Tennessee SR-22 & High-Risk Auto Insurance
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationTennessee 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, major violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 certificates with the Tennessee Department of Safety and Homeland Security to prove continuous coverage. The SR-22 requirement usually runs for 3 years from the reinstatement date, and any lapse during this period resets the clock and can trigger immediate license suspension.
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
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
A state-mandated certificate proving you carry at least minimum liability coverage. Your insurer files it electronically with the Tennessee Department of Safety and must maintain it for 3 years without lapse.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, violations, lapses, or SR-22 requirements. Non-standard carriers offer flexible payment plans and immediate SR-22 filing but charge higher premiums.
Liability Insurance
Covers injuries and property damage you cause to others. Tennessee's 25/50/25 minimums are low; a single accident can exceed limits and expose your savings or wages to lawsuits.
Full Coverage
Liability plus comprehensive and collision to repair or replace your vehicle after theft, weather, vandalism, or accidents. Required by lenders if you finance or lease.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance. Tennessee requires insurers to offer it, but you can reject it in writing to lower premiums.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Optional unless required by a lender.