Tennessee SR-22 Insurance After Filing Ends
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates 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
Drivers with DUI convictions, license suspensions for accumulating points, uninsured accidents, or multiple violations within 12 months typically must file SR-22 certificates with the Tennessee Department of Safety and Homeland Security for 3 years. After completing your SR-22 requirement, you're no longer legally required to carry the certificate, but your violation history remains visible to insurers for 3-10 years depending on offense severity.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
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
Shop Again Now That Your Filing Has Ended
Compare Rates 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 bodily injury and property damage you cause to others. Tennessee requires 25/50/15, but post-SR22 drivers often carry 50/100/50 or 100/300/100 to protect assets and demonstrate lower risk to insurers during the rate recovery period.
Full Coverage
Liability, comprehensive, and collision bundled. Most post-SR22 drivers with financed vehicles carry full coverage to satisfy lender requirements and protect their vehicle investment while rates are still elevated.
Comprehensive Coverage
Covers non-collision losses including theft, vandalism, hail, flood, and animal strikes. Claims do not count as at-fault incidents and do not reset your violation lookback period.
Uninsured Motorist Coverage
Pays your medical costs and lost wages if an uninsured driver causes an accident. Not required in Tennessee, but approximately 17-20% of state drivers lack insurance.
SR-22 Insurance
SR-22 is a certificate, not coverage. Your insurer files proof of liability coverage with Tennessee Department of Safety and Homeland Security. Once your 3-year requirement ends, the certificate is removed but your violation remains on record for 3-10 years.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers and often offer lower rates than standard carriers during and immediately after SR-22 periods. Rates remain elevated but are typically 20-40% lower than standard market quotes for post-SR22 profiles.