SR-22

Helping you get back on the road — legally and confidently.

An SR-22 is not an insurance policy itself, but a state-required filing that proves you carry the minimum liability insurance mandated by Tennessee law. SR-22 filings are typically required after serious driving violations such as a DUI, driving without insurance, or multiple traffic offenses. If the state requires you to carry an SR-22, maintaining continuous coverage is critical — a lapse can result in license suspension or additional penalties.

At Cothren Insurance Agency in Lawrenceburg, TN, we help drivers quickly secure SR-22 filings and the insurance coverage needed to stay compliant and move forward.

SR-22 Coverage Options

SR-22 Filing with Auto Insurance
If you own a vehicle, we can help place an auto policy that includes the required SR-22 filing with the State of Tennessee.

Non-Owner SR-22 Insurance
Designed for drivers who don’t own a vehicle but still need an SR-22 on file to reinstate or maintain their license.

Bodily Injury Liability
Covers injuries, medical expenses, and legal costs if you cause harm to others in an accident.

Property Damage Liability
Pays for damage you cause to another person’s vehicle or property.

Uninsured / Underinsured Motorist Coverage
Provides protection if you’re involved in an accident with a driver who lacks adequate insurance.

Medical Payments Coverage
Helps cover medical expenses for you and your passengers after an accident, regardless of fault.

Important Things to Know About SR-22 Insurance

  • The SR-22 must remain active for the entire state-mandated period (often several years)

  • Any lapse or cancellation will be reported to the state and may result in license suspension

  • SR-22 policies often carry higher premiums due to increased risk

  • Filing requirements vary based on the violation and court or state order

We help ensure your policy stays compliant so you don’t face additional setbacks.

Why SR-22 Insurance Matters

License Reinstatement – Required to regain or maintain driving privileges after certain violations.
Legal Compliance – Keeps you in good standing with the Tennessee Department of Safety.
Financial Protection – Provides liability coverage that protects you from costly claims.
Path Forward – Allows you to rebuild your driving record and eventually return to standard insurance.

Why Choose Cothren Insurance Agency?

Local Experience – We understand Tennessee SR-22 requirements and filing procedures.
Fast Filing – We work quickly to get your SR-22 filed with the state once coverage is bound.
Flexible Options – Whether you own a vehicle or need a non-owner SR-22, we help find the right solution.
Ongoing Support – We help monitor your policy to avoid lapses that could cause further penalties.