Cheap SR-22 Insurance in Alabama From $61
The average monthly rate for SR-22 insurance in Alabama is $105, but you may find more affordable rates by comparing quotes.
Secure. Free. Easy-to-use.
Excellent
)
Written byJanet Berry-Johnson
)
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Featured in
){kind=logo}
){kind=logo}
){kind=logo}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byDaniel Roccato
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
An SR-22 is a form that proves to the state that you have the minimum required car insurance coverage after certain violations, like driving under the influence (DUI) or reckless driving. In Alabama, carrying an SR-22 helps ensure high-risk drivers maintain continuous insurance coverage as mandated by state law.
Here’s what you need to know about SR-22 coverage in the state of Alabama.
Quick Facts
As an Alabama driver, you’ll typically need to maintain an SR-22 for three years after a DUI or other major traffic offense.
Insurance companies can charge a fee of up to $200 for issuing an SR-22.
If you move out of Alabama, you still need to maintain the SR 22 until the state-mandated period is complete.
Cheapest companies for SR-22 insurance in Alabama
Several insurance companies offer competitive rates for high-risk drivers. The table below highlights some of the cheapest options available for both liability-only and full coverage in Alabama so you can easily compare costs.
Just remember, the best policy for you depends on your driving history, ZIP code, coverage needs, and other factors.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company  | Liability Only | Full Coverage |
|---|---|---|
| National General | $61 | $133 |
| Direct Auto | $65 | $150 |
| Progressive | $81 | $134 |
| Auto-Owners | $82 | $124 |
| State Farm | $82 | $125 |
| USAA | $82 | $124 |
| Allstate | $88 | $134 |
| COUNTRY Financial | $90 | $137 |
| Bristol West | $93 | $241 |
| Root | $93 | $163 |
| The General | $95 | $156 |
| AssuranceAmerica | $107 | $221 |
| Travelers | $112 | $169 |
| GAINSCO | $113 | $282 |
| Safeco | $119 | $209 |
| GEICO | $126 | $189 |
| Dairyland | $133 | $384 |
| Nationwide | $139 | $211 |
| Farmers | $151 | $228 |
| Liberty Mutual | $233 | $315 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Alabama?
SR-22 insurance isn’t actually a type of insurance policy. Instead, it’s a proof of financial responsibility certificate your insurance company files with the state. An SR-22 confirms you carry the required minimum liability insurance coverage after a serious driving violation, like a DUI or multiple traffic offenses.
When your car insurance company issues an SR-22 to the state of Alabama, it also promises to inform the state if your insurance lapses for any reason.[1] This extra layer of monitoring is necessary for high-risk drivers who want to regain their driving privileges.
Find Cheap Car Insurance in Alabama
Liability rates start at $61 per month for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Difference between SR-22 and FR-44
Alabama uses an SR-22 form to prove high-risk drivers have the required minimum insurance coverage. The minimum limits required by Alabama law are:[2]
$25,000 of bodily injury liability per person
$50,000 of bodily injury liability per accident
$25,000 of property damage liability
In Florida and Virginia, another form called an FR-44 serves a similar purpose, but an FR-44 focuses on DUIs and other serious violations.
The difference between an SR-22 and an FR-44 is the level of coverage required. If you need an SR-22, you only need to carry the state-mandated minimum liability limits. But an FR-44 requires liability insurance beyond the minimum limits.
Alabama drivers don’t need to worry about FR-44 forms unless they move to Virginia or Florida.
When you need SR-22 insurance
You may need an SR-22 in Alabama after a serious traffic violation. The most common reasons for needing one include:
DUI: If you’re convicted of driving under the influence, Alabama will likely require you to carry an SR-22 to reinstate your driver’s license.
Driving without insurance: Being caught driving without the state’s minimum insurance coverage often leads to an SR-22 requirement.
License suspension or revocation: After accumulating too many traffic violations or points on your driving record, Alabama may suspend your driver’s license and require an SR-22 to reinstate it.
Serious traffic offenses: Reckless driving, speeding, or causing a motor vehicle accident without insurance can also trigger an SR-22 requirement.
How to get SR-22 insurance in Alabama
To get SR-22 coverage in Alabama, you should:
1. Contact your insurance company
Let your current insurance company know you need an SR-22. If your insurer doesn’t offer SR-22s, you may need to switch to one that does.
2. Purchase the necessary coverage
If you need to switch insurance companies, make sure your new policy meets at least the state’s minimum liability limits. You might want higher liability limits or full coverage, which includes comprehensive and collision coverage for your vehicle. Be sure to consider your needs and budget.
3. Request the Alabama SR-22 form
Your insurance company will file the SR-22 with the Alabama Department of Public Safety on your behalf to confirm you meet the minimum liability insurance limits.[3]
4. Pay the filing fee
Your insurance company may charge a fee of up to $200 for issuing the SR-22. This fee is in addition to your regular insurance premiums.
5. Check your license reinstatement
Once your insurance company files the SR-22, confirm your license has been reinstated if it was suspended or revoked.
6. Maintain continuous coverage
Keep your car insurance in force for the state-mandated period — typically three years. Don’t let it lapse for non-payment, or your insurance company will notify the state.
How long Alabama requires SR-22 insurance
Alabama typically requires drivers to maintain SR-22 insurance for three years following the violation that triggered the event. But certain circumstances can extend this timeline.
For example, the state may extend the timeline if you commit additional traffic violations while you have an SR-22 or you let your insurance lapse.
It can also make getting an SR-22 more difficult. Finding SR-22 insurance can be challenging because not all insurance companies offer them, and insurance companies view drivers who need them as high risk, which means they’re usually expensive. If you have an SR-22, staying compliant throughout the required period can help you avoid further penalties.
Compare Alabama Car Insurance Quotes
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How SR-22 insurance affects driving record and future rates in Alabama
An SR-22 itself doesn’t affect your driving record, but the violations leading up to needing one affect your driving record and insurance rates. Insurance companies view drivers with DUIs and people who drive without insurance as high-risk, and they charge higher rates to offset that risk. This is true for the duration of the SR-22 period and sometimes beyond.
Here are a few tips to improve your driving record and lower your insurance rates:
Maintain a clean driving record. Safe driving helps you avoid tickets and accidents, which helps improve your standing with insurance companies over time and leads to lower premiums once the SR-22 period ends.
Complete a defensive driving course. Some insurance companies offer discounts if you complete an approved defensive driving course.[4]
Shop around for auto insurance quotes. Compare rates from different insurance companies. Some may offer lower premiums even with an SR-22 requirement.
Drive a safe vehicle. You can lower your insurance premiums by driving a vehicle with good safety scores.
Bundle insurance policies. If possible, bundle your car insurance with other policies, like home or renters insurance. Many insurers offer discounts when you combine policies.
Improve your credit history. In Alabama, insurance companies are allowed to use your credit history as a factor when calculating your car insurance premiums. Improving your credit can lead to better rates over time, even if you have an SR-22 requirement.
Alabama SR-22 insurance FAQs
If you’re new to SR-22 insurance in Alabama, you may have additional questions about how it works and what to expect. Here are answers to some frequently asked questions.
How do you know if you need an SR-22 or FR-44?
You may need SR-22 insurance in Alabama if you’re convicted of serious violations like a DUI, reckless driving, or driving without insurance.
Alabama doesn’t use an FR-44. It only applies in Florida and Virginia. But if you’re required to carry an FR-44 in either state, you’ll have to carry liability coverage above and beyond the minimum required limits.
Are there any fees with SR-22 insurance?
Yes. Your insurance company may charge a fee for filing an SR-22. Insurance companies typically charge fees up to $200. Insurers also consider SR-22 drivers as high-risk, so you can expect higher premiums than someone with a clean driving record.
How much do car insurance rates increase after filing an SR-22?
Expect your car insurance rates to increase quite a bit if you need an SR-22. For example, Alabama drivers with a clean record pay an average of $63 per month, while drivers with a DUI pay an average of $79 per month, according to Insurify data. The exact increase depends on several factors, including the violation that led to the SR-22, your driving history, and your insurance company.
How long do you have to hold an SR-22 in Alabama?
Alabama generally requires drivers to maintain an SR-22 for three years, but the duration can vary depending on the nature and severity of the offense. Any lapse in your auto insurance policy coverage can extend the SR-22 period or lead to additional penalties.
How do you get rid of an SR-22 in Alabama?
Once you’ve met the state’s requirement — usually three years — you can contact your insurance company and ask it to send an SR-26 form to the Alabama DMV. This form removes your SR-22. Before getting rid of your SR-22, confirm with the state that you no longer need it.
What happens to your SR-22 in Alabama if you move?
If you move out of Alabama, you’re still required to maintain your SR-22 until the state-mandated period is complete. Even if you move to another state, your insurance company will need to continue filing the SR-22 certificate with Alabama to avoid penalties.
Your new state of residence may have additional requirements.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance Quotes in Alabama Starting at $51
May 21, 2025
)
Best Car Insurance in Alabama 2025
July 14, 2025
)
Car Insurance Requirements in Alabama
July 15, 2025
)
Car Insurance for High-Risk Drivers in Alabama
July 15, 2025
Average Car Insurance Cost in Alabama
June 25, 2025
)
How to Shop for Car Insurance
July 15, 2025
)
How to Find Cheap Commercial Auto Insurance
February 14, 2025
)
Car Insurance for Disabled Drivers
July 3, 2025
Cheapest Car Insurance Quotes in Dothan, AL
July 15, 2025
)
Cheap Car Insurance in Tuscaloosa, AL, Starting at $56
July 15, 2025
)
Cheap Car Insurance in Madison, AL, Starting at $50
July 15, 2025
)
Cheap Car Insurance in Montgomery, AL, Starting at $61
July 15, 2025
)
Cheap Car Insurance in Huntsville, AL, Starting at $51
July 15, 2025
)
Cheap Car Insurance in Mobile, AL, Starting at $58
July 15, 2025
)
Cheap Car Insurance in Enterprise, AL, Starting at $46
July 15, 2025
)
Cheap Car Insurance in Birmingham, AL, Starting at $60
July 15, 2025
)
Sources
- Kelley Blue Book. "SR-22 Insurance: What Is It and How Does It Work?."
- Alabama Department of Insurance. "Automobile Insurance FAQs."
- American Association of Motor Vehicle Administrators. "SR22/26."
- National Traffic Safety Institute. "Alabama Traffic Survival Workshop."
)
Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.