Memphis, 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 drivers across Memphis and the surrounding metro — with low down payments and small monthly payments.
Talk to a licensed agent now — quoted and filed in minutes
Lowest rate guarantee
Lowest SR-22 rate in Memphis, 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: 844-341-0463Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Memphis 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 in Memphis 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
Memphis 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 Memphis and the surrounding metro.
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 Memphis 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
Memphis savings
Lowest SR-22 rate in Memphis
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 Memphis 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 Memphis SR-22 today
Tell us about your situation and we will come back with Memphis options — usually the same business day.
SR-22 filings in Shelby County
Memphis DUI convictions run through Shelby County courts and result in a Tennessee Department of Safety suspension plus an SR-22 at 25/50/25 liability limits, held for three years from reinstatement.
Memphis pricing
Memphis is the most expensive auto market in Tennessee, with high uninsured-driver and theft rates pushing premiums well above Nashville. Comparing filing-friendly carriers matters more here than almost anywhere else in the state.
Reinstating in Tennessee
Bind the policy with the SR-22 endorsement, satisfy any interlock or court requirement, pay the reinstatement fee, and confirm the filing posted before driving.
Non-owner SR-22
A non-owner SR-22 keeps your filing continuous if you do not own a car, at a much lower cost than an owner policy.
Memphis SR-22 FAQs
How much does SR-22 insurance cost in Memphis?
Memphis SR-22 policies commonly run $85–$200 per month at 25/50/25 limits, depending on driving history, ZIP code and vehicle.
How long does Tennessee require an SR-22?
Three years from the reinstatement date, and the coverage must stay continuous or the state suspends again.
Can you file the SR-22 the same day in Memphis?
In most cases yes. Once the policy binds we transmit the filing electronically and confirm it with you.
Other 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.