SR-22 in Tullahoma, TN
An SR-22 is not an insurance policy. It is a certificate your insurance company files with the state to confirm that you carry the required minimum auto liability coverage. In Tennessee, drivers must meet specific liability limits to drive legally. 
The state typically requires an SR-22 after certain violations. If your coverage lapses while you have an SR-22 requirement, your insurer must notify the state. This notice can lead to a license suspension.
Who Needs an SR-22 in Tennessee?
Tennessee drivers may need an SR-22 if a court orders it or if the state suspends their license for high-risk behavior. Common situations include:
- DUI or DWI convictions
- Repeated speeding tickets
- Reckless driving
- Driving without valid insurance
- Multiple traffic offenses
- Severe at-fault accident
In most cases, the state requires drivers to maintain the SR-22 for a few years. During that time, you must keep continuous auto insurance coverage. If you cancel your policy or miss a payment, the state may suspend your license again.
Is There a Filing Fee?
Most insurers charge a small one-time fee to submit the form to the state. However, your overall auto insurance premium may increase because insurance companies often view drivers who need an SR-22 as higher risk due to past violations.
Your total cost usually depends on factors such as your driving history, age, vehicle type and coverage limits. Shopping around and comparing quotes may help you secure a lower rate.
Contact Us
If you need an SR-22 in Tennessee, contact Tennessee Insurance today. Our team can explain your options, file your SR-22 and help you compare coverage options. Contact us today to request a quote.