Tennessee SR-22 Insurance & High-Risk Auto Coverage
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordTennessee 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
The Tennessee Department of Safety and Homeland Security requires SR-22 filing for drivers convicted of DUI, multiple violations within 12 months, driving without insurance, or after license suspension for points accumulation. High-risk drivers often need coverage above state minimums to satisfy SR-22 continuous coverage requirements and protect against out-of-pocket costs if found at fault again.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
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
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Tennessee's 25/50/25 minimum satisfies SR-22 filing requirements, but a single serious accident can exceed these limits and expose you to personal liability.
Full Coverage
Combines liability, collision, and comprehensive to cover damage to your vehicle and others. Required by lenders if you finance or lease during the SR-22 period.
SR-22 Insurance
A certificate filed by your insurer proving you carry Tennessee's minimum liability. The filing itself costs $15–$50, but the underlying policy premium increases significantly based on your violation.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations or SR-22 requirements. Non-standard carriers in Tennessee approve most applicants but charge 150–300% higher premiums than standard insurers.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by a driver with no insurance. Tennessee does not require this coverage, but approximately 20% of drivers in the state are uninsured.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or single-vehicle crash. Required by lenders and recommended for high-risk drivers with vehicles valued above $5,000.