Tennessee non-owner SR-22 insurance
No car in your name? A non-owner policy still satisfies the Tennessee Department of Safety and Homeland Security filing and is usually the cheapest way to get your Tennessee license back.
Call now for your Tennessee SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
1-800-353-0545Mon–Fri 9am–7pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadTennessee SR-22 requirements
The Tennessee Department of Safety requires an SR-22 after a DUI conviction, driving on a revoked or suspended license, an at-fault uninsured accident, an unsatisfied judgment, or repeated failures under the state's insurance verification program.
Minimum liability limits
Tennessee raised its minimums to 25/50/25 effective January 2023. Older policies written at the previous 25/50/15 level no longer satisfy an SR-22 filing.
DUI penalties
A first Tennessee DUI carries a minimum 48 hours in jail, a one-year revocation, DUI school, a victim impact panel, and an ignition interlock for restricted driving privileges. The SR-22 covers the financial responsibility piece only.
Nashville, Memphis, and Knoxville
Rates vary sharply by metro. Memphis is consistently the most expensive market in the state for SR-22 drivers, while smaller East Tennessee markets run well below the average.
Tennessee non-owner SR-22 FAQs
How long is an SR-22 required in Tennessee?
Three years for most drivers, measured from reinstatement. Repeat DUI convictions and certain revocations can extend it to five years.
Does Tennessee require an ignition interlock after a DUI?
Yes. Tennessee requires an interlock for a first DUI in most circumstances, including any case with a BAC of .08 or higher where the driver seeks a restricted license.
What is Tennessee's insurance verification program?
Tennessee electronically verifies liability coverage on registered vehicles. A failed verification generates escalating notices, fines, and eventually a suspension requiring an SR-22.
Can I keep my Tennessee SR-22 if I move out of state?
The obligation stays with your Tennessee record. You will generally need a carrier licensed in your new state that will still file a Tennessee SR-22 until the term ends.