Tennessee SR-22 Filing Basics: What the State Actually Requires

Tennessee requires an SR-22 certificate of financial responsibility for drivers reinstating after a DUI, a no-insurance conviction, or an unsatisfied judgment. The filing is made electronically by your insurance carrier with the Tennessee Department of Safety and Homeland Security.

How long: most Tennessee drivers must keep the SR-22 on file for three continuous years from the reinstatement date.

Minimum liability: 25/50/25 - $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage.

Watch out: any lapse in the policy triggers an SR-26 cancellation notice to the state and your license is suspended again, often with the three-year clock restarted. Pay early, never let a draft bounce, and call us before you change carriers.