Cheapest SR-22 Insurance in Tennessee for 2024 (10 Most Affordable Companies)
Progressive, USAA, and State Farm have the cheapest SR-22 insurance in Tennessee. Progressive SR-22 insurance rates start at $54/month, ideal for high-risk drivers on a budget. USAA brings extra savings for military families, and State Farm keeps it affordable with reliable SR-22 auto insurance across the state.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 27, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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A.M. Best Rating
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17,760 reviewsProgressive, USAA, and State Farm have the cheapest SR-22 insurance in Tennessee. They offer rates starting low at $54 per month.
Progressive is good because it has affordable plans specially made for high-risk drivers. USAA gives extra savings to military families while State Farm provides strong coverage with a competitive price.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Tennessee
| Company | Rank | Monthly Rate | A.M.Best | Best For | Jump to Pros/Cons | |
|---|---|---|---|---|---|---|
 | #1 | $54 | A+ | Qualifying Coverage | Progressive | |
 | #2 | $58 | A++ | Military Families | USAA | |
 | #3 | $65 | B | National Presence | State Farm | |
 | #4 | $66 | A++ | Digital Tools | Geico | |
 | #5 | $68 | A+ | Custom Coverage | Nationwide | |
 | #6 | $72 | A | Minimum Coverage | SafeAuto | |
 | #7 | $75 | A | Accident Forgiveness | Liberty Mutual | |
 | #8 | $78 | A++ | IntelliDrive Program | Travelers | |
 | #9 | $83 | A+ | Foreign Diplomats | Dairyland | |
 | #10 | $86 | A | High-Risk Coverage | The General |
Each provider helps drivers manage SR-22 auto insurance requirements affordably without losing critical coverage. This article outlines how these companies cater to Tennessee drivers looking for savings and reliable insurance options.
Just input your ZIP code and use our comparison tool to get the cheapest rates on auto insurance. It doesn’t matter how much coverage you need.
- Progressive is the top pick for affordable SR-22 insurance in Tennessee
- Tennessee drivers get SR-22 options that meet state needs at low costs
- USAA offers special SR-22 savings for Tennessee military families
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#1 – Progressive: Top Overall Pick
Pros
- Low Cost: Progressive gives SR-22 insurance in Tennessee starting at only $54 monthly, making it the most affordable option.
- Discounts Galore: Tennessee drivers can snag discounts that make SR-22 coverage even more affordable.
- Good Reputation: Progressive’s SR-22 policy claim handling in Tennessee is outstanding. Unlock details in our Progressive auto insurance company review.
Cons
- Limited Discounts for SR-22: Not all discounts apply to SR-22 insurance in Tennessee.
- Mostly Digital Support: Tennessee drivers may find fewer in-person support options with Progressive.
#2 – USAA: Cheapest for Military Families
Pros
- Military Savings: USAA offers special SR-22 insurance discounts in Tennessee for military members and their families.
- Excellent Service: Known for great service, especially for Tennessee SR-22 policies serving military households.
- Financially Secure: USAA’s A++ rating means solid financial support for Tennessee SR-22 claims. Get more insurance ratings in our USAA review.
Cons
- Restricted to Military: Only military members and families qualify for USAA SR-22 insurance in Tennessee.
- Few Physical Locations: Some Tennessee SR-22 policyholders report needing more in-person support options.
#3 – State Farm: Best National Presence
Pros
- Easy Access: State Farm SR-22 insurance is widely available across Tennessee through local agents and if you move out of state.
- Custom Coverage: State Farm SR-22 auto insurance in Tennessee offers flexible options. State Farm review.
- Reasonable Prices: SR-22 insurance in Tennessee with State Farm starts at $65. This offers a nice balance between price and service.
Cons
- Pricier Than Competitors: State Farm SR-22 car insurance in Tennessee costs more than Progressive or USAA.
- Limited Discounts: Discounts for Tennessee SR-22 insurance are less extensive here.
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#4 – Geico: Best Digital Tools
Pros
- Handy Digital Tools: Geico’s online tools make managing SR-22 insurance in Tennessee quick and easy.
- Financial Strength: Geico’s A++ rating assures reliability for SR-22 insurance claims in Tennessee.
- Great Rates: Geico SR-22 insurance rates in Tennessee start at $66/month. Compare quotes in our Geico auto insurance review.
Cons
- Mainly Online Support: Tennessee SR-22 customers may need more in-person options with Geico.
- Higher Cost for Risky Drivers: Geico SR-22 auto insurance in Tennessee could be pricier for those with multiple violations.
#5 – Nationwide: Cheapest Custom Coverage
Pros
- Flexible Plans: Nationwide lets Tennessee drivers customize SR-22 insurance to fit unique needs.
- Financial Stability: A+ rated by A.M. Best, providing secure SR-22 insurance options in Tennessee.
- Safe-Driving Discounts: Nationwide SR-22 insurance in Tennessee has savings for safe driving records. See more details on our Nationwide auto insurance review.
Cons
- Customization Can Add Costs: Personalized SR-22 insurance in Tennessee may have higher premiums.
- Limited Discount Options: Not all SR-22 discounts are available for Tennessee drivers.
#6 – SafeAuto: Cheapest for Minimum Coverage
Pros
- Basic Requirements Met: SafeAuto specializes in SR-22 insurance that meets Tennessee minimums at low costs.
- Competitive Rates: SafeAuto SR-22 insurance in Tennessee starts at $72, which is excellent for high-risk drivers.
- Simple Process: Tennessee drivers can get SR-22 insurance without the hassle. Get full ratings in our SafeAuto insurance review.
Cons
- Few Coverage Options: SR-22 insurance in Tennessee through SafeAuto needs more extra features.
- High Number of Complaints: SafeAuto receives more customer complaints than other Tennessee SR-22 insurance companies on this list.
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#7 – Liberty Mutual: Cheapest Accident Forgiveness
Pros
- Lots of Options: Liberty Mutual has plenty of SR-22 insurance choices for Tennessee drivers. Compare prices and more in our Liberty Mutual review.
- Strong Financials: A-rated by A.M. Best, Liberty Mutual offers solid SR-22 support in Tennessee.
- Accident Forgiveness: Tennessee SR-22 drivers won’t face premium hikes after one accident.
Cons
- Higher Starting Rates: Liberty Mutual SR-22 insurance in Tennessee starts at $75, higher than Progressive and USAA.
- Limited SR-22 Discounts: Fewer SR-22 discount options for Tennessee policyholders.
#8 – Travelers: Cheapest With IntelliDrive Program
Pros
- Usage-Based Savings: Travelers rewards Tennessee SR-22 policyholders for safe driving with its IntelliDrive program.
- Excellent Stability: A++ rated by A.M. Best, making SR-22 insurance in Tennessee reliable.
- Great Digital Tools: Tennessee SR-22 drivers can manage everything online with ease. Compare free quotes in our review of Travelers auto insurance.
Cons
- Penalties for Risky Driving: SR-22 insurance in Tennessee can get costly if IntelliDrive picks up lousy driving.
- Limited SR-22 Discounts: Fewer SR-22 discount options than some other Tennessee providers.
#9 – Dairyland: Cheapest for Foreign Diplomats
Pros
- Options for Foreign Drivers: Dairyland offers SR-22 insurance in Tennessee to foreign diplomats and non-residents.
- Payment Flexibility: SR-22 insurance in Tennessee with Dairyland includes flexible payment plans.
- High-Risk Coverage: Perfect for Tennessee drivers with challenging records. To see monthly premiums, read our Dairyland auto insurance review.
Cons
- Pricey Compared to Others: SR-22 insurance in Tennessee starts at $83, higher than most options.
- Few Discounts for Regular Drivers: Limited SR-22 discounts for non-diplomats in Tennessee.
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#10 – The General: Cheapest for High-Risk Coverage
Pros
- High-Risk Specialization: The General is a go-to for SR-22 insurance in Tennessee for drivers with multiple violations. Get a full list of offerings in our The General auto insurance review.
- Quick and Easy Signup: Tennessee drivers can enroll in SR-22 insurance without complicated steps.
- Solid Financial Support: A-rated by A.M. Best, providing reliable SR-22 insurance in Tennessee.
Cons
- High Premiums: SR-22 insurance in Tennessee starts at $86, one of the more expensive options.
- Limited Customization: Tennessee SR-22 insurance with The General doesn’t offer many options for tailoring coverage.
Top Affordable Options for SR-22 Insurance in Tennessee
When searching for the cheapest SR-22 auto insurance in Tennessee, many companies offer good budget options for different coverage needs. For minimum requirement, Progressive is leading with $54 monthly, and Geico is giving cheap full coverage auto insurance starting from $175.
Tennessee SR-22 Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $83 | $205 |
| $66 | $175 |
| $75 | $185 |
| $68 | $180 |
| $54 | $170 |
| $72 | $185 |
| $65 | $175 |
| $86 | $215 |
| $78 | $190 |
| $58 | $160 |
People who need SR-22 full coverage can look at USAA’s plan, which costs $160 and is suitable for military families. For those with expensive or luxury cars, insurance companies like Nationwide and Liberty Mutual have customizable SR-22 plans that include many benefits at a higher price point.
Understanding SR-22 Insurance Rates in Tennessee
SR-22 car insurance rates in Tennessee can vary based on a few key factors unique to each driver. Your driving history is significant — if you’ve had to file SR-22 after multiple accidents, DUIs, or tickets, expect higher premiums since insurers see you as an added risk.
Where you live in Tennessee plays a role, too, with urban areas often having higher rates due to more traffic, theft, and accidents. The amount of coverage you choose also impacts what you’ll pay. Even your credit score makes a difference, as insurers tend to charge more if your score is lower.
By considering these elements, Tennessee drivers can find SR-22 insurance options through the best Tennessee auto insurance providers that meet their needs without breaking the bank.
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Maximizing Discounts for Cheaper SR-22 Insurance
Lowering SR-22 insurance costs in Tennessee doesn’t have to be complicated. Take advantage of discounts. Bundling your SR-22 with other policies, like home or renters insurance, often brings extra savings, and many companies offer lower rates for safe driving or low-mileage auto insurance discounts.
SR-22 Insurance Discounts From the Top Providers in Tennessee
| Insurance Company | Available Discounts |
|---|---|
| Good Driver, Multi-Policy, Continuous Insurance |
| Good Driver, Family Discount, Loyalty |
| Good Driver, Multi-Car, Safe Vehicle |
| Good Driver, Defensive Driving, Vehicle Safety |
| Good Driver, SmartRide, Anti-Theft Device |
| Good Driver, New Customer, Pay-in-Full |
| Good Driver, Multi-Policy, New Car |
| Good Driver, Early Signing, Continuous Insurance |
| Good Driver, Advanced Quote, Homeowner |
| Good Driver, Military, Multi-Car |
Keeping a clean driving record is also a way to save big on SR-22 auto insurance. Fewer tickets and accidents show insurers you’re a safer bet and can qualify you for safe-driving discounts.
Pull in the savings on car insurance.
— Flo from Progressive (@ItsFlo) July 1, 2021
Shopping around regularly to compare quotes from different insurers can make a massive difference since each price risk differs. These tips can help Tennessee drivers keep SR-22 insurance costs down without sacrificing their needed coverage.
Top Claim Types in Tennessee
What kinds of accidents are most common in Tennessee? The table shows how often they happen, how much they cost, and why drivers must file auto insurance claims. It’s a snapshot of the daily challenges drivers face across the state.
Rear-end collisions top the list, making up 28% of claims and costing about $3,500 each. Side-impact crashes come next at 22%, with higher repair bills averaging $4,200. Single-vehicle accidents aren’t far behind at 19%, hitting wallets hard with $5,100 per claim.
5 Most Common Auto Insurance Claims in Tennessee
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 28% | $3,500 |
| Side-Impact Collisions | 22% | $4,200 |
| Single Vehicle Accidents | 19% | $5,100 |
| Weather-Related Damage | 17% | $3,600 |
| Parked Car Damage | 14% | $1,300 |
Weather-related damage, like hail or storms, makes up 17%, costing $3,600. And let’s not forget parked cars—14% of claims come from those unfortunate bumps and scrapes, averaging $1,300.
When it comes to accidents, big cities lead the pack. Nashville sees 32,000 crashes a year, turning into 27,000 insurance claims. Memphis is close, with 30,000 accidents and 25,500 claims.
Tennessee Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Chattanooga | 12,000 | 10,000 |
| Clarksville | 8,500 | 7,100 |
| Knoxville | 15,000 | 12,500 |
| Memphis | 30,000 | 25,500 |
| Nashville | 32,000 | 27,000 |
Knoxville, Chattanooga, and Clarksville also report high numbers, showing that the risk is everywhere, whether in a busy city or a smaller town.
Top Ways to Save on Auto Insurance in Tennessee
Tennessee’s auto insurance scene has its highs and lows. From smooth claims handling to decent discounts, the tables show where the state excels and where it could do better. Here’s the breakdown.
Claims handling gets an A—quick and reliable, which every driver wants. Coverage options are robust, earning an A- offering plenty of choices and extra features at fair prices.
Tennessee Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Process | A | Quick and efficient claims handling from major providers |
| Coverage Options | A- | Extensive coverage options with competitive pricing and add-ons |
| Customer Satisfaction | B+ | Positive feedback, though some delays in urban areas |
| Affordability | B | Premiums are near the national average, with slight regional differences |
Customer satisfaction, while good, comes in at B+, with some delays reported in busier areas. Affordability scores a B, meaning prices are close to the national average but can vary depending on where you live.
Regarding discounts, bundling home and auto policies stands out, saving drivers 23% and earning an A grade. Safe driver discounts are another win, offering 18% savings through companies like Geico and Progressive.
Tennessee Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Bundling Home & Auto | A | 23% | State Farm, Allstate, Liberty Mutual |
| Safe Driver Discount | A | 18% | Geico, State Farm, Progressive |
| Good Student Discount | A- | 8% | State Farm, USAA, Geico |
| Multi-car Discount | B+ | 12% | Allstate, Liberty Mutual, Farmers |
| Anti-theft Device Discount | B | 7% | Nationwide, Progressive, Allstate |
Good student discounts shave off 8%, which is great for younger drivers. Multi-car policies and anti-theft discounts also help, offering 12% and 7% savings, respectively.
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Top SR-22 Insurance Providers in Tennessee
If you’re looking for the cheapest SR-22 insurance in Tennessee, Progressive, USAA, and State Farm are great picks for high-risk auto insurance. Progressive is a favorite for budget-friendly rates.
With flexible payment plans and digital tools, Progressive makes SR-22 coverage accessible and affordable.Michelle Robbins Licensed Insurance Agent
USAA brings special discounts for military families, and State Farm has plenty of local agents ready to help across Tennessee, but Progressive has the cheapest SR-22 insurance rates in Tennessee overall.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare SR-22 insurance prices from various companies near you.
Frequently Asked Questions
What is the average cost of SR-22 insurance in Tennessee?
Factors like driving record, coverage levels, and insurance provider determine the average monthly cost of SR-22 insurance in Tennessee, which can range from $54 to $86/month.
How do you get affordable SR-22 insurance in Knoxville, TN?
To get affordable SR-22 insurance in Knoxville, TN, compare rates from providers like Progressive and State Farm. Rates typically start around $54 per month for minimum coverage.
How long does TN require SR-22 insurance?
Tennessee typically requires SR-22 insurance for three years following a qualifying offense like a DUI or reckless driving.
Where can I get reliable SR-22 insurance in Nashville, TN?
For reliable SR-22 insurance in Nashville, TN, consider top providers like USAA, State Farm, or Geico. Monthly rates for SR-22 coverage begin at approximately $54, depending on your needs and driving record.
How can we get rid of SR-22 in Tennessee?
To remove SR-22 insurance in Tennessee, maintain a clean driving record for the required period, then notify your insurer and the DMV once you meet the requirements.
Does USAA have SR-22?
USAA offers SR-22 insurance, primarily for military members and their families who need cheap auto insurance for high-risk drivers in Tennessee. This makes USAA a great option for those seeking affordable and reliable high-risk coverage.
How much does it cost to license a car in Tennessee?
It is licensing a car in Tennessee costs between $27 and $33, depending on the vehicle type and location.
Why would someone have to get SR-22 insurance in Tennessee?
Drivers in Tennessee may need SR-22 insurance to reinstate their driving privileges after offenses like DUIs, reckless driving, or multiple traffic violations.
How much does SR-22 insurance cost in SC?
In South Carolina, SR-22 insurance typically costs between $65 and $120 per month, depending on your driving history and coverage needs. For broader options, consider comparing providers offering the best South Carolina auto insurance to find the right fit for your requirements.
How much does it cost to reinstate your license in Tennessee?
The reinstatement fee for a driver’s license in Tennessee is $65, though additional fees may apply depending on the violation.
Can an unpaid insurance claim in Tennessee result in the suspension of my license?
In Tennessee, failure to pay an insurance claim can result in license suspension until the debt is resolved.
What is the cheapest FR-44 insurance?
Progressive and Geico are the cheapest FR-44 auto insurance providers. Rates start around $15 more monthly than standard SR-22 policies, depending on state requirements.
What is the best car insurance for SR-22?
Progressive, USAA, and State Farm are often considered the best options for SR-22 insurance due to their affordable rates and reliable coverage.
What happens if you get pulled over without insurance in Tennessee?
If you are stopped in Tennessee without insurance and unable to produce evidence of insurance, you risk fines, court costs, and license suspension.
How much is SR-22 insurance per month in California?
California SR-22 insurance typically ranges from $65 to $125 monthly. To ensure comprehensive coverage, explore providers offering the best California auto insurance for high-risk drivers.
How much is SR-22 insurance in Texas?
SR-22 insurance costs approximately $70 to $130 monthly in Texas, depending on the provider and the driver’s history.
What is the average cost of SR-22 insurance in Florida?
What is SR-22 insurance in Mississippi?
SR-22 insurance in Mississippi is a certificate required for high-risk drivers to prove they have the state-mandated minimum liability coverage. To ensure adequate protection, explore providers offering the best Mississippi auto insurance for comprehensive and affordable options.
What is SR-22 insurance in Arizona?
SR-22 insurance in Arizona is a form of financial responsibility proof required for drivers who wish to reinstate their licenses after severe violations, such as DUIs or multiple accidents.
Does Progressive cover DUI accidents?
Yes, Progressive covers DUI accidents, but premiums may increase significantly due to the high-risk nature of these claims.
Get a free quote on auto insurance by using our comparison tool now.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.