Best Car Insurance After a DUI in Tennessee (Top 10 Companies for 2024)
State Farm, Geico, and Progressive have the best car insurance after a DUI in Tennessee driver with one DUI offense, and their prices are $25 monthly. While State Farm has the lowest premiums, Geico and Progressive offer reasonable prices and a wide range of coverage for drivers with DUIs.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Dec 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Dec 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
Company Facts
Full Coverage After a DUI in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage After a DUI in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
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Frequently Asked Questions
What is a DUI in Tennessee?
A DUI in Tennessee refers to the offense of driving under the influence of alcohol or drugs. It occurs when a person operates a motor vehicle with a blood alcohol concentration (BAC) of 0.08% or higher, or while under the influence of any impairing substance.
Discover more by delving into our article entitled “Out-of-State DUI Convictions.“
How does a DUI affect car insurance rates in Tennessee?
A DUI conviction can have a significant impact on car insurance rates in Tennessee. Insurance companies generally consider drivers with a DUI to be high-risk, resulting in higher premiums. The exact increase in rates will vary depending on the insurance provider and other factors.
Can I still get car insurance after a DUI in Tennessee?
Yes, you can still get car insurance after a DUI in Tennessee. However, finding affordable coverage may be more challenging. Some insurance companies specialize in providing coverage for high-risk drivers, including those with a DUI, but the premiums are likely to be higher than before the conviction.
See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
How long will a DUI affect my car insurance rates in Tennessee?
A DUI conviction can affect your car insurance rates in Tennessee for several years. Typically, it will remain on your driving record for at least five years. During this time, insurance companies may consider you a higher risk and charge higher premiums. However, as time passes and you maintain a clean driving record, the impact on your rates may gradually decrease.
Are there any specific car insurance requirements for drivers with a DUI in Tennessee?
Yes, Tennessee has specific car insurance requirements for drivers with a DUI. After a DUI conviction, you will likely be required to carry SR-22 insurance, which is a certificate of financial responsibility. This form verifies that you have the minimum liability coverage required by the state. Failure to maintain SR-22 insurance can result in license suspension.
Uncover additional insights in our article called “DUI and Expungement: Clearing Your DUI Record.”
How long does a DUI affect your insurance in TN?
A DUI can affect your insurance rates in Tennessee for up to five years.
How long is SR-22 required in Tennessee?
SR-22 is typically required for three years following a DUI conviction in Tennessee.Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
How much is DUI insurance in Tennessee?
In Tennessee, DUI insurance typically costs between $83 and $250 per month. This range can vary based on factors such as the insurance provider and your driving record.
How long does a DUI stay on your background check in Tennessee?
A DUI conviction remains on your background check in Tennessee for five years.
Explore further details in our “Requirements for a DUI Checkpoint.”
How to get rid of SR-22 in Tennessee?
To get rid of an SR-22 in Tennessee, you must maintain continuous insurance coverage for the required period, and then your insurance provider can file a cancellation of the SR-22.
How to check SR-22 status in Tennessee?
You can check your SR-22 status in Tennessee by contacting your insurance provider or the Tennessee Department of Safety and Homeland Security.
What is the best affordable car insurance for high-risk drivers?
The best affordable car insurance for high-risk drivers often includes State Farm, Geico, and Progressive, as they offer competitive rates and flexible coverage options.
How much is SR-22 insurance in Tennessee?
SR-22 insurance in Tennessee typically costs between $25 and $50 for the SR-22 filing fee, plus the higher premiums associated with being classified as a high-risk driver. Dive deeper into our “Will car insurance rates increase after a DUI?” for a comprehensive understanding.
How long does a DUI affect insurance in Tennessee?
A DUI can affect your insurance rates in Tennessee for up to five years.
Does insurance cover DUI accidents in Tennessee?
Yes, insurance can cover DUI accidents in Tennessee, but you may face significant limitations and higher premiums due to the DUI conviction.
What happens after you get a DUI in Tennessee?
After a DUI in Tennessee, you will face legal penalties, including fines, license suspension, and potential jail time, as well as increased insurance premiums.
What is the lookback period for a DUI in Tennessee?
Tennessee has a 10-year lookback period for DUI offenses when determining penalties for subsequent offenses. Delve into the depths of our “Out-of-State DUI Warrants” for additional insights.
What is the first offense in Tennessee for driving on a suspended license?
The first offense for driving on a suspended license in Tennessee can result in a Class B misdemeanor charge, which may include fines and possible jail time.
Who do I call to get my license reinstated in Tennessee?
To get your license reinstated in Tennessee, you can call the Tennessee Department of Safety and Homeland Security.
How do I get my SR-22 removed in Tennessee?
To remove your SR-22 in Tennessee, you must complete the required period of having the SR-22 insurance, and your insurance provider will file for cancellation.
Is auto insurance required in TN?
Yes, auto insurance is required in Tennessee, with minimum liability coverage limits mandated by law.
Uncover more about our “What defenses are there in a drunk driving case?” by reading further.
How long is a statute of limitations for DUI in Tennessee?
The statute of limitations for a DUI in Tennessee is two years from the date of the offense.
How do you get a DUI dismissed in Tennessee?
To get a DUI dismissed in Tennessee, you typically need to negotiate with the prosecution, possibly resulting in a plea deal or by providing evidence that questions the validity of the arrest.
What happens for your first DUI offense in Tennessee?
For a first DUI offense in Tennessee, you may face a fine, license suspension, mandatory DUI school, and possibly jail time.
Can I get my car insurance rates reduced after a DUI in Tennessee?
While it may be challenging to reduce car insurance rates immediately after a DUI in Tennessee, there are steps you can take to lower your premiums over time. These include maintaining a clean driving record, completing a defensive driving course, and comparing quotes from different insurance providers to find the most competitive rates.
Expand your understanding with our “Understanding a DUI Driver’s License Suspension.”
Enter your ZIP code below to compare cheap insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.