Non owner SR22 insurance in Tennessee
For non owner SR22 insurance Tennessee's request is that your insurer submit the form and maintain it on file throughout your suspension or revocation. The Tennessee pages do not name non-owner policies, so ask every insurer whether it will file one for a driver who has no car.
- Tennessee's request is that the SR-22 stay on file for as long as your suspension lasts.
- The Department of Safety and Homeland Security receives the form electronically from your insurer.
- $25,000 / $50,000 / $25,000The lowest liability limits apply to each person's injury, each accident's injuries, and property
- The state says your insurer sets the SR-22 policy price.
Call 833-958-5598A licensed agent sorts out the policy you need on the phone.
Tennessee SR-22: quick facts
| Item | What Tennessee says |
|---|---|
| Who files | Your insurance company, electronically |
| Insurer must be | Licensed through the Department of Commerce and Insurance |
| How long | The length of the suspension or revocation |
| Example | One-year revocation, one-year SR-22 |
| When it can start | With a restricted license or at reinstatement |
| Cost | The insurance company determines it |
| Minimum liability | $25,000 / $50,000 / $25,000 |
Tennessee SR-22: quick facts, from the state's own pages.
What causes a driver to need an SR-22 in Tennessee?
The Driver Services help article from the state lists offenses that may lead to an SR-22. The list covers refusing a chemical test, points or convictions built up, an unsatisfied judgment, an accident claim, and a DUI. The list also includes two reckless driving violations in 12 months, racing, vehicular assault or homicide, and hit and run.
When you are unsure whether it still applies to you, open the state's e-services reinstatement requirements page. Once no SR-22 item appears there, you no longer need one.
How long the filing lasts in Tennessee
No fixed number of years applies. The Department of Safety and Homeland Security reinstatement page says proof must remain for the full suspension or revocation period. The example treats a one-year revocation as requiring one year of SR-22.
The policy may stay active during a restricted-license period, or start once your license is back.
Filing an SR-22 and what it costs
The filing goes from your insurance company to the department electronically. The insurer needs to be licensed by the Tennessee Department of Commerce and Insurance. According to the state page, the insurance company sets the cost, and no state filing fee is listed.
The lowest liability limits come from Tennessee's Department of Revenue page. Each accident includes a $25,000 limit for each injury or death. The total limit for all injuries or deaths in that accident is $50,000. Property damage has a $25,000 limit.
SR-22 with no car
Instead of covering a single vehicle, a non-owner policy covers you while you drive. The state pages used for this guide say only that a Tennessee-licensed insurer must make the filing. Whether a non-owner policy qualifies is not addressed, so ask the insurer for a clear yes or no before you pay.
After a revocation, the restricted license steps explain that neither a standard policy nor other paperwork can replace the SR-22. The form itself must be on file.
If the policy does not stay active
If you cancel the policy before the requirement is done, your driving privileges can be suspended. Tennessee classes this offense as failing to maintain future proof of financial responsibility. Before driving again, you must file the SR-22 again, keep it active, pay any reinstatement fees that apply, and reapply.
Some drivers who live out of state may get the requirement waived. The home state's driver service office must complete and sign the waiver.
Questions people ask about Tennessee SR-22
Can I file an SR-22 in Tennessee without owning a car?
Nothing on the state's pages rules out this option, but nothing promises it either. An insurer licensed in Tennessee must make the filing, they say. Ask the insurer if it provides SR-22 filings for non-owner policies. The reinstatement page on the state site explains who may file.
How many years must an SR-22 stay on file in Tennessee?
For the same period as the suspension or revocation that led to it. For the state, a one-year revocation equals a one-year SR-22. As the Driver Services article explains, check the e-services requirements page to confirm whether yours is still on the list.
What is the cost of an SR-22 in Tennessee?
The insurance company sets the cost, according to the state, and the pages read here show no state filing fee. Separate reinstatement fees apply to your license, so request a full quote from the agent.
Talk it over with a licensed agent
A licensed agent takes your call, goes through your situation for free, and gets the right policy quoted right away.
Call 833-958-5598