Car Insurance After a DUI in Tennessee: Cheapest Companies & Rates (2026)
A DUI in Tennessee increases car insurance rates by an average of 82%, raising a typical full coverage policy from $1,824/year to $3,320/year. That's an increase of $1,496/year ($125/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Tennessee
Before DUI
$152/mo
$1,824/year full coverage
After DUI (+82%)
$277/mo
$3,320/year full coverage
Cheapest Companies After DUI in Tennessee
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $205/mo | $2,457/yr | Military families |
| Erie Insurance | $219/mo | $2,623/yr | Rate lock guarantee |
| GEICO | $227/mo | $2,722/yr | Clean driving record |
| Progressive | $243/mo | $2,922/yr | Telematics savings |
| State Farm | $252/mo | $3,021/yr | Good students |
| Travelers | $263/mo | $3,154/yr | Multiple discounts |
| Nationwide | $288/mo | $3,453/yr | Bundling home + auto |
| Farmers | $299/mo | $3,586/yr | Signal telematics |
| Allstate | $310/mo | $3,718/yr | Accident forgiveness |
| Liberty Mutual | $326/mo | $3,918/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Tennessee, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Tennessee
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Tennessee
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Tennessee
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $277/mo | +82% |
| Year 1 | $264/mo | +74% |
| Year 2 | $245/mo | +62% |
| Year 3 | $214/mo | +41% |
| Year 5 | $177/mo | +16% |
| Year 7 | $152/mo | Normal |