Non-Owner SR-22 Insurance in Tennessee

If Tennessee has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. Tennessee requires at least 25/50/25 liability coverage.

Who needs a non-owner SR-22 in Tennessee?

Tennessee drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Tennessee Department of Safety.

How to get a non-owner SR-22 in Tennessee

1. Confirm the requirement. Check your suspension notice or court paperwork, or call the Tennessee Department of Safety, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
2. Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
3. Buy the policy and pay the filing fee. The insurer files the SR-22 with Tennessee electronically, usually within one business day.
4. Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.

Tennessee details to know

Tennessee requires an SR-22 after DUI and certain financial responsibility suspensions, and repeat offenses can mean longer filing periods. Tennessee also requires an ignition interlock for many DUI offenses and for restricted licenses.

Tennessee non-owner SR-22 FAQ

Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Tennessee Department of Safety or your court before you buy a policy.

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