If you need an SR-22 to acquire auto insurance in Tennessee, you're not alone. This relatively common requirement is sometimes requested after a driving violation like a DUI conviction, a ticket for driving without insurance, an at-fault crash with substantial property damage, a citation for driving with a suspended license, or collecting too many points on your license.
Getting cheap insurance with a SR-22 in Tennessee might take some effort, but it could pay off in the end. We examined how much a SR-22 is estimated to cost in Tennessee and how to go about getting one — let's dive into the details.
Average SR-22 costs in Tennessee
Car insurance with an SR-22 in Tennessee is often expensive. This isn't a direct result of the SR-22 — filing fees usually total $15 to $35 — but thanks to the insurance rate increases caused by the violation that prompted the SR-22 requirement.
Car insurance companies bill risky drivers pricier premiums to account for the increased probability of having to pay out a claim after an accident. The price increase you could face may depend on the frequency and severity of your violations — below are average car insurance rates after an SR-22 in Tennessee.
TENNESSEE INSURANCE RATES BY CITATION
|High-risk rating factor||Average annual rate||Increase vs. clean record|
|At-fault collision (>$2,000)||$2,215||$645|
|Speeding (21-25 mph > limit)||$2,043||$473|
If you are looking for reasonably priced car insurance with a SR-22 certificate, The Zebra is here to help. Enter your ZIP below to receive personalized car policy quotes from popular companies.
How to get an SR-22 in Tennessee
Currently insured?If you currently have auto insurance, obtaining an SR-22 certificate is relatively simple. Contact your auto insurance company and request that the company file a SR-22 request for you. If your insurance company isn’t willing to request a certificate, you should shop around for a new insurance company.
For uninsured driversWhen filing for car insurance, you'll be billed extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some companies, while others may happily sell you a policy.
For non-vehicle ownersNot owning a vehicle makes it tougher to get an SR-22, as you'll need proof of insurance to get the certificate. If you don't own a car, you should get a non-owners auto insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it won’t provide protection for material damages sustained by your automobile.
Methodology and sources
The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.