If you need an SR-22 for auto insurance in Tennessee, you're not alone. This relatively common insurance requirement is triggered by a driving violation like a DUI, a citation for driving without proof of insurance, a collision causing substantial property damage, a ticket for driving with a suspended license, or accruing too many points on your license.
Finding cheap auto insurance with an SR-22 in Tennessee might not be easy, but it's worth the trouble. We explored how much a Tennessee SR-22 usually costs and how to get one — let's dive into the details.
How much should you expect to pay for an SR-22 in Tennessee?
SR-22 insurance in Tennessee tends to be pricey. This isn't a direct result of the SR-22 itself — filing fees might be just $15-$35 — but thanks to the insurance rate increases triggered by the violation that made the SR-22 necessary in the first place.
Insurance companies charge risky drivers more because of the more substantial risk of claims payouts. The rate increase you will receive depends on the severity and number of violations — below are average car insurance premiums after an SR-22 in Tennessee.
TENNESSEE AUTO INSURANCE PREMIUMS AFTER COMMON CITATIONS
|Rating factor||Average annual rate||Increase vs. clean record|
|At-fault collision (>$2,000)||$1,635.00||$320.17|
|Speeding (21-25 mph > limit)||$1,565.02||$250.19|
|Leaving the scene of an accident||$1,761.40||$446.57|
If you are looking for cheap auto insurance after obtaining an SR-22 certificate, The Zebra is here to help. Provide your ZIP to find personalized car insurance quotes from top companies.
How to get an SR-22 in Tennessee
For currently insured drivers:If you currently have auto insurance, getting an SR-22 certificate is simple. Just call your car insurance company and ask it to file an SR-22 request on your behalf. If your current car insurance company declines to file for an SR-22, you’ll need to shop for a new policy with a new insurance company.
Uninsured drivers:When filing for car insurance, you'll need to pay a fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification may disqualify you from being insured by some carriers, while others would be happy to cover you.
For drivers who don’t own a vehicle:Not owning a vehicle makes it tougher to obtain an SR-22, as you'll need proof of insurance to obtain the document. If you don't own a vehicle, purchase a non-owners auto insurance policy before filing an SR-22 request. Non-owners car insurance is often cheaper than traditional coverage since it won’t provide protection for material damage to your vehicle.
Between September and December 2017, The Zebra conducted in-depth pricing analysis using our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra surveyed nearly 53 million premiums to identify trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.