Tennessee SR-22 insurance, filed the same day.
We file directly with the Tennessee Department of Safety and Homeland Security and shop many carriers licensed in Tennessee to find the lowest rate for your record.
Talk to a licensed agent in Tennessee now — quoted and filed in minutes
Minimum limits
25/50/25
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 insteadSame-day filing
Your SR-22 goes to the state the day you buy.
Monthly payments
Spread the cost for qualifying drivers.
Owner & non-owner
Whether or not a car is in your name.
Tennessee law
SR-22 requirements in Tennessee
- Filing period
- 3 years
- Minimum liability
- 25/50/25
- Files with
- Tennessee Department of Safety and Homeland Security
- Reinstatement fee
- $65 base reinstatement fee, plus offense-specific fees
Filing period
3 continuous years from the reinstatement date. Any cancellation triggers an SR-26 to the state and immediate re-suspension.
Minimum liability
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage (25/50/25).
Restricted / hardship license
Tennessee offers a restricted license for many DUI offenders, but the SR-22 filing must be active first.
Non-owner option
Available when no vehicle is registered to you. Spouses who jointly own a vehicle must list it.
What triggers an SR-22 in Tennessee
- DUI or DWI conviction
- Driving without insurance (financial responsibility)
- Unsatisfied judgment
- Multiple serious moving violations
Interlock & verification
Ignition interlock is required for most first-offense DUI convictions in Tennessee.
Tennessee's James Lee Atwood Jr. Law enforces electronic insurance verification with fines for lapses.
Serving drivers in Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro and every city in Tennessee.
Latest Tennessee SR-22 news
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Tennessee SR-22: Essential Facts for Getting Back on the Road
Navigating SR-22 requirements in Tennessee can be complex. This guide covers the crucial facts, from filing periods to reinstatement fees.
8/1/2026
Tennessee SR-22: Understanding Your Driving Reinstatement Journey
Navigating SR-22 insurance in Tennessee can feel complex. This guide covers key facts, filing requirements, and common triggers to help you get back on the road.
8/1/2026
Your Guide to Tennessee SR-22: Back on the Road Safely
Understanding Tennessee SR-22 insurance is key to regaining your driving privileges. Learn about filing, requirements, and common triggers.
Get your Tennessee SR-22 today
Tell us about your situation and we will come back with Tennessee options — usually the same business day.
Other states we file in
Arizona
Colorado
Florida
Georgia
Louisiana
Missouri
Ohio
VirginiaTennessee 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 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.