Cheapest SR-22 Car Insurance in Alabama (2024)

The cheapest SR-22 provider in Alabama for both full and minimum coverage is State Farm. For drivers who don’t own vehicles, Auto-Owners offers the cheapest widely available SR-22 car insurance.

You may need to file an SR-22 in Alabama after committing a serious driving offense like a DUI. Although the SR-22 form itself does not affect rates, most violations requiring an SR-22 will significantly increase your premiums. Whether you own a car or not, there are affordable car insurance options in Alabama.

The two cheapest SR-22 auto insurance providers in Alabama offering a minimum coverage policy for motorists with DUIs on their records are:

• State Farm: $410 per year
• Country Financial: $471 per year

The most affordable full coverage SR-22 policies in Alabama come from:

• State Farm: $953 per year
• Allstate: $1,022 per year

Auto insurance premiums often increase following a driving offense because insurance companies view you as high-risk and more likely to file claims. If you're looking for affordable SR-22 car insurance in Alabama, here are a few of the best options, with rates ranging from $410 to $896 per year.

You may be obliged to file an SR-22 — a mandated certificate of financial responsibility — after committing certain traffic violations. Although state regulations differ, many situations where you'll need an SR-22 are consistent nationwide. Here are some of the typical situations that require it:

• DUI, DWI or other severe driving offenses
• Several driving violations in a short period of time
• Driving without insurance
• Being in an accident without adequate insurance
• Restoring a suspended or revoked license

In Alabama, SR-22 must be kept on file for at least three years, and renewals must be done at least 15 days before expiration. The duration may vary based on the offense severity, with repeated infractions leading to longer requirements.

Alabama law mandates that your auto insurance provider electronically file an SR-22 form on your behalf. MoneyGeek can help you understand SR-22 car insurance.

The following widely available insurers provide the cheapest SR-22 non-owner car insurance in Alabama:

• Auto-Owners: $443 per year
• GEICO: $445 per year

If you have a military affiliation, USAA provides an even more affordable option, averaging $401 per year in Alabama.

Non-owner drivers may be required to file an SR-22 if their license was suspended or revoked or if they were convicted of a DUI or other serious traffic violation. Non-owner car insurance can help you get your license back and stay on the road legally. We've compared rates from a variety of non-owner SR-22 car insurance providers in Alabama, and here are the most affordable options with rates ranging from $443 to $1,118 per year.

For a driver with a DUI, the average yearly cost of SR-22 insurance in Alabama is $630 for minimum coverage and $1,451 for full coverage. Remember that even relatively minor offenses like speeding and at-fault accidents may necessitate filing this document and drive up your car insurance premium.

Alabama drivers who must file an SR-22 can anticipate their premium to increase by $265 on average. However, your premiums can also change based on other variables like offense severity, coverage levels and driving history.

Driving without adequate insurance, failing to make court-ordered child support payments, hardship licenses, DUI/DWI and repeated traffic violations are some of the more common reasons for needing to file an SR-22.

In addition to the higher premiums, filing an SR-22 in Alabama might have other effects on your insurance. The following is a list of possible consequences of needing to file this document.

To obtain car insurance after a violation, you typically need to follow these steps:

• Search for an insurance provider that offers coverage to drivers with violations on their record.
• Purchase an insurance policy that meets Alabama's minimum liability requirements.
• Request your insurance company to file an SR-22 form on your behalf, which serves as proof of financial responsibility.
• Ensure you pay any required fees and keep the SR-22 form up to date.

This process allows you to demonstrate to the relevant authorities that you are taking responsibility for your driving history and have adequate insurance coverage.

Getting insured after a DUI conviction will cost more due to the higher risk you pose to the insurer. However, it's still possible to get cheaper car insurance by comparing quotes from different providers and meeting specific conditions, such as attending alcohol education programs. Even though it may be more expensive, having auto insurance is crucial to protect yourself and others on the road.

MoneyGeek answered some of the commonly asked questions related to SR-22 car insurance in Alabama.