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Non-Owner SR-22 Insurance in Tennessee

Tennessee requires SR-22 filing for 3 years after most violations, but you don't need a vehicle to satisfy it. Non-owner SR-22 provides state-minimum liability coverage when you drive borrowed cars and costs 30-60% less than standard owner policies. Most Tennessee drivers pay $30–$65/month for non-owner SR-22 coverage.

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Updated May 2026

Minimum Coverage Requirements in Tennessee

Tennessee operates under a fault-based liability system, meaning the at-fault driver's insurance pays for injuries and damage in a collision. The state requires all drivers to carry proof of financial responsibility, typically satisfied through liability insurance with minimum limits of 25/50/15. Drivers who receive a suspension notice for certain violations must file Form SR-22 with the Tennessee Department of Safety and Homeland Security to prove continuous coverage during the filing period.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
This coverage pays medical expenses, lost wages, and legal fees when you injure someone in an accident you cause. Tennessee's 25/50 minimum covers one person's injuries up to $25,000 and all injuries in one accident up to $50,000. A single emergency room visit after a moderate collision can exceed $25,000, leaving you personally liable for the difference if you carry only the minimum.
$15,000 per accident
Property Damage Liability
This pays for damage to another driver's vehicle, fence, mailbox, or other property when you're at fault. Tennessee requires $15,000 minimum, which may not fully cover damage to newer vehicles or multiple-car accidents. The average new car costs over $48,000, so striking one vehicle can exceed the state minimum by a factor of three.
Meets state minimums (25/50/15)
Non-Owner SR-22 Liability
Non-owner SR-22 policies provide liability-only coverage when you drive a borrowed or rented vehicle, and the carrier electronically files Form SR-22 with the Tennessee Department of Safety to prove you maintain continuous coverage. This policy does not cover a vehicle you own, lease, or regularly use. If you acquire a car during the filing period, you must convert to an owner SR-22 policy or add the vehicle to existing coverage within 30 days to avoid a lapse.
State-Mandated Minimum Coverage · Tennessee

Tennessee Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$65

Meeting the state minimum keeps you legal. See whether it's enough — get your Tennessee quote.

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How Much Does Car Insurance Cost in Tennessee?

Non-owner SR-22 policies cost substantially less than standard owner SR-22 because there's no vehicle attached to the policy and no comprehensive or collision coverage. Tennessee non-owner SR-22 premiums depend on the violation that triggered the filing requirement, your age, and your prior insurance history.

What Affects Your Rate

  • DUI-related SR-22 filings in Tennessee add $40–$80/month to non-owner base rates compared to driving-without-insurance filings.
  • Drivers under 25 pay roughly 25–40% more for non-owner SR-22 than drivers over 30 due to accident frequency statistics.
  • Urban Tennessee counties like Davidson and Shelby have higher non-owner rates than rural counties because of collision density and uninsured motorist rates.
  • A clean driving record prior to the SR-22 trigger can reduce premiums by 15–25% compared to drivers with multiple prior violations.
  • Carriers writing non-owner SR-22 in Tennessee include Progressive, The General, National General, and Bristol West, with rates varying by up to 40% between carriers for identical coverage.
Minimum Non-Owner Coverage
$30–$50/mo
State-minimum 25/50/15 liability limits only. This satisfies SR-22 filing requirements and covers you when driving someone else's vehicle with permission.
Standard Non-Owner Coverage
$50–$75/mo
Higher liability limits such as 50/100/50 or 100/300/100, plus optional uninsured motorist coverage. Provides better protection if you cause a serious accident while driving a borrowed car.
Enhanced Non-Owner Coverage
$75–$120/mo
Maximum liability limits and uninsured/underinsured motorist coverage. Recommended if you regularly drive high-value vehicles borrowed from family or friends, as their insurance may not fully cover damage you cause.

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Coverage Types

Non-Owner SR-22 Insurance

Liability-only coverage that satisfies Tennessee SR-22 filing requirements without a vehicle attached to the policy. Covers you when driving borrowed or rented cars.

Liability-Only Coverage

Pays for injuries and property damage you cause to others in an accident. Tennessee requires 25/50/15 minimums, which non-owner policies provide.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Optional on non-owner policies.

Owner SR-22 Conversion

If you buy or are gifted a vehicle during your SR-22 filing period, you must switch from non-owner to owner SR-22 and add comprehensive and collision if the vehicle is financed.

Find Your City in Tennessee

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Nashville

urban
Memphis, Tennessee cityscape and street view

Memphis

urban
Knoxville, Tennessee cityscape and street view

Knoxville

urban
Chattanooga, Tennessee cityscape and street view

Chattanooga

urban
Clarksville, Tennessee cityscape and street view

Clarksville

suburban
Murfreesboro, Tennessee cityscape and street view

Murfreesboro

suburban
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Franklin

suburban
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Jackson

urban
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Johnson City

urban
Panoramic view of green rolling hills, farmland, and distant mountains under a blue sky with white clouds

Hendersonville

suburban
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Kingsport

urban
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Maryville

suburban

Frequently Asked Questions

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