How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
SR-22 Insurance
SR-22 is a state-mandated certificate proving you carry liability insurance, typically required after DUI, excessive points, or driving uninsured. Tennessee requires it for 3 years from the violation date.
Non-Owner SR-22
Non-owner policies provide liability coverage when you don't own a vehicle but need SR-22 filing to reinstate your license. Tennessee accepts non-owner SR-22 for most suspension types except those requiring vehicle-specific coverage.
Liability Insurance
Tennessee requires $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Liability pays for damage you cause to others, not your own vehicle.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you when hit by a driver with no insurance. Tennessee does not mandate this coverage, but carriers must offer it at the same limits as your liability policy.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers, including those with suspensions, DUIs, or lapsed coverage. Premiums run 40–80% higher than standard market rates but offer a path to coverage when preferred carriers decline.
