SR-22 & High-Risk Driver Coverage in Tennessee—Get Filed the Right Way

Need an SR-22 Filed to Get Back on the Road?

If you’ve been required to file an SR-22 in Tennessee, it means the state needs proof of future financial responsibility before your license can be reinstated or maintained. An SR-22 isn’t an insurance policy—it’s a certificate filed by your insurer with the state of Tennessee confirming you carry the required liability coverage.



The Bill Yon Agency helps drivers across Tennessee get SR-22 filings completed correctly and on time—without confusion or unnecessary delays.

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Tennessee Financial Responsibility Explained

An SR-22 is a state-required filing, sometimes called a certificate of financial responsibility, that proves you have active auto liability insurance through a carrier licensed in Tennessee. It’s commonly required after situations such as:

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DUI or Serious Traffic Violations

Required after major offenses to prove you carry active liability insurance that meets Tennessee requirements.

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Driving Without Insurance

Mandated if you were caught operating a vehicle without valid auto insurance on file.

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License Suspension or Revocation

Often required to reinstate your driving privileges after a suspension or revocation.

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Multiple At-Fault Accidents

Triggered when repeated accidents signal higher risk and the state requires proof of financial responsibility.

Once required, the SR-22 must be filed by your insurance company and maintained for the full state-mandated period.

A Clear, Fast Path

  • Scheduled Property Endorsement

    Added to your homeowners or renters policy to increase limits for listed items.

  • Choose the right policy type (owner or non-owner)

  • Start your policy with a TN-licensed insurer

  • We file the SR-22 with the state—often same day

  • Keep coverage active until the state releases the requirement

We guide you through each step and help you stay compliant.

Owner vs. Non-Owner SR-22: Get the Right Option

SR-22 insurance comes in two forms, depending on whether you own a vehicle. Owner SR-22 insurance is for drivers who own a car and need liability coverage along with the required SR-22 filing. Non-owner SR-22 insurance is designed for drivers who don’t own a vehicle but still need proof of financial responsibility to reinstate or maintain a license, providing liability coverage when driving vehicles they don’t own. We’ll help you choose the correct option so your filing is accepted without delays or issues.

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SR-22 FAQs

  • How do I get an SR-22 filed in Tennessee?

    Contact a licensed insurance agency. The insurer files the SR-22 electronically with the state on your behalf.

  • Can I get an SR-22 without owning a car?

    Yes. A non-owner SR-22 policy is designed for that situation.

  • How long do I need an SR-22 in Tennessee?

    It varies by violation, but commonly ranges from one to several years. We can help you confirm your specific requirement.

  • Is SR-22 insurance expensive?

    Costs vary by driving history, but we shop options to find coverage that meets the requirement at a reasonable rate.

Need This Done Quickly?

We’ll confirm your requirement, start the right policy, and file your SR-22 correctly—often the same day.

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Let's Talk

Get Back on Track—With Help You Can Rely On

SR-22 requirements don’t have to be overwhelming. The Bill Yon Agency provides clear guidance, proper filing, and ongoing support for high-risk drivers across Tennessee.