Estimates, not quotes

SR-22 insurance in Memphis, TN

What an SR-22 costs in Memphis, how Tennessee handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Memphis

For comparison, a clean-record driver in their 30s pays about $475 for minimum coverage and $1,385 for full coverage in Memphis by our estimate.

SR-22 insurance — estimated annual premium in Memphis
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$605$1,715+27%
After an at-fault accident$710$2,035+49%
After a DUI$900$2,590+89%

Tennessee rules that apply

Tennessee uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 3 years. Violations such as DUI, unsatisfied judgments or serious hit-and-run offenses require SR-22 proof to be kept for the length of the suspension or revocation period.

Any policy you buy must meet Tennessee's minimum of 25/50/25 liability coverage.

All Tennessee car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Memphis

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Insurance offices in Memphis

There are 110 insurance offices listed near Memphis. See the full list with directions on the Memphis car insurance page.

  • Steve Womack - State Farm 848 South Cooper Street
  • Erie Insurance 3181 Poplar Avenue
  • State Farm
  • Edward Maddox - Farmers Insurance 2151 Courtland Pl
  • Auto$ave Insurance 2550 Poplar Avenue
  • Allstate Direct Agency 1211 Getwell Rd
  • Parker Rhett - State Farm 4515 Poplar Avenue
  • Mostly Trucks 4035 Summer Avenue
  • Cynthia E Scales - Allstate 4735 Spottswood Ave
  • Blake Sims - GEICO 4726 Poplar Ave.
  • Tyler Little - State Farm 4741 Poplar Avenue
  • GEICO

Frequently asked questions

How much does SR-22 insurance cost in Memphis?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $900 a year for minimum coverage after a DUI in Memphis, and $710 after an at-fault accident.

How long do you need an SR-22 in Tennessee?

Typically about 3 years from the date required, but the court or DMV order sets the exact period. Violations such as DUI, unsatisfied judgments or serious hit-and-run offenses require SR-22 proof to be kept for the length of the suspension or revocation period.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page