Cheapest SR-22 Car Insurance in Alabama (2024)


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Updated: September 13, 2024

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An SR-22 is a certificate of financial responsibility, not an actual insurance policy. It's filed by individuals in Alabama who need to reinstate their driving privileges after serious violations like DUI or driving without insurance.

While the SR-22 itself doesn't affect your rates, the violations that necessitate it can lead to higher premiums for minimum coverage auto insurance. State Farm offers the cheapest plan at $393 per year, followed by Country Financial with a rate of $472 per year for drivers requiring an SR-22.

For those who don't own a car but still need to file an SR-22, Auto-Owners provides an affordable option at $443 per year, and GEICO comes in close with a yearly rate of $445.

MoneyGeek Logo IconCheapest SR-22 InsuranceAlabama
2024

Why Trust MoneyGeek? Our team gathered information from the Alabama Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to identify cost-effective SR-22 insurance providers for different driver profiles in Alabama.

31,680Quotes Analyzed
 
11Companies Compared
 
45ZIP Codes

Cheapest Companies for SR-22 Car Insurance in Alabama

The cheapest companies for state minimum coverage SR-22 car insurance in Alabama are:

  • State Farm: $33 per month, $393 per year
  • Country Financial: $39 per month, $472 per year

The least expensive providers for full coverage car insurance SR-22 in Alabama are:

  • Country Financial: $79 per month, $942 per year
  • State Farm: $81 per month, $966 per year

After a moving violation, expect to pay more for car insurance as you're seen as a high-risk driver. Still, you can find cheap SR-22 car insurance by comparing quotes from various insurers. Searching for the cheapest provider in Alabama is essential for your finances, especially when you need to maintain minimum coverage auto insurance with an SR-22 form.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
State FarmAnnual Premium$393Monthly Premium$33
Country FinancialAnnual Premium$472Monthly Premium$39
Cincinnati InsuranceAnnual Premium$554Monthly Premium$46
TravelersAnnual Premium$633Monthly Premium$53
ProgressiveAnnual Premium$664Monthly Premium$55
AllstateAnnual Premium$878Monthly Premium$73
FarmersAnnual Premium$953Monthly Premium$79
Auto-Owners Insurance CoAnnual Premium$1,037Monthly Premium$86
GEICOAnnual Premium$1,124Monthly Premium$94
NationwideAnnual Premium$1,202Monthly Premium$100
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Cheapest Companies for Non-Owner SR-22 Car Insurance in Alabama

The companies with the cheapest non-owner SR-22 insurance in Alabama are:

  • Auto-Owners: $37 per month, $443 per year
  • GEICO: $37 per month, $445 per year

Non-owner car insurance is designed to provide liability coverage for individuals who need to file an SR-22 but do not own a car. This type of insurance is essential for those who have had their license suspended or revoked or have committed serious traffic violations.

For non-owner drivers, finding the most affordable insurance provider is crucial since it offers the necessary coverage without the cost of insuring a personal vehicle.

Auto-Owners Insurance CoAnnual Premium$443Monthly Premium$37
GEICOAnnual Premium$445Monthly Premium$37
TravelersAnnual Premium$554Monthly Premium$46
NationwideAnnual Premium$835Monthly Premium$70
FarmersAnnual Premium$855Monthly Premium$71
ProgressiveAnnual Premium$1,017Monthly Premium$85
State FarmAnnual Premium$1,118Monthly Premium$93
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for individuals who drive frequently but do not own a vehicle, such as those who drive rental cars or work as rideshare drivers.

This coverage will cover third-party bodily injury and property damage if you are at fault in an accident. Non-owner vehicle insurance in Alabama is usually cheaper than standard insurance. Comparing quotes from several insurers can help you find the most reasonable rates.

What Is SR-22 in Alabama?

An SR-22 is a certificate that your insurer files with Alabama to prove you have the minimum car insurance requirements. It's not an insurance policy but a form that shows you carry the state minimum coverage. If you've had a DUI, serious traffic violation, or need to reinstate your license, you'll need an SR-22 for three years. Insurance providers in Alabama must inform the state's Public Safety Department if your SR-22 is canceled, terminated, or lapsed.

The minimum coverage amounts in Alabama are as follows:

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

If you don't own a vehicle but still need to meet these requirements, you'll be asked to get SR-22 non-owner car insurance. Remember, an insurance policy card is not a replacement for an SR-22.

Who Needs an SR-22 in Alabama

Drivers in Alabama who've faced serious driving violations may need to file an SR-22. This form proves you have minimum coverage auto insurance, which is vital to keep your driver's license active. If you've had a DUI, driven without insurance, or other major traffic issues, you'll likely need an SR-22.

Below, we'll list the specific convictions that require an SR-22, ensuring you know when this step is necessary to stay on the road legally.

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    DUI/DWI

    Driving under the influence (DUI) or while intoxicated (DWI) in Alabama requires SR-22 for reinstating driving rights.

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    Driving Without Insurance

    If you get caught driving without minimum coverage and can't provide proof of auto insurance in Alabama, you will need SR-22 documentation.

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    Serious Traffic Offenses

    Major traffic violations in Alabama, such as reckless driving, can trigger the requirement for an SR-22 form.

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    License Suspension Reinstatement

    To reinstate a suspended license in Alabama, SR-22 insurance proof is often necessary for legal driving.

How an SR-22 Impacts Your Car Insurance in Alabama

An SR-22 in Alabama can lead to higher insurance rates and fewer choices for minimum coverage. Worse, you might find your coverage denied or your policy canceled after filing for an SR-22. It's important to keep your insurance active without breaks. Any gap could mean you start over with the SR-22 requirement, which lasts in Alabama for typically three years.

Knowing the fallout of not filing an SR-22 can save you from unexpected costs and legal trouble.

Below is the list of how an SR-22 negatively impacts your car insurance in Alabama:

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    Limited number of insurance options

    Drivers may find fewer insurance providers willing to offer coverage due to the high-risk status an SR-22 implies.

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    Possible policy cancellation

    After filing an SR-22, insurers in Alabama might cancel your policy mid-term or choose not to renew it.

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    Long period of required filing

    Alabama requires drivers to maintain SR-22 filing for three years from the date of the qualifying conviction.

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    Filing fees

    A one-time filing fee is charged in Alabama when you file an SR-22; the amount varies by insurer.

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WHAT TO DO IF NO ONE WILL INSURE YOU

High-risk drivers with violations on their records may find non-standard auto insurance a viable choice. Although this type of policy often costs more than standard insurance, it offers a solution for those who have trouble finding coverage due to their driving history.

Average Cost of SR-22 Car Insurance in Alabama

The average cost of SR-22 car insurance in Alabama for drivers with a DUI is $1,706 annually for full coverage and $791 for state minimum coverage. In comparison, drivers with a clean record pay $1,005 for full coverage and $455 for state minimum coverage. This highlights the financial impact of a DUI on insurance costs.

The severity of your offense significantly affects your premiums. It's not the SR-22 certificate that raises your rates but the violations associated with it. If you're a repeat offender or have a severe violation, your insurer might not renew your policy or could increase your rates at renewal.

An SR-22 certificate typically lasts for three years. During this period, you must maintain the state's minimum liability coverage of 25/50/25. Ensuring continuous coverage is crucial to avoid further penalties or lapses in your insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
CleanAnnual Premium$455Monthly Premium$38
Speeding TicketAnnual Premium$551Monthly Premium$46
At-fault AccidentAnnual Premium$694Monthly Premium$58
DUIAnnual Premium$791Monthly Premium$66

How to Get SR-22 Car Insurance in Alabama

Securing an SR-22 in Alabama is a critical step for drivers reinstating their privileges post-serious traffic violations. Without it, you risk further suspension and legal repercussions. Minimum coverage must meet 25/50/25 liability limits. Here are the steps to file an SR-22 in Alabama:

1
Determine if you need an SR-22

If you've committed a DUI, DWI, were caught driving without insurance, or have serious traffic offenses in Alabama, you may be required to file an SR-22 to prove you have the state minimum coverage.

2
Contact your insurance provider

Reach out to your current insurance company to request an SR-22 filing. If your provider does not file SR-22s or you are not insured, you'll need to find an insurer who will file on your behalf.

3
Review your coverage

Ensure your policy meets Alabama's minimum liability coverage requirements of 25/50/25 to comply with the SR-22 terms.

4
Pay the SR-22 filing fee

The filing fee for an SR-22 in Alabama typically ranges from $15 to $25. This fee is separate from your insurance premium and must be paid for the filing process to begin.

5
Submit the SR-22 form

Your insurer will complete and submit the SR-22 form to Alabama's Department of Public Safety. The filing process may take a few days to be processed.

6
Confirm filing and maintain coverage

Once filed, confirm with your insurer that the SR-22 is on record with the state. You must maintain continuous minimum coverage for three years, or risk license suspension.

If your SR-22 in Alabama lapses, your driving privileges will be re-suspended. You need this form for three years with minimum coverage of 25/50/25. The cost for a new SR-22 varies, but it's necessary to reinstate your license.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

After completing your SR-22 term, your insurance provider will file a financial responsibility cancellation form. This tells Alabama you've met the three-year requirement following certain driving offenses. It's a straightforward step towards normal coverage again.

How to Save on Car Insurance in Alabama After a Violation

A DUI on your record means higher car insurance costs. For example, a 30to 59-year-old with a clean record pays an annual premium of $455. With a DUI, it jumps to $791. However, you can still find affordable car insurance after a DUI. In Alabama, drivers needing an SR-22 can explore options for state minimum coverage.

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    Complete DUI classes or programs

    Enrolling in state-approved DUI programs can demonstrate your commitment to safe driving. This proactive step may positively impact your driving record and can lead to more affordable car insurance rates.

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    Look for discounts

    Even after a DUI, you might still be eligible for certain car insurance discounts. Explore options like bundling policies, installing safety equipment, or insuring multiple vehicles, as well as pay-in-full and electronic billing discounts to find potential savings.

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    Compare auto insurance quotes

    It's essential to compare auto insurance quotes from different providers to find the most affordable state minimum coverage after a DUI. Rates can vary widely, so shop around.

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    Reduce your risk

    Lower your insurance costs by reducing your risk profile. Drive a car with safety features, maintain a clean driving record post-DUI, and consider a higher deductible to potentially decrease your premiums.

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    Reassess your coverage

    Post-DUI, reassess your car insurance needs. If you have an older car, consider if comprehensive or collision coverage is necessary, or if state minimum coverage might be adequate, which can save you money.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in Alabama

Finding affordable SR-22 insurance in Alabama can be challenging. Get answers to your questions about securing the most cost-effective coverage.

What are the cheapest SR-22 car insurance options in Alabama?
How much does filing an SR-22 increase car insurance rates in Alabama, on average?
How long do you need to have an SR-22 in Alabama?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.