Tennessee SR-22 insurance at the lowest price — guaranteed.Low monthly payments, filed 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 — with low down payments and small monthly payments.
Talk to a licensed agent in Tennessee now — quoted and filed in minutes
Lowest rate guarantee
Lowest SR-22 rate in Tennessee
Low monthly payments
Low down payments accepted
Quote by phone 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.
Quote by phone: 844-341-0473Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Tennessee drivers choose us
Same-day filing. Low payments. Zero paperwork.
Same-Day Reinstatement
Your filing goes to the Tennessee Department of Safety and Homeland Security the same day you buy. Back on the road tonight, not next week.
Filed Directly With The DMV
We transmit your certificate to the Tennessee Department of Safety and Homeland Security for you — no paperwork for you to chase down.
Low Down Payments
Get reinstated today with a low down payment and small monthly installments that fit your budget.
About us
Tennessee SR-22 filings, handled by people who do it every day
SR22 & FR44 Insurance is a proud member of The Insurance Exchange of America and can get your SR-22 filed with the Tennessee Department of Safety and Homeland Security today. As a broker representing many carriers licensed in Tennessee, we shop the best rate for your record — conventional, high-risk, or after a DUI.
We know your time is valuable and you want your filing done fast and at the lowest rate available. We offer quotes from many companies, non-owner and owner-operator coverage for single and multiple DUI/DWI offenses, immediate filings, and monthly payments for qualifying drivers in Nashville, Memphis, Knoxville, Chattanooga and every city in Tennessee.
A non-owner policy can be purchased if there are no automobiles registered in your name. It also works if there are vehicles in the household not registered to you — the exception being a husband and wife who own a vehicle, in which case the vehicle has to be listed.
Why people choose us
- Same-day Tennessee license reinstatements
- SR-22s issued instantly the day you buy
- Simple purchase process by phone, email or fax
- Expert knowledge of Tennessee's filing requirements
- Owner and non-owner policies for single or multiple offenses
- Low down payments and low monthly payments
- 100% satisfaction guaranteed
Tennessee savings
Lowest SR-22 rate in Tennessee
We shop 30+ carriers licensed in Tennessee so you do not overpay. Same-day filing, low down payments, and monthly options for qualifying drivers.
30+
Carriers compared
Same day
Filing speed
Low down / monthly
Payment options
100% guaranteed
Satisfaction
Ready when you are
Get your Tennessee SR-22 quote in about 2 minutes
No obligation. Same-day filing with the Tennessee Department of Safety and Homeland Security once you're covered.
Latest Tennessee SR-22 news
View all →8/14/2026
Tennessee SR-22: Navigating Your Path to Driving Reinstatement
Understand Tennessee's SR-22 requirements, common triggers, and how to swiftly reinstate your driving privileges with our expert guidance.
8/13/2026
Tennessee SR-22: Your Guide to Getting Back on the Road
Navigating SR-22 insurance in Tennessee? Learn about filing, requirements, minimum coverages, and how to reinstate your driving privileges across the Volunteer State.
8/12/2026
Tennessee SR-22: Reclaiming Your Driving Privileges in the Volunteer State
Facing an SR-22 requirement in Tennessee? Understand the process, from filing with the Department of Safety and Homeland Security to navigating minimum liability and reinstatement fees. Get back on the road responsibly.
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
Texas
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.
Tennessee cities
Tennessee SR-22 & FR-44 guides
How to Add an SR-22 to a Progressive Policy: Step-by-Step
How Progressive handles SR-22 filings, what it costs, how long the filing takes to reach the DMV, and what to do if Progressive won't file in your state.
Bristol West SR-22 Insurance: What to Expect
How Bristol West handles SR-22 filings for high-risk drivers, typical costs, payment plans, and how it compares with other non-standard carriers.
Travelers SR-22 Insurance: What to Know
How Travelers handles SR-22 filings, where it will and won't write high-risk drivers, and what to do when a DUI pushes you out of a standard carrier.
Dairyland SR-22 and FR-44 Insurance: A Closer Look
How Dairyland handles SR-22 and FR-44 filings, its low-down-payment structure, where it fits high-risk drivers, and how it compares.
Root Insurance and FR-44 Filings: What Drivers Should Know
Whether Root handles FR-44 filings, how app-based underwriting treats DUI drivers, and the alternatives that file with the state the same day.
Travelers Insurance FR-44 and SR-22 Policies
How Travelers handles SR-22 and FR-44 filings, where the standard-carrier model breaks down after a DUI, and what to compare against.