Tennessee SR22 Insurance Quotes & Information
On this page we have tried to provide you with all of the information you need to know regarding Tennessee SR22 insurance and the requirements you will have to meet that are placed on you by the Department of Safety. You can also get free Tennessee SR22 insurance quotes from top providers in your area.
Before the Department of Safety will issue you a restricted license or reinstate your license following your suspension or revocation period you will be required to file an SR-22 form with them as part of the process. An SR22 form is basically a form that your insurance provider will file with the Department of Safety that says that you have taken out an auto insurance policy that meets the state of Tennessee's minimum auto insurance liability coverage limits and that the insurance provider promises that it will contact the DOS if there is even a one day lapse in your SR22 insurance policy.
You will be required to keep your SR22 insurance policy enforce for a period of 3-years following the reinstatement of your driver's license. At anytime during this period if there is a lapse in your coverage, the Tennessee DOS is going to suspend your license and you will have to bring your premium payments up to date with your insurance provider and go through the reinstatement process all over again.
So it is in your best interest to get multiple Tennessee SR22 insurance quotes from providers in your area who offer SR22 policies and find out which company has the lowest rates before choosing a policy and then once you have your policy enforce make sure that you pay your premiums on time so that your license does not get suspended.
The problem is that you really won't know if you are getting the lowest rates possible by calling around to the various insurance companies in your area because when you take this approach the insurance companies really have no incentive to quote you the lowest possible rate.
The great thing about our network is that all of the top insurance companies are part of the network and when a quote comes through the network the insurance companies know that if they want a shot at your business they absolutely must provide you with the lowest rate possible or lose your business to a competitor. By entering your zip code into the box below you will be taken to our online quote form.
You can fill out the form completely in just a couple of minutes. Once you complete the form and submit it you will receive multiple Tennessee SR22 insurance quotes from the top insurance companies in your area and then you can compare apples to apples and find the absolute lowest rate possible and the policy that fits your needs.
Tennessee Non-Owner SR22 Insurance
If you do not own a vehicle, but need to file an SR22 form with the Department of Safety in order for you to get a restricted license or get your license reinstated at the end of your suspension or revocation period an option for you might be to get a non-owner SR22 insurance policy.
If the court is requiring an ignition interlock device to be installed on your vehicle before you are issued a restricted license or before your license is reinstated, a non-owner policy will not work in that situation because you must own the vehicle that the ignition interlock device will go on.
Something to be aware of with a non-owner policy is that there is no Comprehensive or Collision coverage provided. A non-owner policy only provides liability coverage, which is bodily injury and property damage to another vehicle, property or person. It does not cover the vehicle you are driving, meaning that if you are involved in an accident the other vehicle's occupants will be covered up to your policies bodily injury coverage limits and any damage to the other vehicle will be covered up to your policies property damage limits, but any damage to the vehicle you are driving or injuries you sustain will not be covered.
Additional Tennessee SR22 Resources
Financial responsibility laws
Driver Services Main Office information
Driver license reinstatement office locations
SR22 general overview
SR22 filing requirements for non-residents
Restricted license information
Application for restricted license
Tennessee driver improvement & point system