Alabama SR-22 & High-Risk Auto Insurance
Alabama requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowAlabama at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, multiple violations within 12 months, at-fault accidents while uninsured, or license suspensions must file SR-22 proof of financial responsibility with the Alabama Law Enforcement Agency. The state mandates continuous coverage during the entire SR-22 filing period, and any lapse triggers license re-suspension and restarts the 3-year clock.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate Filing
Uninsured Motorist Coverage
Collision and Comprehensive
Cost Overview
$327–$345/mo
Typical monthly rate in Alabama, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- SR-22 duration remaining: some carriers offer better rates in final year of filing requirement
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Hardship Driver License (Class D, limited privileges)
application fee $36.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Alabama after a DUI?
Alabama requires SR-22 filing for 3 years following DUI reinstatement. The 3-year period begins on the date your license is reinstated, not the date of conviction. If your insurance lapses at any point during those 3 years, your license is re-suspended and the entire 3-year requirement starts over from the new reinstatement date.
Which insurance companies offer SR-22 in Alabama?
Non-standard carriers that commonly write SR-22 policies in Alabama include Direct Auto Insurance (with physical locations throughout the state), The General, Acceptance Insurance, and National General. Most major standard carriers like State Farm or GEICO do not offer SR-22 filing for high-risk drivers. You typically need to work with a non-standard or high-risk specialist insurer.
Do I need SR-22 if I get a DUI in another state but live in Alabama?
Yes, Alabama requires SR-22 filing if you are convicted of DUI in another state and hold an Alabama driver's license. Out-of-state convictions are reported through the Interstate Driver's License Compact, and Alabama will suspend your license until you file SR-22 proof of financial responsibility. You must maintain the filing for 3 years from reinstatement regardless of where the conviction occurred.
Coverage Types
SR-22 Insurance
Combines state-required liability coverage with SR-22 certificate filing to the Alabama Law Enforcement Agency. Available through non-standard carriers who specialize in high-risk drivers—not all insurers offer SR-22 services.
Liability Insurance
Covers bodily injury and property damage you cause to others. Alabama's 25/50/25 minimums are among the lowest in the Southeast and inadequate for drivers with previous at-fault accidents or lawsuit exposure.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Optional in Alabama but critical given the state's 14% uninsured driver rate.
Non-Standard Auto Insurance
Policies designed specifically for drivers with DUIs, suspensions, lapses, or multiple violations who cannot qualify for standard carrier rates. Issued by insurers specializing in high-risk profiles.
Full Coverage Insurance
Liability plus comprehensive and collision to cover your own vehicle. Required by lenders if you finance or lease, but dramatically more expensive for high-risk drivers due to elevated deductibles.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident regardless of who caused it. High-risk drivers receive higher deductibles ($1,000+) and pay substantially more per $1,000 of coverage.