Proof of Financial Responsibility & Penalties
Under Tennessee law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:
- At the request of a law enforcement officer at the time of an accident or traffic stop
- When registering a vehicle
Penalty for Failure to Comply with Tennessee's Financial Responsibility Requirements:
Failure to maintain proper insurance could lead to the suspension of your driver's license and a $100 fine. If your driver's license is suspended, there may also be a STOP placed on your vehicle registration until you reinstate your license by showing evidence of Financial Responsibility and meeting all other requirements. If a STOP is in place, you may not be allowed to register or renew your vehicle.
Certificate of Financial Responsibility (SR-22):
An SR-22 is a certification of proof of future Financial Responsibility issued by your insurance company to the Tennessee Department of Safety providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:
- To reinstate a license suspended after the person fails to pay an accident judgment
- To reinstate a license suspended after the person fails to maintain proof of Financial Responsibility
- To reinstate a license suspended for excessive points
- To reinstate a license suspended for Driving Under the Influence (DUI)
If you are required to maintain a certificate of Financial Responsibility, your insurance company must provide the Department of Safety with at least ten (10) days advance notice before termination.
SafeAuto will only issue a Tennessee SR-22 to Tennessee residents.
Looking For Affordable Tennessee Car Insurance?
You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.
SafeAuto offers affordable car insurance throughout the entire state of Tennessee! If you are looking for more information about car insurance in a specific city in Tennessee, additional material can be found below:
Tennessee Department of Safety
If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.