Cheapest SR-22 Car Insurance in Alabama (2024)


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ByMark Fitzpatrick
Edited byScott Strandberg
ByMark Fitzpatrick
Edited byScott Strandberg

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconCheapest SR-22 InsuranceAlabama
2024

Why Trust MoneyGeek? Our team obtained data from the Alabama Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

31,680Quotes Analyzed
 
11Companies Compared

Cheapest Companies for SR-22 Car Insurance 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:

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
State FarmAnnual Premium$410Monthly Premium$34
Country FinancialAnnual Premium$471Monthly Premium$39
Cincinnati InsuranceAnnual Premium$492Monthly Premium$41
AllstateAnnual Premium$548Monthly Premium$46
TravelersAnnual Premium$602Monthly Premium$50
ProgressiveAnnual Premium$620Monthly Premium$52
NationwideAnnual Premium$676Monthly Premium$56
FarmersAnnual Premium$686Monthly Premium$57
GEICOAnnual Premium$896Monthly Premium$75
Auto-Owners Insurance CoAnnual Premium$896Monthly Premium$75
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What Is SR-22 in Alabama?

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.

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MONEYGEEK EXPERT TIP

Upon fulfilling the obligations of your financial responsibility requirement in Alabama, your insurance company is responsible for filing a Financial Responsibility Cancellation Form. This form signifies that you have completed the necessary terms and are no longer obligated to maintain the specific financial responsibility filing, such as an SR-22.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Alabama

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

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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
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
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner auto insurance provides coverage for third-party bodily injuries and property damage. It doesn’t cover your vehicle or injuries to you or your passengers. The cost of non-owner liability insurance is often lower than standard auto insurance. To help you find the best deals, MoneyGeek looked into the cheapest non-owner car insurance options in Alabama.

Average Cost of SR-22 Car Insurance in Alabama

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
At-Fault AccidentAnnual Premium$555Monthly Premium$46
DUIAnnual Premium$630Monthly Premium$52
TicketAnnual Premium$445Monthly Premium$37
CleanAnnual Premium$359Monthly Premium$30
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MONEYGEEK EXPERT TIP

Remember to compare insurance rates every year or when renewing your SR-22 coverage in Alabama. It helps you find the cheapest price and make sure you're getting a good deal. Keep checking your options to stay responsible and save money.

How SR-22 Affects Car Insurance Rates in Alabama

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.

Car Insurance Rate Comparison Based on Driving Records in Alabama

carInsurance
Clean Driving Record

Annual Premium

$365
accident2
After a DUI

Annual Premium

$630
Car insurance premiums after a DUI are on average:$265 more

This is 73% more expensive.

Other Effects of SR-22 on Car Insurance in Alabama

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.

1
Limited insurance options

Most companies view you as a risky driver to insure if you have an SR-22. The number of insurance companies willing to insure you will likely be fewer than drivers without high-risk offenses.

2
Length of required filing

You must keep an SR-22 in Alabama for at least 36 months. If you had a lapse in coverage or were found guilty of a very serious offense, such as being at fault in a fatal accident, the period might be as long as five years.

3
Higher liability coverage limits

If you require an SR-22, your liability coverage limits may be increased in some states. Fortunately, this is not the case in Alabama. The following liability coverage limits are still required:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
4
Higher premiums

You should anticipate paying more than someone with a clean record for insurance if you require an SR-22 because you are statistically more likely to submit a claim than the average driver.

5
Possible policy cancellation

If you commit violations that require an SR-22 form, your current insurer may choose to cancel the remainder of your policy.

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How to Get SR-22 Insurance in Alabama

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.

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ALABAMA LICENSE REINSTATEMENT FEE

In Alabama, the license reinstatement fee after an SR-22 varies depending on the number of suspensions. The cost is $200 for the first suspension and $400 for the second and subsequent suspensions. It's important to note that these fees are subject to change, so it's always best to check with your local DMV for the most up-to-date information.

How to Get Cheaper Car Insurance in Alabama After a DUI

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.

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    Shop around

    Shopping around for car insurance after a DUI can help you find the best deal. Different insurance providers have different underwriting criteria and risk assessments, which means that the premiums you're offered can vary significantly. You may be able to save money by comparing quotes from several providers and choosing the one that offers the most affordable coverage.

    car icon

    Complete DUI classes or programs

    Some states require drivers convicted of a DUI to complete DUI classes or programs before they can get their license reinstated. These classes can help you learn strategies for avoiding drunk driving in the future and may demonstrate to insurers that you're committed to being a safer driver. Completing a DUI program could make you eligible for lower insurance rates.

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    Look for discounts

    Many car insurance providers offer discounts to policyholders who meet certain criteria. For example, you may be able to get a discount if you take a defensive driving course, install a tracking device in your car or maintain a good driving record. Check with your insurer to see if there are any discounts you're eligible for.

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    Practice safe driving

    One of the most effective ways to get cheaper car insurance after a DUI is to practice safe driving. Avoid getting any more traffic violations, including speeding tickets or reckless driving, and follow all traffic laws. Safe driving habits can demonstrate to insurers that you're a responsible driver, which can result in lower premiums.

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    Shop around periodically for new policies

    Even after you've found an affordable car insurance policy, it's a good idea to shop around periodically to see if you can find a better deal. As your driving record improves and you demonstrate a commitment to safe driving habits, you may become eligible for lower rates with other insurance providers.

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MONEYGEEK EXPERT TIP

Non-standard auto insurance is an insurance product worth considering for high-risk drivers. This type of insurance is specifically designed for drivers with a history of accidents, DUI convictions or other high-risk factors. Nonstandard auto insurance typically offers higher rates than standard insurance, but it can be a good option for those with difficulty finding coverage elsewhere.

Frequently Asked Questions About SR-22 Insurance in Alabama

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

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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.