SR-22 Insurance in Alabama: Cost, Requirements, and Cheapest Companies
The average monthly rate for SR-22 insurance in Alabama is $117, but you may find more affordable rates by comparing quotes.
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Writer: Kim PorterInsurance Writer
Writer: Kim PorterInsurance Writer
Qualifications:
Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
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.
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Quick Facts
An SR-22 is a certificate of financial responsibility that confirms you’ve purchased at least the minimum car insurance coverage.
Alabama may require you to file an SR-22 after a serious traffic violation, such as driving under the influence or driving without insurance.
SR-22 insurance in Alabama costs an average of $82 per month for a liability-only policy and $177 for full coverage.
SR-22 requirements in Alabama
An SR-22 is a form that proves to the state that you have at least the minimum required car insurance coverage.[1] You may need an SR-22 in Alabama if the state requires proof of financial responsibility after a license suspension or revocation.
Before you can regain your driving privileges, your insurer will need to file the certificate of financial responsibility on your behalf. The insurance company may charge a filing fee, and you may also need to pay the state a license reinstatement fee. If your policy lapses, your insurer will notify the state, which could result in your license being suspended again.
Alabama car insurance requirements include at least $25,000 for bodily injury liability insurance per person, $50,000 per accident, and $25,000 for property damage liability coverage.[2]
SR-22 Insurance | Alabama Requirement |
|---|---|
| Minimum liability limit | 25/50/25 |
| Filing fee | Varies by insurer |
| License reinstatement fee | Suspended/canceled license: $100 Revoked license: $175 For alcohol/drug-related offenses: Suspended/revoked: $275 Additional drug-related fee: $25 Interlock Issuance Fee: $150 Other fees: Fail to surrender license within 30 days: $50 |
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Liability policies average $82/mo. for drivers with an SR-22
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How much is SR-22 insurance in Alabama?
An SR-22 will cause your car insurance premiums to increase because insurers may view you as a high-risk driver. The average cost for insurance with an SR-22 is $82 per month for a liability-only policy and $177 for full coverage, according to Insurify data.
Rates are about 25% higher than what drivers with a clean record pay: $66 for liability coverage and $142 for full coverage.
Factors such as the severity of the traffic violation, your past driving history, and the insurer you choose can affect the cost of coverage. The following table shows the average costs for Alabama drivers with different driving profiles, based on Insurify data.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $66 | $142 |
| With SR-22 | $82 | $177 |
Disclaimer: Table data is based on real-time Alabama quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Alabama
National General has the lowest SR-22 insurance rate in Alabama, with an average monthly cost of $50 for minimum liability coverage. State Farm and USAA also have low-cost coverage.
To find cheap car insurance with an SR-22 requirement in Alabama, compare insurance quotes from multiple insurance companies in the table below.
The below rates in Alabama are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| National General | $50 | $113 |
| Auto-Owners | $55 | $117 |
| Progressive | $55 | $127 |
| State Farm | $55 | $117 |
| USAA | $55 | $117 |
| Allstate | $57 | $125 |
| Country Financial | $60 | $130 |
| Direct Auto | $64 | $138 |
| AssuranceAmerica | $70 | $153 |
| First Acceptance | $72 | $222 |
| Travelers | $75 | $160 |
| The General | $76 | $182 |
| Trexis | $81 | $198 |
| GEICO | $82 | $175 |
| GAINSCO | $86 | $241 |
| Bristol West | $89 | $216 |
| Farmers | $101 | $216 |
| Safeco | $107 | $206 |
| Dairyland | $115 | $277 |
| Root | $140 | $228 |
| Liberty Mutual | $151 | $257 |
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Alabama?
You may need SR-22 insurance in Alabama if the state suspends or revokes your driver’s license or vehicle registration, and the state requires proof of financial responsibility.[3] Common reasons for needing an SR-22 in Alabama include:
A driving under the influence (DUI) conviction
Driving without Alabama’s minimum required insurance
Accumulating 12 or more points on your driving record within two years
Committing serious or repeated traffic offenses, such as reckless driving, that result in license suspension or revocation
How to get SR-22 insurance in Alabama
To get an SR-22 in Alabama, follow these steps:
1. Check your requirements. Review the notice from the Alabama Law Enforcement Agency (ALEA) to confirm that you need an SR-22 and how long you must maintain it.
2. Contact an insurance company. Ask your current insurer whether it handles SR-22 filings. If it doesn’t, compare car insurance quotes from companies that insure high-risk drivers in Alabama.
3. Purchase the required coverage. Buy a policy that meets Alabama’s minimum liability limits: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. You can select higher limits or add comprehensive and collision coverage.
4. Have the insurer file your SR-22. Your insurer will submit the certificate to ALEA to verify your coverage. Many insurers file electronically, sometimes on the day you purchase the policy, but processing can take a few business days. ALEA doesn’t publish a guaranteed processing time.
5. Reinstate your license. Confirm that ALEA received the filing, complete any remaining requirements, and pay the applicable reinstatement fee. Filing an SR-22 doesn’t automatically restore your driving privileges.
6. Maintain continuous coverage. Keep the policy active for the period ALEA specifies, typically three years.[4] If it lapses, your insurer must notify the state, which may suspend your license again.
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How long does Alabama require SR-22 insurance to be on file?
You’ll typically need to maintain an SR-22 for three years. Your requirement may last longer if you commit another serious traffic violation or allow your insurance to lapse within that time frame.
It may be difficult to find an insurance company that offers SR-22 insurance because violations on your driving record make you a higher risk to insure. If you have a current insurer, it may decide to drop you mid-term depending on the violation that led to the SR-22. You can look for high-risk car insurance in Alabama if your insurance company won’t file the form for you.
Alabama doesn’t require FR-44 insurance, a form used in Florida and Virginia for more serious traffic violations. Drivers need higher liability limits with an FR-44 in those two states.
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. Below are answers to some frequently asked questions.
How long do you need to carry SR-22 insurance in Alabama?
You generally need to carry SR-22 insurance for three years. The state may extend your requirement if you commit another serious traffic violation or allow your insurance to lapse within that time frame.
How much does the SR-22 filing fee cost in Alabama?
Each insurance company sets its own filing fee, which can be around $15–$50.
Can you get SR-22 insurance in Alabama with a suspended license?
Yes, you can get SR-22 insurance in Alabama while your driver’s license is suspended. You often need the SR-22 form on file before you can get your license back.[5]
Can you get SR-22 insurance in Alabama if you don’t own a car?
Yes, you can get SR-22 insurance in Alabama even if you don’t own a car. You’ll need to find a car insurance company that offers non-owner SR-22 insurance.
Sources
- Alabama Legislature. "Section 32-7-20 Certificate of Insurance as Proof."
- Alabama Department of Insurance. "Automobile Insurance FAQs."
- Alabama Legislature. "Section 32-7-18 Proof of Financial Responsibility Required Upon Certain Convictions."
- Alabama Legislature. "Section 32-7-31 Duration of Proof; When Proof May Be Cancelled or Returned."
- Alabama Department of Revenue. "Mandatory Liability Insurance."
Methodology
Insurify data scientists analyzed more than 250 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
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Writer: Kim PorterInsurance Writer
Writer: Kim PorterInsurance Writer
Qualifications:
Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
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.