Can you get an SR-22 without insurance in Tennessee? This question is about Cheap Car Insurance in Tennessee

Can you get an SR-22 without insurance in Tennessee?

This question is about Cheap Car Insurance in Tennessee

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@WalletHub • 09/19/23 This answer was first published on 09/19/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you cannot get an SR-22 without insurance in Tennessee. An SR-22 is documentation proving that a driver has at least the minimum insurance coverage required by Tennessee law, after they've been convicted of a serious traffic violation. A convicted driver needs to buy an insurance policy before they can get SR-22 documentation. Then their insurance company can complete the necessary paperwork with the Driver Services Center to file an SR-22 certificate and confirm that the driver is actually following the law.

Not only do drivers in Tennessee need insurance to file an SR-22 certificate with the state, but they must also keep their insurance policy active for 3 to 5 years years in order to fulfill the state's SR-22 requirement. If coverage lapses, the clock resets.

Without an active insurance policy, a driver who needs SR-22 insurance will face additional fines and penalties, including the possibility of license suspension or jail time. Tennessee drivers may be able to get SR-22 coverage from Auto Owners, Partners Mutual, and USAA for reasonable rates.

How much does non-owner SR-22 insurance cost?

Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.

The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...

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What does SR-22 insurance cover?

SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.

SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as...

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Can I get car insurance with a suspended license?

Yes, you can get car insurance with a suspended license if you have a hardship license to drive to work, school, and medical appointments. Or, some car insurance companies may be willing to insure your car against non-collision damage —theft, fire, flood, vandalism, falling objects, etc.—if you turn in your plates and store the vehicle for as long as your driver's license is suspended.

You may have to shop around for coverage. If your...

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