Tennessee SR-22 Insurance After Your Requirement Ends
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Tennessee at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$65
State license reinstatement fee, about 5 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Tennessee
DUI convictions, at-fault uninsured accidents, license suspensions for accumulating excessive points, and certain reckless driving violations trigger a 3-year SR-22 filing requirement administered by the Tennessee Department of Safety and Homeland Security. Once your SR-22 period ends, your insurer typically notifies the state automatically, but you must shop for new coverage to see rate reductions—your current carrier will not automatically lower premiums.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive and Collision
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Tennessee
$198–$294/mo
Typical monthly rate in Tennessee, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Type of original violation—DUI convictions carry higher surcharges (3–7 years) than at-fault accidents (3–5 years)
- Whether you maintained continuous coverage during and after the SR-22 period with zero lapses
- Your current insurance score and credit-based insurance score, which improve as time passes without new violations
- Eligibility for standard carriers—many major insurers will write post-SR22 drivers after 12–24 months of clean driving
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Restricted Driver License (Class D, M) — Order for Restricted License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Tennessee's 25/50/25 minimums are low—a single serious accident can exceed $25,000 per person, leaving you personally liable for the difference.
Full Coverage Insurance
Combines liability, comprehensive, and collision coverage. Required by lenders and provides complete protection for your vehicle and others, but represents the highest premium tier.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Not required in Tennessee but valuable given the state's uninsured driver rate.
Comprehensive Coverage
Covers damage from theft, vandalism, weather, fire, and animal strikes—anything except collision. Typically required by lienholders and priced separately from collision.
SR-22 Insurance
Certificate proving you carry Tennessee's minimum liability coverage, filed by your insurer with the Department of Safety. The filing itself costs $15–$35, but the high-risk classification increases your premium significantly.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain or reinstate their Tennessee license. Covers you when driving borrowed or rental vehicles.