Cheapest SR-22 Car Insurance in Alabama

AIG offers Alabama's cheapest SR-22 insurance at $559 for minimum coverage and $1,786 for full coverage. Its minimum coverage rate is $970 below the state average of $1,529, or around 45% cheaper.

Allstate, the most expensive on our list, costs $1,535 for minimum coverage and $976 more than AIG. Alabama shows moderate price variation among carriers, but AIG's rates excel for drivers needing SR-22 certification.

The table shows the top five companies with the lowest SR-22 insurance rates in Alabama.

AIG and Cincinnati Insurance most frequently rank as the lowest-cost SR-22 carriers across categories. The least expensive category is Drivers With Multiple Speeding Tickets, at $509 for minimum coverage SR-22 insurance with Cincinnati Insurance, while the most expensive is Senior Drivers With a Suspension, at $705 with AIG. The $196 spread shows how violation type and age affect Alabama's SR-22 pricing.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Rainsville has Alabama's lowest minimum coverage SR-22 at $352 (AIG), while Mobile averages $1,046 (Travelers). The $694 difference, about 197% higher, reflects urban cost variations across the state. Urban areas with higher traffic density and claim frequency drive up SR-22 insurance costs.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Cincinnati Insurance provides the cheapest non-owner SR-22 insurance in Alabama at $21 monthly or $250 annually. Non-owner car insurance helps drivers with SR-22 filings who don't own a vehicle meet state minimum coverage requirements. The table shows providers offering non-owner SR-22 insurance with average costs for minimum coverage policies.

The average cost of car insurance in Alabama for drivers with an SR-22 is $1,529 annually for minimum coverage, 214% more than the $487 paid by those with clean records.
Full coverage with an SR-22 costs about $3,367 annually — 226% higher than the $1,032 paid by drivers without an SR-22.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is a certification from your insurer that proves you have enough liability insurance. It's required to meet the reinstatement requirements of Alabama's Financial Responsibility law.

Alabama requires drivers to carry an SR-22 for three years after serious traffic violations. This form proves you carry the state's minimum coverage:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

Alabama courts order an SR-22 after serious driving offenses. You'll need one to keep your license or get it back. These violations trigger an SR-22 requirement:

Beyond carrying an SR-22 for three years to meet Alabama's minimum coverage requirements, you'll follow these rules:

• Fees: Pay a fee to regain your driving privileges and file the SR-22 proving you carry liability coverage.
• Insurers' policies: Your current insurer might drop you or refuse to renew after an SR-22 filing. You'll need to shop for a new provider.
• Continuous coverage: Keep coverage active for the entire three-year SR-22 period without gaps. Any lapse triggers penalties or license suspension because your insurer reports coverage gaps to the state.
• Relocation: Moving out of Alabama during your SR-22 period? Work with your insurer to handle out-of-state filing.
• Cancellation: Once you complete the three-year requirement, your insurer files a financial responsibility cancellation with Alabama, confirming you've met the SR-22 obligation.

To reinstate your license after a serious violation and avoid penalties, maintain continuous coverage during the SR-22 period. If you don't have coverage, get an SR-22 insurance quote. Finding coverage with an SR-22 is harder than for drivers with clean records, as some insurers cancel or deny policies. Costs range from $200 to $1,500, so finding affordable options is crucial.

High-risk drivers in Alabama face limited options and higher premiums, as fewer insurers provide coverage. When requesting an SR-22 insurance quote, ask your insurer about the exact filing fee if it's your first time. Use these tips to find a cheaper SR-22:

Drivers with severe offenses need an SR-22 to prove minimum coverage in Alabama. For serious or repeat offenses, keep this form for over three years. While SR-22 rates are usually higher, cheap car insurance providers in Alabama are available for SR-22 drivers.

Below are frequently asked questions about SR-22 certifications in Alabama:

Alabama drivers with serious violations need SR-22 insurance to reinstate their licenses, but finding affordable coverage proves difficult. We analyzed 127,836 quotes from nine companies across 258 ZIP codes to show you which insurers offer the best rates for high-risk drivers.

Sample Driver Profile

Our baseline comparison uses a typical high-risk Alabama driver:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels Analyzed

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their needs.

Alabama's minimum coverage requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage policy limits (with $1,000 deductible):

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.