Cheapest SR-22 Car Insurance in Alabama

State Farm offers the cheapest SR-22 insurance in Alabama at $36 monthly for minimum coverage, about 48% lower than the state average of $69. COUNTRY Financial is the most affordable for full coverage at $83.

Auto-Owners provides the cheapest non-owner SR-22 insurance in Alabama at $37 monthly or $443 annually. Non-owner car insurance is crucial for drivers with SR-22 filings who don't own a vehicle, as it helps meet state minimum coverage requirements.

Below is a table of providers offering non-owner SR-22 insurance with average costs for minimum coverage policies.

The average cost of car insurance in Alabama for drivers with an SR-22 is $829 annually for minimum coverage, 71% more than the $487 paid by those with clean records. 

Full coverage with an SR-22 costs about $1,743 annually — 69% higher than the $1,032 paid by drivers without an SR-22.

An SR-22 form alone doesn’t raise your insurance rates. The cost depends on your violation type. Compare SR-22 insurance prices for common violations across age groups in Alabama in the table below.

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.

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.

In Alabama, drivers must file an SR-22 for three years after serious traffic violations. The form proves they meet the state’s minimum coverage requirements. To comply with SR-22 laws, drivers must meet the following requirements:

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

In Alabama, an SR-22 is required for serious driving offenses to keep or reinstate your license. Drivers who have committed the following violations are most likely to be ordered by the court to file an SR-22:

In Alabama, SR-22 certificates are usually required for three to five years, depending on the violation. The period can extend to five to 10 years for second and third convictions.

Along with using an SR-22 for three years to comply with Alabama's minimum coverage requirements, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Alabama during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

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 can be harder than for drivers with clean records, as some insurers may cancel or deny policies. Costs range from $200 to $1,500, so finding affordable options is essential.

High-risk drivers in Alabama may face limited options and higher premiums, as fewer insurers are willing to 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:

Non-owner insurance is for those who drive frequently but don’t own a vehicle. It ensures you're covered when driving someone else's car. Non-owner policies are great for those who rent cars or drive for rideshare services. They cover third-party injuries or property damage if you're at fault. 

Non-owner car insurance is often more affordable than standard policies. To find the best rates, compare quotes from multiple insurers. After purchasing a non-owner policy, your insurer can file an SR-22 form to comply with state law and help reinstate your license after the three-year period.

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:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for drivers of various profiles and needs in Alabama.

Alabama Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Alabama’s minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.