Best Tennessee SR-22 Insurance in 2024 (Your Guide to the Top 10 Companies)

The best Tennessee SR-22 insurance providers are Progressive, Geico, and Allstate, offering tailored benefits for high-risk drivers with rates starting at $18.

Progressive ranks highest for its dependable SR-22 filing and broad coverage options. Geico gives great value with affordable rates and an easy claims process, while Allstate shines for its flexible policies, allowing drivers to tailor their coverage for SR-22 needs in Tennessee.

Company	Rank	UBI Savings	A.M. Best	Best For	Jump to Pros/Cons
	#1	30%	A+	Flexible Pricing	Progressive
	#2	25%	A++	Competitive Rates	Geico
	#3	40%	A+	Comprehensive Coverage	Allstate
	#4	30%	B	Nationwide Accessibility	State Farm
	#5	40%	A+	Strong Reputation	Nationwide
	#6	20%	A	Personalized Service	American Family
	#7	15%	A	Customizable Plans	Farmers
	#8	30%	A	Tailored Options	Liberty Mutual
	#9	20%	A++	Extensive Network	Travelers
	#10	30%	A++	Military Focused	USAA

These providers make handling SR-22 requirements simpler and ensure your coverage meets Tennessee’s rules.

See if you’re getting the best deal on car insurance by entering your ZIP code above.

What You Should Know

• Progressive leads with reliable SR-22 filing in Tennessee
• Tennessee SR-22 insurance meets high-risk drivers' specific needs
• SR-22 options ensure coverage aligns with Tennessee’s standards

#1 – Progressive: Top Overall Pick

Pros

• Affordable Plans: Progressive keeps Tennessee SR-22 insurance costs low, perfect for budget-conscious drivers.
• Flexible Coverage: Lots of add-ons to customize SR-22 for Tennessee’s needs.
• Good Driver Discounts: Based on our Progressive review you can earn up to 30% off with safe driving on Tennessee SR-22 policies.

Cons

• Rates Vary: Prices can shift depending on personal factors for SR-22 in Tennessee.
• Limited Discounts: Not all savings options apply to Tennessee SR-22 coverage.

#2 – Geico: Best for Competitive Rates

Pros

• Low SR-22 Rates: Geico’s Tennessee SR-22 insurance is budget-friendly, especially for high-risk drivers.
• Driver Savings: Earn up to 25% off with Geico’s telematics program for Tennessee SR-22.
• Top Financial Rating: Geico’s A++ rating means solid financial backing for SR-22 coverage.

Cons

• Fewer Custom Options: SR-22 plans in Tennessee might not be as customizable.
• Savings Potential: Tennessee SR-22 may not be eligible for all reductions. Find out tips we learned after filing a car insurance claim.

#3 – Allstate: Best for Comprehensive Coverage

Pros

• Wide SR-22 Options: Allstate’s Tennessee SR-22 plans cover a range of needs for high-risk drivers.
• Accident Forgiveness: Helps SR-22 drivers in Tennessee avoid rate increases after one accident.
• High UBI Discounts: Save up to 40% on SR-22 coverage with safe driving in Tennessee. See details in our Allstate review.

Cons

• Higher Premiums: SR-22 rates in Tennessee can be pricey, even with discounts.
• Forgiveness Limits: Accident forgiveness may not apply to every SR-22 driver in Tennessee.

#4 – State Farm: Best for Nationwide Accessibility

Pros

• Widely Available: If you drive a lot and need auto insurance, you may get State Farm's SR-22 policy anywhere in the United States.
• Reasonable Rates: According to our State Farm review, the company provides SR-22 insurance at a low price for drivers in Tennessee.
• Dependable Service Provider: Renown for trustworthiness in SR-22 support and service.

Cons

• Rate Restrictions: Fewer discount options compared to other states for SR-22.
• Lower Rating: B rating may not be good for some SR-22 Tennessee policyholders.

#5 – Nationwide: Best for Strong Reputation

Pros

• Solid Financial Standing: Nationwide’s A+ rating brings stability to Tennessee SR-22 policies.
• Wide Coverage Options: Tennessee SR-22 plans meet a range of needs. Discover insights in our Nationwide review.
• Big Driver Savings: Safe drivers in Tennessee can save up to 40% on SR-22 insurance.

Cons

• Higher SR-22 Costs: SR-22 policies in Tennessee can be a bit more expensive.
• Claims Process: SR-22 claims might involve extra paperwork.

#6 – American Family: Best for Personalized Service

Pros

• Custom Policies: American Family lets you tweak your Tennessee SR-22 coverage to fit your needs.
• Great Customer Service: Personalized support for Tennessee SR-22, especially helpful for unique situations.
• A Rating: Financially secure with an A rating for Tennessee SR-22 plans. Delve into our American Family review for more info.

Cons

• Discounts Limited: Tennessee SR-22 coverage has fewer savings options.
• Not Available Everywhere: SR-22 coverage may not be accessible in all Tennessee areas.

#7 – Farmers: Best for Customizable Plans

Pros

• Highly Customizable: Farmers’ Tennessee SR-22 policies can be tailored to fit personal needs.
• Reliable Financials: With an A rating, Farmers provides trusted SR-22 support. View our Farmers review to learn more.
• Telematics Discounts: Safe drivers in Tennessee can save up to 15% on SR-22 plans.

Cons

• Higher SR-22 Rates: SR-22 insurance in Tennessee might be a bit pricier.
• Limited Locations: Fewer spots in Tennessee for in-person SR-22 help.

#8 – Liberty Mutual: Best for Tailored Options

Pros

• Adjustable Coverage: Liberty Mutual’s Tennessee SR-22 insurance can be shaped to match different risk levels.
• Driver Discounts: Safe drivers in Tennessee can save up to 30% on SR-22 policies.
• A Rating: Financially secure for Tennessee SR-22 needs. Discover our Liberty Mutual review for additional information.

Cons

• Rates Can Vary: SR-22 costs fluctuate based on risk factors in Tennessee.
• Fewer Local Agents: In-person SR-22 help might be sparse in some Tennessee areas.

#9 – Travelers: Best for Extensive Network

Pros

• Nationwide Access: Travelers’ Tennessee SR-22 insurance is widely available across the country, great for multi-state needs.
• Top A++ Rating: Financially solid SR-22 insurance you can rely on. Discover more about offerings in our Travelers review.
• Driver Savings: Tennessee SR-22 drivers can save up to 20% with safe driving.

Cons

• Higher Costs: SR-22 rates in Tennessee can be a bit steeper than average.
• Fewer Custom Options: SR-22 policies may not be as tailored to Tennessee.

#10 – USAA: Best for Military Focused

Pros

• Military Benefits: USAA’s Tennessee SR-22 insurance is specifically for military families.
• High Rating: A++ rating provides reliable coverage for Tennessee SR-22. Access comprehensive insights into our USAA review.
• Affordable Rates: Competitive rates for Tennessee SR-22 insurance for military members.

Cons

• Military-Only Access: Only available to military-affiliated families needing Tennessee SR-22.
• Limited Discounts: Fewer SR-22 discounts compared to non-military providers.

Comparing SR-22 Coverage Rates Across Tennessee Providers

When it comes to SR-22 insurance in Tennessee, monthly rates can vary a lot depending on the provider, so it’s worth knowing what options are available for both minimum and full coverage.

Insurance Company	Minimum Coverage	Full Coverage
	$45	$143
	$32	$102
	$26	$86
	$24	$78
	$33	$184
	$37	$118
	$29	$92
	$22	$72
	$27	$88
	$18	$58

State Farm and USAA offer some of the lowest monthly rates, with minimum coverage starting as low as $22 and $18, while USAA also has a great deal on full coverage at just $58. Geico, Farmers, and Progressive also keep things affordable for Tennessee drivers needing SR-22 coverage.

Insurance Company	Available Discount
	Loyalty, Early Bird, Defensive Driving
	Homeowner, Safe Driver, Good Student
	Multi-vehicle, Defensive Driving, Good Student
	Military, Anti-theft, Multi-policy
	Multi-policy, Paperless Billing, SmartRide
	Multi-policy, Safe Driver, Pay-in-Full
	Accident-Free, Good Driver, Vehicle Safety
	Hybrid Vehicle, Continuous Insurance, New Car
	Military Service, Safe Driver, Loyalty
	Military Service, Safe Driver,Loyalty, Early Bird

On the higher end, Liberty Mutual’s comprehensive insurance coverage rates reach up to $184, making it one of the pricier choices. Comparing these rates can help you find the best fit for your budget and coverage needs.

Tennessee Drivers and SR-22 Filing Needs

If you need to file an SR-22 form in Tennessee, it means you’ve committed a driving violation and have been required by the state or court to file it. The SR-22 form confirms you meet Tennessee's minimum insurance requirements, allowing you to drive legally. Knowing the best insurance options in Tennessee is key.

You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Tennessee. While SR-22 insurance isn't a specific variant of auto insurance coverage, it does affect what you'll pay and what type of coverage you'll need. It becomes your financial responsibility to file an SR-22 and maintain the level of coverage required.

You'll need to know your minimum limits, as the SR-22 serves as proof that you've met your state’s requirements. In Tennessee, SR-22 insurance after a DUI conviction costs an average of 89% more than car insurance for standard drivers. Needing SR-22 insurance means you are a high-risk or non-standard driver.

In Tennessee, SR-22 insurance is required for a period of three to five years. Throughout this time, you must maintain your auto policy without any lapse in coverage. Your car insurance rates will be increased throughout the duration of your SR-22 filing period.

If you maintain your SR-22 insurance for your required filing period and keep a clean driving record, you won’t need to file the form any longer after your period is up. This could result in your coverage and car insurance rates decreasing, depending on your violation. DUIs may stay on your record for much longer.

With a license suspension due to your conviction, you’ll need SR-22 insurance in order to get your license reinstated after your suspension period is complete.

If your SR-22 insurance policy is canceled at any point, by you or your car insurance company, or if you have a lapse in coverage during your filing period, your Tennessee driver’s license may be suspended.

When you're putting together the list of things you need to be aware of, such as your minimum coverage requirements and what average cost you're able to spend, you may discover your current policy isn't doing you any favors. If you need to compare insurance companies, we offer an online, free tool that can help you.

Tennessee SR-22 Minimum Insurance Requirements

There's generally some amount of financial responsibility that comes with having an SR-22 on your record. Your insurance costs will increase, but you will also need to follow the minimum requirements as well. If you’re required to have SR-22 insurance in Tennessee, you’ll be required to have at least the following coverage:

• $25,000 for Bodily Injury or Death per Person
• $50,000 for Bodily Injury or Death per Accident
• $15,000 for Property Damage Coverage per Accident

Naturally, with auto insurance policies from the best car insurance companies, there are more coverage options available, but these represent the required SR-22 amount.

Understanding SR-22 Eligibility in Tennessee

In Tennessee, SR-22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR-22 insurance for the following reasons:

• Conviction for Driving Under the Influence (DUI or DWI)
• Driving Without Car Insurance
• Driving With a Revoked or Suspended License
• Numerous At-Fault Accidents
• Reckless or Dangerous Driving

Some of these may result in jail time, which most people want to avoid at all cost. If your license was suspended and you’re required to have SR-22 insurance in Tennessee because of your accident history or any other one of these violations, you must file an SR-22 after your suspension period is over in order to drive.

SR-22 Insurance Rates Overview in Tennessee

SR-22 insurance raises rates as insurers view these drivers as high-risk, with costs varying by company and state. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on. Knowing how to buy car insurance effectively can help you navigate these costs.

A DUI conviction is one of the most common reasons drivers need SR-22 insurance. On average, drivers with one DUI conviction in Tennessee pay about $160 per month for car insurance, which is 89% more than drivers with clean records. The cost varies widely by insurance company. The table below shows average rates for Tennessee drivers with a DUI from major providers.

Company	Car insurance rate
Progressive	$896
Farmers	$1,147
Farm Bureau Insurance of Tennessee	$1,192
Erie	$1,315
State Farm	$1,397
Travelers	$1,567
USAA*	$1,801
Allstate	$1,890
Nationwide	$2,073
Cincinnati Insurance Company	$2,151
Geico	$2,592
Auto-Owners	$2,755
Safeco	$4,605

*USAA is only available to active and former military members and their families.

These rates apply to a 35-year-old single driver with a 2015 Toyota Highlander LE, full coverage (100/300/50 limits), a $500 deductible, and one DUI on record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Tennessee will differ. Rate data is provided by Quadrant Information Services.

While SR-22 insurance policies are expensive, if you maintain your car insurance and SR-22 form for the duration needed all while keeping a clean driving record, your rates may go down over time.

Steps to Obtain SR-22 Insurance in Tennessee

To get SR-22 insurance in Tennessee, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier that’s licensed through the Tennessee Department of Commerce and Insurance; you can’t file it on your own. If your insurer offers SR-22 coverage, they can file it; if not, you’ll need to find one that does.

Even if your company provides SR-22 insurance, it’s worth exploring options for the best car insurance in Tennessee. Because SR-22 insurance significantly affects your rates in Tennessee, and costs vary by provider, comparing rates may help you find a better deal.

Use the table above to find Tennessee SR-22 insurance providers with at least 25 reviews. To see top-rated companies, simply sort by rating. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange, “click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

Alternative Options to SR-22 Insurance in Tennessee

If you don’t want to get SR-22 insurance in Tennessee, the alternative option is to wait out the three to five year filing period. This involves surrendering your driving privileges for the entire period to avoid the need for SR-22 insurance or the ability to file a car insurance claim.

This means that you need to weigh having SR-22 coverage against not being able to drive.

SR-22 Filing Fees in Tennessee

You may need to pay a fee to file the SR-22 in Tennessee to reinstate car insurance for drivers with a suspended license. If that’s the case, you’ll have to pay a reinstatement fee. The fee can be paid online, by mail or in person at select Reinstatement Centers. If you owe more than $200 in reinstatement fees, you may be eligible for a payment installment plan.

If you’re convicted of a DUI, your license will be suspended for one year if it’s your first offense, and much longer if you’re a repeat offender. According to the Tennessee Department of Safety and Homeland Security (DOS), a single DUI conviction can cost you $5,000 or more for fees and fines.

Factors Influencing Car Insurance Rates

Comparing car insurance quotes can be frustrating, especially when trying to understand rate calculations and ways to get cheap car insurance. While there's no set formula, many factors affect your car insurance rate. Among the factors that car insurers consider are:

• Your Driving Record
• How Much You Drive
• Location
• Age
• Gender

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies spread risk across all policyholders to ensure funds are available for claims, unlike a scenario where only drivers with accidents face rate hikes. Drivers with expensive claims may struggle with rate hikes based on payouts alone, so insurers slightly increase rates for all, with higher raises for at-fault drivers.

Determining the Right Amount of Car Insurance

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For instance, a new leased car typically requires collision, comprehensive, and bodily injury liability coverage, while an older, low-value car may not. Additionally, 12 no-fault states mandate personal injury protection (PIP) for drivers.

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

Tips to Maximize Car Insurance Savings

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are five ways you may be able to lower your car insurance rates:

• Bundle Your Car Insurance With Other Policies
• Consider Raising Your Deductibles
• Pay Your Car Insurance Policy in Full
• Try Usage-Based Car Insurance
• Monitor Price Changes to Your Policy

Finding quality coverage at an affordable price is possible with a few smart strategies. By bundling policies, adjusting deductibles, and exploring options like usage-based car insurance, you can lower your car insurance premium without compromising on protection.

Clearsurance’s Approach to Company Ratings

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

• Cost
• Customer Service
• Overall Experience
• Claim Service
• Purchasing Experience

Clearsurance’s ratings give you a straightforward look at how insurance companies stack up based on real customer feedback in areas like cost, service, and claims. It’s an easy way to get honest insights and find the best fit for your needs. (Read More: Clearsurance’s Customers’ Choice Top Ranked Insurance Companies).

Accessing Additional Insurance Information

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

We also have a free tool that will let you compare quotes from different companies. The insurance industry is vast, so having tools and reference guides to help you will make the process a little smoother.