Updated: January 30, 2026
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Cincinnati Insurance offers the most affordable car insurance in Alabama if you need an SR-22 and have multiple speeding tickets, at $509 annually for minimum coverage.
SR-22 insurance in Alabama costs $127 monthly on average for minimum coverage and $318 for full coverage.
Alabama requires drivers to carry SR-22 insurance with at least $25,000 in bodily injury coverage per person and $50,000 per accident, plus $25,000 for property damage.
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. Price differences between insurers can be significant for cheaper options for high-risk drivers, making it important to compare SR-22 rates in Alabama carefully.
| AIG | $47 | $149 | -0.4526 |
| Cincinnati Insurance | $73 | $229 | -0.1548 |
| Travelers | $85 | $161 | -0.3095 |
| Country Financial | $100 | $165 | -0.2577 |
| Safeway Insurance | $120 | $191 | -0.1282 |
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.
| Drivers With Multiple Speeding Tickets | Cincinnati Insurance | $42 | $130 |
| Drivers With Other Violations | Cincinnati Insurance | $44 | $131 |
| Most Drivers Needing a SR-22 | AIG | $47 | $149 |
| Young Drivers With a Suspension | AIG | $52 | $164 |
| Drivers With Racing Violation | AIG | $53 | $165 |
| Drivers With Hit-And-Run Accident | AIG | $54 | $167 |
| Senior Drivers With a Suspension | AIG | $59 | $162 |
* 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.
| Birmingham | AIG | $46 |
| Chunchula | AIG | $48 |
| Huntsville | AIG | $48 |
| Mobile | Travelers | $87 |
| Montgomery | AIG | $45 |
| Phenix City | AIG | $45 |
| Rainsville | AIG | $29 |
* 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.
| Cincinnati Insurance | $21 | $250 | -81% | $-1,095 |
| Auto Owners | $34 | $410 | -70% | $-936 |
| Travelers | $40 | $481 | -64% | $-864 |
| Country Financial | $64 | $769 | -43% | $-576 |
| Progressive | $85 | $1,017 | -24% | $-328 |
| Farmers | $115 | $1,381 | 3% | $36 |
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.
In Alabama, drivers who file for an SR-22 usually pay a fee between $15 and $25. This cost is separate from your minimum coverage premium.
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:
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:
Drivers with serious traffic offenses are considered high-risk and required to file an SR-22 to prove financial responsibility. Non-owner insurance meets this requirement without car ownership.
Drivers with repeat offenses must file an SR-22 as proof of insurance. Non-owner insurance ensures continuous coverage to maintain driver's license status.
Driving without insurance requires filing an SR-22. Non-owner insurance is an affordable way to meet this requirement and avoid future penalties for uninsured driving.
Drivers need to file an SR-22 after reinstating their license. Non-owner insurance shows proof of insurance for those without a vehicle.
Some states require an SR-22 filing for nonpayment of child support. Non-owner insurance meets this requirement, allowing those without a car to regain driving privileges.
Beyond carrying an SR-22 for three years to meet Alabama's minimum coverage requirements, you'll follow these rules:
Alabama drivers with serious violations like driving without a license or reckless driving need an SR-22. Skip the filing and you'll face penalties, including losing your license. Here's how to file:
Call your insurer and ask them to file the SR-22. They already have your policy information and can attach the form to your coverage.
Need insurance with an SR-22? Make sure your policy meets state minimums. Your insurer can bump up your coverage if needed.
Insurers charge a filing fee, usually $15 to $25. The exact amount depends on your company.
Your insurer handles the SR-22 filing once you pay. Double-check that they've submitted everything correctly and on time.
Keep your insurance active to avoid legal problems and penalties. Stay in touch with your insurer to confirm your SR-22 stays valid for three years.
High-risk drivers with violations on their record may opt for nonstandard auto insurance. Although it typically costs more than standard policies, it provides coverage for those who might have difficulty securing insurance elsewhere.
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:
Tip | Description |
|---|---|
Complete DUI classes or programs | Enrolling in state-approved DUI programs shows a commitment to safer driving and may lead to lower premiums from some insurers. |
Look for discounts | Even after a DUI, you may still qualify for discounts. Ask your insurer about bundling policies or savings for completing driving courses, installing safety features, paying in full or using electronic billing. |
Compare quotes | Since some insurers don’t offer SR-22 insurance, premiums can be higher due to limited options. To find more affordable coverage, compare auto insurance quotes from multiple providers. |
Check for high-risk programs | Some insurance providers offer programs for high-risk drivers, which can help you find better rates. |
Adjust your coverage | Adjust your coverage to match your needs and budget. To lower your premiums, choose a higher deductible or reduce optional coverages. |
Consider non-owner SR-22 insurance | If you don’t own a vehicle, non-owner SR-22 insurance may be a more affordable way to meet state requirements. |
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:
AIG offers the cheapest SR-22 car insurance in Alabama, with an average monthly minimum coverage rate of $47. Cincinnati Insurance and Country Financial are also affordable options.
Filing an SR-22 increases car insurance rates in Alabama by $28 monthly. On average, SR-22 drivers pay $69 for minimum coverage, while those with clean records pay $41.
Alabama requires an SR-22 for three to five years, depending on your violation. You need continuous coverage the entire time. Let your insurance lapse and the clock resets, costing you more money and suspending your license.
An SR-22 is not insurance; it's a form that proves you have the state's minimum coverage. Alabama requires it for drivers with certain violations to reinstate their licenses. Since those who file are considered high-risk, their insurance premiums are often higher.
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:
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:
Full coverage policy limits (with $1,000 deductible):
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
