In Tennessee, a judge or the Tennessee Department of Safety (DOS) may request that you provide proof of insurance—an SR-22—after a serious violation such as driving without insurance or driving under the influence (DUI). Fulfilling a request for SR-22 documentation involves filing a form with your state that proves you have the minimum amount of required liability insurance.

Commonly referred to as “SR-22 Insurance”, the SR-22 form isn’t an insurance policy. Contact the agents at Tennessee Auto Insurance Agency in Murfreesboro, Tennessee, to get a quote for auto insurance if you need an SR-22 certificate.

Do I Need a Tennessee SR-22?

Most drivers living in Tennessee don’t need to file an SR-22 form. If you receive a notice that you must file an SR-22 with the Tennessee DOS, you should contact your agent immediately.

High-risk drivers, including those convicted of driving without insurance and drivers who are at fault in a severe accident or who have been charged with DUI, may be required to file an SR-22 with the state to prove that their insurance meets the state’s minimum requirements. You may have to file an SR-22 before you can get your license reinstated if it’s been suspended after a conviction.

In Tennessee, the most common reasons for receiving a letter of demand for SR-22 are receiving numerous tickets for minor moving violations like speeding tickets in a short time, driving without insurance, or DUI. 

Tennessee Non-Owner SR-22

If you don’t own a car or have one registered in your name but must file SR-22, you may need help getting a non-owner SR-22. Drivers who plan to borrow someone else’s car, rent a vehicle, or want to keep their license even if they don’t intend to drive, should talk with their agent about how to navigate Tennessee’s SR-22 requirements.

A policy for non-owners who need an SR-22 may be less expensive than a standard liability policy requiring SR-22.

Tennessee SR-22 Liability Insurance Requirements

Your SR-22 form proves that your auto insurance policy meets the minimum required limits.

How To Get SR-22 Insurance in Tennessee

Your insurance company issues your SR-22 form on your behalf and sends it to the Tennessee DOS. To get started, notify your agent that you need an SR-22 form.

It’s crucial to maintain SR-22 coverage for the entire five-year period that Tennessee requires you to file the form. If you allow your liability policy to lapse, your insurer is required to notify Tennessee DOS, and your license may be suspended. If this happens, you must start your SR-22 filing requirement over.

The only alternative to filing SR-22 is to wait out the state’s SR-22 requirement and refrain from driving for five years.

How Much Does SR-22 Cost?

If your license has been suspended, your insurance policy may have automatically canceled your policy. High-risk drivers may find that not every insurer is willing to issue a new policy. An independent insurance agent can help you find the liability auto insurance policy you need to satisfy Tennessee’s minimum liability requirements, even if you are considered a high-risk driver.

You may be worried that being classified as a high-risk driver will cause your auto insurance rates to increase. Depending on why you must file an SR-22, your insurance rates may rise substantially.

While most major insurers in Tennessee provide policies requiring SR-22 documentation, it’s wise to shop around for the best possible rates among several insurers.

How to Get An SR-22 Form Filed in Tennessee

If you need help fulfilling an SR-22 requirement, contact the auto insurance experts at Tennessee Auto Insurance Agency.