Alabama SR-22 Insurance: What It Is and How Much It Costs

Drivers in Alabama who have committed a high-risk traffic offense — like reckless driving or a DUI — need an SR-22 form filed by their car insurance provider confirming that their insurance meets Alabama’s minimum auto insurance requirements. SR-22 insurance is the same as standard car insurance, but the driving violation makes its cost more expensive. In this state, the most affordable SR-22 insurance provider for most people is Allstate, with an average premium of $659 per year.


Which Alabama Insurance Companies Offer the Cheapest SR-22 Insurance?

The severity of the driving violation makes SR-22 insurance more expensive than a standard policy. You can file an SR-22 form for a small fee, but associated offenses like a DUI will increase your car insurance prices. Minimum SR-22 coverage in Alabama costs around $1,002 annually for a DUI. In contrast, those without any violations need to pay only $585 per year on average for a state-minimum policy.

Drivers looking for cheap SR-22 insurance in Alabama may find USAA to be the best option, as its coverage costs just $574 annually on average. But this company’s services are only available to military members and their families. The next cheapest carrier is Allstate, with an average premium of $659 per year. On the other hand, the most expensive provider in Alabama for minimum SR-22 coverage is MetLife, with an average yearly rate of $2,481.

Cheapest Companies for SR-22 Insurance in Alabama

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In this table, you can see average rates for a policy meeting Alabama’s minimum auto insurance requirements and those for a full-coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 for injuries per accident and $100,000 in property damage costs. Average insurance prices can differ widely between various companies. For an SR-22 filing in Alabama, it’s smart to compare at least three providers’ quotes to get the cheapest coverage.

Key Takeaways


The filing cost for SR-22 insurance is typically a one-time fee of about $25.


Drivers with SR-22 insurance usually do not qualify for “good driver” discounts.


Rates may differ depending on the severity of your offense, with serious violations like a hit-and-run resulting in higher premiums.

What Is SR-22 Insurance in Alabama? Who Needs It? How Do You Get It?

SR-22 is not an insurance policy — it’s a form submitted by your car insurance provider to the government certifying that you meet the state’s minimum liability coverage requirements. Drivers convicted of a serious traffic offense, like reckless driving or a DUI, need to file an SR-22 form. Insurance after committing a DUI can be costly. In Alabama, car insurance companies need to file the SR-22 form digitally. Check with your insurer to see if they can do this on your behalf.

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Drivers convicted of a serious traffic violation need to file an SR-22 to prove they meet Alabama’s minimum car insurance requirements. These requirements include:

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

Who Needs SR-22 Insurance in Alabama? And for How Long Do They Need It?

Offenses that lead to an SR-22 insurance requirement vary from state to state. In Alabama, you will need to file for SR-22 coverage if you commit one of these severe violations:

  • Reckless driving
  • DUI
  • Driving with a suspended license
  • Driving without insurance coverage

An SR-22 is typically not needed for a minor offense. Alabama drivers looking for insurance after an accident or ticket should ideally shop around to obtain the lowest possible prices but won’t generally need to pay the high costs associated with SR-22 coverage.

How long you need SR-22 insurance in Alabama depends on your violation, but it is three years in most cases. If your license is revoked temporarily after an offense, the three-year period begins after your license is reinstated.

How Do You Get SR-22 Insurance in Alabama?

Your insurance provider will file an SR-22 form with the state on your behalf. Because your traffic violation marks you as a high-risk driver, an insurer may not agree to cover you. Even if you manage to get insurance coverage, your rates may be much higher than before your conviction.


Non-Owner SR-22 Insurance in Alabama

Receiving a major driving violation can lead to a suspended driver’s license. To get reinstated, drivers may need to file an SR-22 to prove they’ve purchased insurance even if they don’t own a car.

The best solution for this in Alabama is non-owner car insurance. These policies are more affordable than the typical car insurance option and better suit individuals who need to verify they have liability insurance coverage in order to get a license or who often drive cars that are not their own, such as rented or borrowed cars.

While the average cost of non-owner car insurance in Alabama is $714 per year, rates can vary greatly between companies. The cheapest insurer in Alabama for SR-22 filers is GEICO, with rates that average $294 per year. This is followed by USAA, offering non-owner car insurance at an average of $341 per year. However, USAA's policies are only available for military members and their families.

The Average Cost of Non-Owner SR-22 Car Insurance in Alabama

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MoneyGeek gathered rates on non-owner car insurance based on a sample driver profile with a DUI on their record looking for a policy in Alabama with $50,000 in bodily injury liability per person, up to $100,000 per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Alabama

To help drivers looking for SR-22 insurance in Alabama, here are the answers to some of the most commonly asked questions about this form of coverage.

Read More About Car Insurance


MoneyGeek analyzed car insurance premiums from 11 of the top insurance companies in Alabama that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Alabama. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.