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Alabama SR-22

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Alabama drivers who have their license suspended following a major traffic offense may be required to purchase SR-22 insurance. SR-22 insurance is not really an insurance policy, but rather a form that proves you carry the minimum amount of car insurance required in the state.

Some states use SR-22 alternatives to verify proof of insurance for high-risk drivers. In Alabama, the SR-22 is used. Regardless of where you live, having an SR-22 on your record will likely impact the cost of your car insurance, due mostly to the driving incident that caused the need for the SR-22.

What is “SR-22 insurance?”

An SR-22 is not a type of insurance; it’s a form that car insurance companies file on behalf of policyholders to prove to the state that they have the minimum required coverage types and limits. An SR-22 does not provide any insurance coverage and does replace a traditional car insurance policy, but if you have been convicted of a serious traffic violation — like drunk driving, reckless driving or driving without insurance — you might have to file an SR-22 certificate.

In order to file an SR-22 in Alabama, you must have an active car insurance policy that meets or exceeds the state’s minimum coverage requirement, which is represented as 25/50/25. Minimum coverage insurance in Alabama means you have to buy at least the following coverage types and levels:

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

Not all insurance providers in Alabama sell SR-22 insurance. Even some of the best Alabama car insurance companies aren’t set up to insure high-risk drivers. If you need to get an SR-22, you might want to start by seeing if your current carrier will file the form. If not, you can shop around. You may want to look for insurance providers that specialize in non-standard insurance coverage. If you find a carrier that will file the form, you might need to switch auto insurance companies. Another bonus of shopping around is that you’ll get to see the rates from a few different providers, which might help you find the cheapest insurance in Alabama for your situation.

SR-22 Alabama alternatives

Alabama uses the SR-22 form to verify car insurance coverage for high-risk drivers. However, other states may use an SR-22 alternative, depending on the type of violation and how it affects the driver’s insurance requirements. The table below includes several common SR-22 alternatives that are used in other states:

Form States issued Required insurance minimums
SR-22 Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania) State minimum
SR-19 California, Texas Uninsured motorist coverage
SR-21 Florida, Hawaii State minimum
SR-22A Georgia, Texas, Missouri State minimum or more, pre-paid
FR-44 Florida, Virginia Higher than state minimum (up to double)
FR-19 Maryland State minimum
SR-50 Indiana State minimum
  • SR-19: In California and Texas, drivers are required to file an SR-19 form if they get into an accident with an uninsured driver.
  • SR-21: The SR-21 form is used to verify that a driver held the necessary insurance coverage at the time of an accident or ticket.
  • SR-22A: An SR-22A serves much the same purpose as an SR-22 but proves that the driver has paid in full for their auto insurance coverage for an extended period of time.
  • FR-44: FR-44 forms require drivers to carry more liability coverage than what is typically required with a minimum coverage policy in the state.
  • FR-19: Maryland is the only state that uses the FR-19 form, which verifies coverage for 30 days.
  • SR-50: In Indiana, the SR-50 is used to verify a driver’s car insurance information at a date in the past.

Non-owner SR-22

Alabama drivers who get pulled over for a serious traffic violation but don’t own their own vehicle may still need to file an SR-22 to reinstate their driving privileges. To do this, you probably need to purchase a non-owner car insurance policy, which can provide the necessary car insurance coverage even if you don’t have a car to insure. You’ll need to request that your car insurance company file the SR-22 form, just like you would if you were insuring a vehicle.

SR-22 Alabama insurance costs

There are a number of fees associated with SR-22 insurance in Alabama. You will need to pay any ticket costs and court expenses associated with the violation and pay the $100 license reinstatement fee. You will also likely need to pay an SR-22 filing fee to your insurance company. Usually, this isn’t too high.

However, having an SR-22 on your record will still have a significant impact on your car insurance rate, even though the form itself doesn’t cost much to file. Whatever driving violation led to the SR-22 requirement will likely increase your premium substantially. The increase you see will vary based on the state you live in, the type of car you drive and your past driving history. If you need to find cheaper car insurance after an SR-22 filing, you may be able to get rates from other companies that will write policies for high-risk drivers.

Frequently asked questions

How long do I need an SR-22 in Alabama?

If you need an SR-22 in Alabama, the certificate will likely be required for several years. In most states, an SR-22 is needed for anywhere from three to five years, but it depends on the type of offense and the number of offenses the driver has committed.

How do I get SR-22 insurance in Alabama?

To get SR-22 insurance in Alabama, you may want to start by contacting your car insurance carrier and seeing if they will provide an SR-22 certificate. If not, shopping for carriers in your area that specialize in non-standard insurance may be your best option. Once you find a provider, they will ask you to fill out some paperwork and pay a filing fee. From there, the carrier will file the SR-22 form on your behalf with the state.

How much does Alabama SR-22 insurance cost?

The filing fee for the SR-22 itself is usually relatively now. Because SR-22 insurance is not a true insurance policy, you will not pay a monthly premium, and personal factors like your state, age and credit score will not affect the price. However, the driving infraction that led to you needing the SR-22 filing will likely increase your premium.

What is the average cost of car insurance in Alabama?

In Alabama, the average cost of car insurance is $1,623 per year for a full coverage policy and $469 per year for a minimum coverage policy. Alabama drivers pay slightly less than the national average rate, which is $565 for minimum coverage and $1,674 for full coverage.

What is the best car insurance company in Alabama?

The best car insurance company in Alabama is different for every driver. Some people may be looking for the cheapest car insurance carrier, others could be looking for the best customer service and still others might want a specific coverage type. To find the best company for your needs you could shop around, compare providers and get multiple quotes to see which car insurance provider can offer the lowest rate for the coverage you need.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Insurance Writer & Editor