Tennessee SR-22 & High-Risk Auto Insurance
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
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Tennessee at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Tennessee
Drivers with DUI convictions, license suspensions for violations, at-fault accidents while uninsured, or habitual offender status typically must file SR-22 proof of financial responsibility with the Tennessee Department of Safety and Homeland Security. SR-22 requirements typically last 3 years from the date of filing, and any lapse in coverage restarts the entire period. High-risk drivers often need non-standard carriers willing to write SR-22 policies, as many standard insurers decline or non-renew policies after serious violations.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Tennessee
$223–$269/mo
Typical monthly rate in Tennessee, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SR-22 duration remaining: some carriers reduce rates after 1–2 years of clean driving during the SR-22 period
- Non-standard carrier availability: Tennessee has multiple non-standard carriers, but rural areas may have fewer options and higher rates
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you maintain Tennessee's minimum liability coverage. Required for 3 years after DUI, license suspension, or uninsured accidents.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers, DUI convictions, and SR-22 filings. Often the only coverage option after standard insurers decline or non-renew.
Liability Insurance
Covers injuries and property damage you cause to others. Tennessee requires 25/50/25 minimums, but these limits are inadequate for most serious accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Tennessee does not require it but insurers must offer it.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders for financed vehicles and protects your own vehicle in accidents or theft.
Collision Coverage
Pays to repair your vehicle after an accident, regardless of fault. Not required by Tennessee but mandatory for financed vehicles.