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Q

How long do you have to carry SR-22 insurance in Tennessee?


A

A SR-22 form is proof of future financial responsibility as required under Tennessee Code Annotated 55-12-114. The DMV states that if you are required to file a SR-22, then you should contact your liability insurance representative and advise them of the needed filing with our state.

The SR22 form must be filed by an insurance company licensed through the Tennessee Department of Commerce and Insurance to issue motor vehicle liability insurance coverage in Tennessee. The minimum limits of liability required in Tennessee are 25/50/10.

The TN Department of Public Safety cannot furnish blank forms. The form must be issued from a liability insurance company. For the cost of this type insurance you will need to check with your insurance agent.

The TN DPS notes that a SR-22 can be required for a total of 5 years from your date of suspension. If the SR-22 is filed for a total of 3 years (36 months) within the 5-year period, the SR-22 may be cancelled provided it is not required on any other suspension. If 5 years pass from the date of suspension before you reinstate your privileges, then the SR-22 would not be required. If the SR-22 is cancelled before the required time and a new form not filed, your driving privileges will be suspended.

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For information specific to your SR22 filing situation you should contact the Tennessee DPS and get information on how long you will need to maintain the SR-22 form with your insurance policy.


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