-22 insurance policy, you must contact an insurance carrier that offers this type of coverage. Your insurance company will then file an SR-22 certificate with the state’s Department of Motor Vehicles (DMV).
The cost of non owner SR22 Insurance in Tennessee will vary depending on your driving record and the type of coverage you select. However, typically, you can expect to pay a few hundred dollars per year for SR-22 coverage. Be sure to compare rates from several different insurance companies in order to find the most competitive rate.
When you purchase non owner SR22 Insurance in Tennessee, your insurance company will file an SR-22 certificate with the DMV. This will ensure that your policy is valid and up to date, and that the DMV is aware that you have the required level of coverage.
Once you have obtained your SR-22 insurance policy, it is important to remember to maintain it for the duration of its period of coverage. Failure to do so could lead to suspension of your license or other penalties.
If you have any questions about getting non owner SR22 Insurance in Tennessee, it is important to contact a qualified insurance agent or broker who can provide guidance and advice. They can answer any questions you may have and help you find the best coverage at the most competitive rate.
Average Cost of Non Owner SR22 Insurance in Tennessee
The average cost of non-owner SR22 insurance in Tennessee is typically higher than the average cost for standard auto insurance policies. This is due to the fact that the SR22 insurance requirement is considered a high-risk form of insurance coverage.
On average, the cost of a non-owner SR22 insurance policy in Tennessee ranges from around $250 to $550 annually. The exact cost can vary greatly depending on factors such as driving history, age, vehicle type, and other personal characteristics.
It’s important to remember that the exact cost of an SR22 Insurance TN policy can vary based on the provider. When shopping for non-owner SR22 insurance in Tennessee, it is important to compare rates from multiple companies in order to find the most affordable option.
Additionally, SR22 Insurance TN coverage may be bundled with other types of insurance, such as life or homeowners insurance, which can help to reduce the overall cost.
Cheapest Non Owner SR22 Insurance in Tennessee
If you are a Tennessee resident who doesn’t own a car but needs SR22 insurance, the cost can be quite high. It’s important to shop around and compare prices to find the cheapest non owner SR22 Insurance TN provider available.
Fortunately, there are a few companies that specialize in providing non-owner SR22 insurance at an affordable rate. Here are some of the most competitively priced non owner SR22 Insurance TN providers in Tennessee:
- First Acceptance Insurance Company: First Acceptance is an auto insurance provider that offers competitively priced SR22 Insurance TN policies. They offer both traditional and non-owner SR22 insurance policies for Tennessee residents.
- Progressive Insurance Company: Progressive offers a variety of SR22 Insurance TN options, including non-owner policies. They offer competitive rates on their non-owner policies, so it’s worth checking out.
- Liberty Mutual Insurance Company: Liberty Mutual offers non-owner SR22 Insurance TN policies to Tennessee drivers who don’t own a car. They have competitive rates and offer discounts for drivers with clean driving records.
- Nationwide Insurance Company: Nationwide also offers non-owner SR22 Insurance TN policies for Tennessee drivers. They have competitive rates and may offer discounts if you combine your policy with other types of insurance.
By shopping around and comparing quotes from different providers, you can find the cheapest non owner SR22 Insurance TN policy available in Tennessee. Be sure to take your time and read the fine print before signing any agreements, so that you can get the coverage you need at an affordable rate.
Cheapest Non Owner Companies for SR22 Insurance in Tennessee
If you are looking for the cheapest non owner companies for SR22 insurance in Tennessee, there are several options available to you. The first and most important factor to consider is the reputation of the company you choose. It’s important to choose a company that has a strong track record of offering good customer service, competitive prices and reliable coverage.
When choosing an SR22 insurance provider, you may want to look for discounts or special deals. Many companies offer discounts for multiple policies, bundling services, or having an excellent driving record. Also, don’t forget to ask your current auto insurance company if they offer SR22 insurance in Tennessee as they may be able to provide you with a discount.
| Company | Average Annual Rate |
| GEICO | $280 |
| USAA | $310 |
| State Farm | $341 |
| Progressive | $458 |
| Travelers | $460 |
| Nationwide | $753 |
| Farmers | $1,020 |
| MetLife | $1,560 |
Some of the top rated and cheapest non owner companies for SR22 Insurance in Tennessee are Progressive, GEICO, and Allstate. These companies have all been highly rated for their customer service and have competitive rates for SR22 Insurance TN. You can also find many other companies by doing a simple online search for “SR22 Insurance TN”.
when comparing quotes, make sure to read the fine print on any policy you are considering. Understand the policy limits and deductibles, so you can make an informed decision about which policy is best for you.
Factors affecting the cost of SR22 car Insurance in Tennessee
The cost of SR22 insurance in Tennessee can vary widely depending on a number of factors. Your driving record, the type of vehicle you’re insuring, and the company you choose to provide your coverage can all affect how much you pay for your SR22 policy.
Your Driving Record: One of the most influential factors in determining the cost of SR22 car insurance in Tennessee is your driving record. If you have a history of traffic violations or accidents, this will likely result in a higher rate than if you have a clean record. Insurance companies use your driving record to assess risk, so the more risky you are seen to be as a driver, the more expensive your premiums will be.
The Type of Vehicle: The type of vehicle you are insuring can also play a role in the cost of your SR22 insurance in Tennessee. For instance, if you are insuring an older model or a luxury vehicle, you can expect to pay more than someone who is insuring a newer, basic model. The make and model of your vehicle can also impact the cost of your policy.
The company you choose to provide your SR22 insurance in Tennessee can also have an effect on the cost of your policy. Different companies offer different rates and discounts based on the level of risk they assess. Researching the various companies and comparing quotes can help you find the best deal for your SR22 insurance needs.
By understanding these factors and researching the various options available, you can save money on your SR22 insurance in Tennessee. Comparing quotes and shopping around for the best rate can help you get the coverage you need at an affordable price.
When to Renew your SR22 Insurance Tennessee
The state of Tennessee requires drivers to maintain an SR22 Insurance policy for a minimum of three years from the date of the conviction or until all required fines and reinstatement fees are paid in full.
Renewing your SR22 Insurance policy on time is essential to avoid getting your license suspended or revoked. It’s important to check with your provider before the due date of your policy to make sure that everything is in order and that you will be able to renew your policy on time.
If you miss your renewal date, the state of Tennessee will suspend your driver’s license until you provide proof of valid SR22 Insurance TN. You may also be subject to fines and other penalties.
Furthermore, it is important to note that if you fail to maintain your SR22 Insurance TN for the full three-year period, you will be required to start the process over again from the beginning. Therefore, it is essential that you keep track of your policy’s expiration date and ensure that it is renewed on time.
Frequently Asked Questions
Is SR22 Insurance Required in Tennessee
SR22 Insurance is a form of financial responsibility required in Tennessee for certain drivers. The State of Tennessee requires that drivers carry SR22 Insurance if they have had their license suspended or revoked due to certain offenses such as DUIs, drug offenses, and traffic violations. This form of insurance is meant to demonstrate that the driver is financially responsible and can cover any potential damages they may cause while driving.
How much is SR22 Insurance in Tennessee per month?
The exact cost of SR22 Insurance in Tennessee can vary greatly depending on your particular situation, but on average it usually costs around $35 – $60 per month.
How long do I need an SR22 in Tennessee?
In Tennessee, SR22 insurance is usually required for three years, though in some cases it may be required for a longer period. It is important to know how long you must keep the policy active in order to avoid any penalties from the state. Additionally, your driving privileges will not be reinstated until you have shown proof of the SR22 Insurance.
How much does SR22 Insurance cost in Tennessee?
The cost of SR22 Insurance in Tennessee will vary depending on your driving record, type of vehicle, and other factors. Generally, the state average for SR22 Insurance is between $100 and $500.
How Much Does Non-Owner SR-22 Insurance Cost in Tennessee?
On average, the cost of a non-owner SR22 insurance policy in Tennessee ranges from around $250 to $550 annually.
Final Verdict
If you own a car in Tennessee, you need to get an SR22 insurance policy. This insurance policy will protect you and your car in case of financial problems. There are a few ways to get an SR22 insurance policy in Tennessee, but the average cost is usually around $400 – $700 per year. Make sure to compare rates before choosing an insurance policy.
However, there are a number of low-cost alternatives available to SR-22 insurance in Tennessee. In our opinion, State Farm is the most cost-effective provider of SR-22 auto insurance in Tennessee, with an annual average of $410 for basic coverage.
