Tennessee SR-22 & High-Risk Auto Insurance
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseTennessee 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 who accumulate 12 points within 12 months face license suspension and typically need SR-22 filing to reinstate. The Tennessee Department of Safety and Homeland Security oversees driver licensing and SR-22 compliance. Most point violations from speeding tickets or at-fault accidents do not trigger SR-22 requirements, but rates still increase based on points assessed.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
SR-22 Insurance
Non-Standard Auto Insurance
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
What Affects Your Rate
- SR-22 requirement: adds administrative cost but the underlying violation drives the rate increase
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Tennessee's 25/50/25 minimums are often insufficient for serious accidents, leaving you personally liable for the difference.
Full Coverage
Bundles liability, collision, and comprehensive. Required by lenders and recommended for vehicles worth over $5,000 to protect your asset after an at-fault accident.
SR-22 Insurance
A certificate proving continuous coverage filed with the state. Required for 3 years after DUI, suspension, or uninsured driving. Any lapse restarts the clock.
Non-Standard Auto Insurance
Policies from carriers that specialize in high-risk drivers. Non-standard insurers accept violations, suspensions, and SR-22 requirements that major companies decline.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if an uninsured driver hits you. Not required in Tennessee but recommended given the state's uninsured driver rate.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Required by lenders and essential if your car is worth more than a few thousand dollars.