- What Is an SR-22 in Alabama?
- Laws Pertaining to SR-22 Insurance in Alabama
- SR22 Insurance Process
- Best SR-22 Insurance Providers in Alabama
- State Insurance Requirements in Alabama
- Alabama Non-Owner SR-22 Insurance: How to Get Coverage Without Owning a Vehicle
- Company Fees for SR-22 Insurance in Alabama
- Which Companies Offer SR-22 Insurance in Alabama?
- Reasons You May be Required to Carry SR-22 Insurance in Alabama
- Rates by Company for Full Coverage SR-22 Insurance in Alabama
- Lowest Priced SR-22 Insurance by City in Alabama
- What We Do at A Plus Insurance
- Frequently Asked Questions About SR-22 Insurance in Alabama
What Is an SR-22 in Alabama?
Need an SR-22 in Alabama? High-risk drivers may be required to file an SR-22 to prove they meet the state’s minimum liability insurance requirements.
An SR-22 isn’t insurance itself—it’s a certificate your insurance company files with the Alabama DMV to confirm you’re meeting coverage requirements. Drivers often need an SR-22 after:
- DUI or DWI convictions
- Reckless driving charges
- Driving without insurance
- Being at fault in an accident without coverage
How Long Do You Need an SR-22 in Alabama?
In most cases, the requirement lasts for three years. During this time, you must maintain continuous insurance coverage. If your policy lapses, your SR-22 period may be extended, and you could face additional penalties or fees.
Birmingham Drivers: Special Considerations
If you’re in Birmingham or another Alabama city, your rates may vary depending on your driving record, insurance provider, and location. Working with an experienced agent can help you find affordable SR-22 insurance tailored to your needs.
Need SR-22 insurance in Alabama? Call us now or request a free quote online to get coverage fast and stay compliant!
Rating Factors That Affect the Cost of SR-22 Insurance in Alabama
Wondering what impacts the cost of SR-22 insurance in Alabama? Several factors play a role in determining your premium. Here’s what you need to know:
- Location: Where you live affects your rates. For example, drivers in urban areas like Birmingham or Mobile may pay more due to higher traffic, accident rates, and theft risks.
- Driving Record: Past violations like DUIs, reckless driving, or accidents will likely raise your premiums. SR-22 filing fees add to the overall cost.
- Age and Gender: Younger drivers, especially teens, usually pay higher rates. Male drivers under 25 often face the steepest premiums.
- Vehicle Type: Driving a high-performance or expensive car? These vehicles often cost more to insure due to repair expenses and theft risks.
- Coverage Limits: Opting for full coverage, including comprehensive and collision, increases costs but provides added protection.
- Credit History: In Alabama, your credit-based insurance score can impact your rates. A higher credit score often means lower premiums.
- Insurance Company: Rates vary widely between insurers. Comparing quotes from companies like Progressive, Dairyland, or National General can help you find affordable options.
- Discounts: Many companies offer discounts for bundling policies, maintaining a clean driving record, or completing defensive driving courses.
| City | Price |
|---|---|
| Daphne | $179 |
| Jasper | $173 |
| Muscle Shoals | $146 |
| Fultondale | $151 |
| Eufaula | $149 |
| Hueytown | $168 |
| Atmore | $175 |
| Jacksonville | $151 |
| Talladega | $174 |
| Northport | $154 |
| Montgomery | $175 |
| Russellville | $171 |
| Homewood | $156 |
| Albertville | $162 |
| Forestdale | $151 |
| Dothan | $163 |
| Fairhope | $178 |
| Saks | $147 |
| Pleasant Grove | $173 |
| Mountain Brook | $177 |
| Rainbow City | $181 |
| Leeds | $160 |
| Clay | $156 |
| Fairfield | $167 |
| Bay Minette | $158 |
| Calera | $167 |
| Millbrook | $177 |
| Tuscaloosa | $165 |
| Gardendale | $171 |
| Selma | $173 |
| Pike Road | $171 |
| Scottsboro | $154 |
| Trussville | $150 |
| Mobile | $170 |
| Valley | $147 |
| Phenix City | $178 |
| Enterprise | $151 |
| Foley | $181 |
| Prichard | $147 |
| Opelika | $175 |
| Oxford | $181 |
| Cullman | $160 |
| Pelham | $172 |
| Decatur | $149 |
| Hoover | $165 |
| Moody | $176 |
| Irondale | $153 |
| Saraland | $173 |
| Alexander City | $159 |
| Pell City | $169 |
| Bessemer | $162 |
| Ozark | $151 |
| Meadowbrook | $161 |
| Gulf Shores | $180 |
| Hartselle | $169 |
| Anniston | $158 |
| Athens | $152 |
| Vestavia Hills | $167 |
| Center Point | $163 |
| Prattville | $150 |
| Auburn | $167 |
| Tillmans Corner | $156 |
| Huntsville | $165 |
| Gadsden | $177 |
| Sylacauga | $178 |
| Madison | $146 |
| Birmingham | $180 |
| Helena | $164 |
| Troy | $172 |
| Alabaster | $162 |
| Fort Payne | $162 |
| Chelsea | $164 |
| Sheffield | $155 |
| Boaz | $149 |
Yes, you can carry SR-22 insurance while having full coverage. The SR-22 is simply a certificate added to your policy, ensuring your insurance company reports your coverage to the state.
Need SR-22 insurance in Alabama? Call us today or get a free quote online to find affordable rates that fit your needs!
Laws Pertaining to SR-22 Insurance in Alabama
Do you need SR-22 insurance in Alabama? If your driving privileges have been suspended or revoked due to serious traffic offenses, Alabama law requires an SR-22 form as proof of financial responsibility. This certificate confirms you carry the state’s minimum required liability insurance.
Key SR-22 Requirements in Alabama:
- Filing is required after serious violations, such as:
- DUI/DWI convictions
- Reckless driving
- Driving without insurance
- Major at-fault accidents
- Minimum liability coverage:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
How Long Is SR-22 Insurance Required?
Most drivers in Alabama must maintain SR-22 insurance for three years. However, the duration may vary depending on the offense or additional court requirements.
What Happens If Coverage Lapses?
Failing to maintain continuous insurance during the required SR-22 period can result in:
- License suspension reinstatement
- Additional fines or penalties
- Extension of the SR-22 filing period
If you’re in Birmingham or another Alabama city, working with an experienced insurance provider ensures you meet these requirements while finding affordable coverage options.
Need SR-22 insurance in Alabama? Call us today or get a free quote online to quickly regain your driving privileges and stay compliant with state laws!
SR22 Insurance Process
01.
Consultation
02.
Quote
03.
Filing
04.
Policy Management
Who Has the Lowest Price on SR-22 Insurance in Alabama by City?
Looking for the cheapest SR-22 insurance in Alabama? Prices vary depending on your city, insurer, and driving history. Here’s a breakdown of which companies offer affordable SR-22 insurance by location:
| City | Price |
|---|---|
| Muscle Shoals | Geico |
| Valley | National General |
| Talladega | Geico |
| Chelsea | Liberty Mutual |
| Huntsville | The General |
| Moody | The General |
| Birmingham | Liberty Mutual |
| Mountain Brook | Progressive |
| Tuscaloosa | Progressive |
| Pelham | The General |
| Troy | The General |
| Pleasant Grove | The General |
| Trussville | Liberty Mutual |
| Dothan | The General |
| Prattville | Geico |
| Bay Minette | Farmers |
| Daphne | Geico |
| Alabaster | Progressive |
| Leeds | Geico |
| Sheffield | Dairyland* |
| Helena | Progressive |
| Gadsden | Bristol West |
| Alexander City | Liberty Mutual |
| Northport | Progressive |
| Saraland | Geico |
| Pell City | Dairyland* |
| Irondale | Bristol West |
| Albertville | Liberty Mutual |
| Vestavia Hills | Progressive |
| Millbrook | Liberty Mutual |
| Hartselle | Progressive |
| Homewood | The General |
| Decatur | Geico |
| Prichard | National General |
| Jacksonville | Geico |
| Gardendale | Progressive |
| Gulf Shores | Progressive |
| Bessemer | Dairyland* |
| Saks | Progressive |
| Meadowbrook | The General |
| Foley | The General |
| Enterprise | The General |
| Russellville | Bristol West |
| Hoover | The General |
| Fairfield | Progressive |
| Atmore | Progressive |
| Fultondale | Progressive |
| Cullman | National General |
| Boaz | Progressive |
| Pike Road | Progressive |
| Calera | Bristol West |
Best SR-22 Insurance Providers in Alabama
When it comes to SR-22 insurance for liability coverage, some insurers consistently provide competitive rates across Alabama:
- Progressive: Known for affordable pricing and flexible coverage options.
- Dairyland: A popular choice for high-risk drivers needing SR-22 filings.
- The General: Offers specialized policies tailored for drivers with violations.
- National General: Provides reasonable rates for SR-22 holders with unique needs.
- Bristol West: Focuses on comprehensive policies that meet Alabama’s SR-22 requirements.
Each insurer uses unique risk assessment models, so prices can vary significantly. Comparing quotes ensures you’ll find the best balance between affordability and coverage.
Tips for Finding Affordable SR-22 Insurance in Alabama
- Compare Multiple Quotes: Prices for SR-22 coverage vary by insurer and city. Check providers like Progressive, Dairyland, and Geico for competitive rates.
- Ask About Discounts: Some insurers offer discounts for bundling policies, completing defensive driving courses, or maintaining continuous coverage.
- Choose the Right Coverage: Opting for liability-only coverage can lower costs, but full coverage offers more protection if you have a newer vehicle.
Need affordable SR-22 insurance in Alabama? Call us now or request a free quote online. Our experts can help you find the lowest rates and ensure compliance with state requirements!
| Company | SR22 Liability (Average) |
|---|---|
| Acceptance RTR | $98.00 |
| Assurance America | $93.00 |
| The General | $115.00 |
| GAINSCO | $71.00 |
| Bristol West | $86.00 |
| Travelers | N/A |
| Mendota Ins. Company | $80.00 |
| National General | $83.00 |
| Safeco | N/A |
| USAA | N/A |
| Geico | $86.00 |
| Nationwide | N/A |
| American Family | N/A |
| State Farm | N/A |
| Liberty Mutual | $97.00 |
| Farmers | $112.00 |
| Allstate | N/A |
| 21st Century | N/A |
State Insurance Requirements in Alabama
| State | State Minimum | PIP? |
|---|---|---|
| Alabama | 25/50/25 | N/A |
Alabama Non-Owner SR-22 Insurance: How to Get Coverage Without Owning a Vehicle
Do you need SR-22 insurance in Alabama but don’t own a car? You can still meet state requirements by getting a non-owner SR-22 insurance policy. Here’s how it works:
What Is Non-Owner SR-22 Insurance?
A non-owner SR-22 policy provides liability coverage for drivers who don’t own a vehicle but still need insurance to drive legally. This coverage applies when you drive a vehicle you don’t own, such as a friend’s or rental car, as long as the vehicle isn’t registered to you or a household member.
How to Get Non-Owner SR-22 Insurance in Alabama:
- Choose a Provider: Contact insurance companies like Progressive, Dairyland, or The General, which specialize in SR-22 filings.
- File the SR-22 Form: If you already have a non-owner policy, ask your insurer to file the SR-22 certificate with the Alabama DMV. Most insurers charge a small filing fee.
- Maintain Continuous Coverage: Keep your policy active for the duration required by Alabama law (typically three years) to avoid penalties or extended SR-22 periods.
Benefits of Non-Owner SR-22 Insurance:
- Affordable option for meeting SR-22 requirements without owning a vehicle.
- Protects you from liability if you’re at fault in an accident while driving a borrowed vehicle.
- Keeps your license valid and ensures compliance with Alabama state laws.
Need Help Filing Non-Owner SR-22 Insurance in Alabama?
Contact us today for a free quote. We’ll help you find affordable coverage that meets your needs and keeps you compliant with Alabama’s SR-22 requirements!
Company Fees for SR-22 Insurance in Alabama
| Carrier | SR22 Fee (Average) |
|---|---|
| Nationwide | na |
| Allstate | Unknown |
| GAINSCO | $25.00 |
| Liberty Mutual | $15-$25 |
| Geico | $25.00 |
| Travelers | na |
| State Auto | na |
| State Farm | Unknown |
| Mendota Ins. Company | NA |
| 21st Century | na |
| Assurance America | $25.00 |
| National General | $25.00 |
| Progressive Insurance | $25.00 |
| Dairyland | Free |
| Bristol West | $25.00 |
| Farmers | $15-$26 |
| USAA | na |
| Safeco | na |
Which Companies Offer SR-22 Insurance in Alabama?
Need SR-22 insurance in Alabama? Not all insurance companies provide this service, but many specialize in helping high-risk drivers get back on the road. SR-22 filings are typically required after violations such as DUIs, driving without insurance, or multiple traffic offenses.
| Company | SR22 Offered |
|---|---|
| American Family | no |
| Progressive Insurance | Yes |
| State Farm | unsure |
| Bristol West | yes |
| Dairyland | yes |
| 21st Century | no |
| Travelers | no |
| Geico | yes |
| Nationwide | no |
| USAA | NO |
| Safeco | no |
| Liberty Mutual | yes |
| Acceptance RTR | yes |
| Allstate | unsure |
| Mendota Ins. Company | yes |
| Assurance America | yes |
| National General | yes |
| The General | yes |
| Farmers | yes |
| State Auto | no |
Reasons You May be Required to Carry SR-22 Insurance in Alabama
| At Fault accident with no insurance |
| Excessive points violations |
| Too many tickets in short period of time |
| Multiple Traffic Offenses |
| Driving while Suspended/revocation |
| Previous incarceration |
| Failure to maintain mandatory insurance coverage required by state law |
| DUI (Driving under the influence of Drugs or Alcohol) |
| DWI (Driving while Intoxicated) |
| Suspension of license due to child support |
| License suspension for failure to pay fines |
Rates by Company for Full Coverage SR-22 Insurance in Alabama
Are you looking for full coverage SR-22 insurance in Alabama? Rates depend on various factors, including your driving history, vehicle type, and the insurer you choose. Full coverage SR-22 insurance combines liability, collision, and comprehensive coverage, offering the protection you need while meeting Alabama’s legal requirements.
Progressive and Dairyland are popular choices for affordable and flexible SR-22 policies. The General and National General provide competitive rates tailored for high-risk drivers, while Bristol West and Mendota are well-regarded for their comprehensive options designed to meet the needs of SR-22 holders. Assurance America and Gainsco also stand out for their budget-friendly full coverage policies, with unique features that cater to drivers in Alabama.
Choosing the right insurer is essential because rates can vary significantly based on your circumstances. Comparing quotes from multiple companies helps you find the best rate for your specific needs.
Full coverage SR-22 insurance not only meets Alabama’s minimum requirements but also protects your vehicle from accidents, theft, and weather-related damage. This makes it a valuable option for drivers who need additional peace of mind.
If you’re ready to get started, contact us today for a free, no-obligation quote. Our team can help you compare rates and find the best full coverage SR-22 insurance to fit your needs and budget.
| Company | SR22 Full Coverage (Average) |
|---|---|
| Mendota Ins. Company | $191.00 |
| Nationwide | N/A |
| State Auto | N/A |
| Liberty Mutual | $202.00 |
| American Family | N/A |
| State Farm | N/A |
| GAINSCO | $203.00 |
| Bristol West | $174.00 |
| National General | $210.00 |
| The General | $167.00 |
| Acceptance RTR | $182.00 |
| Assurance America | $206.00 |
| 21st Century | N/A |
| Farmers | $216.00 |
| Allstate | N/A |
Lowest Priced SR-22 Insurance by City in Alabama
Need affordable SR-22 insurance in Alabama? Rates vary by city and provider, with companies like Progressive, Dairyland, and The General offering competitive options. Larger cities like Birmingham or Mobile may have higher premiums, while smaller towns often see lower rates.
Compare quotes from multiple providers, check for discounts, and ensure the policy meets Alabama’s 25/50/25 liability requirements. Contact us today for a free quote and find the lowest SR-22 rates in your city!
| City | Price |
|---|---|
| Muscle Shoals | Geico |
| Valley | National General |
| Talladega | Geico |
| Chelsea | Liberty Mutual |
| Huntsville | The General |
| Moody | The General |
| Birmingham | Liberty Mutual |
| Mountain Brook | Progressive |
| Tuscaloosa | Progressive |
| Pelham | The General |
| Troy | The General |
| Pleasant Grove | The General |
| Trussville | Liberty Mutual |
| Dothan | The General |
| Prattville | Geico |
| Bay Minette | Farmers |
| Daphne | Geico |
| Alabaster | Progressive |
| Leeds | Geico |
| Sheffield | Dairyland* |
| Helena | Progressive |
| Gadsden | Bristol West |
| Alexander City | Liberty Mutual |
| Northport | Progressive |
| Saraland | Geico |
| Pell City | Dairyland* |
| Irondale | Bristol West |
| Albertville | Liberty Mutual |
| Vestavia Hills | Progressive |
| Millbrook | Liberty Mutual |
| Hartselle | Progressive |
| Homewood | The General |
| Decatur | Geico |
| Prichard | National General |
| Jacksonville | Geico |
| Gardendale | Progressive |
| Gulf Shores | Progressive |
| Bessemer | Dairyland* |
| Saks | Progressive |
| Meadowbrook | The General |
| Foley | The General |
| Enterprise | The General |
| Russellville | Bristol West |
| Hoover | The General |
| Fairfield | Progressive |
| Atmore | Progressive |
| Fultondale | Progressive |
| Cullman | National General |
| Boaz | Progressive |
| Pike Road | Progressive |
| Calera | Bristol West |
Tips for Exclusive Home and Auto Insurance Discounts in 2025
Looking to save on home and auto insurance this year? Here are simple ways to unlock exclusive discounts:
Bundle Your Policies
Combine your home and auto insurance to save up to 25% on both. Bundling multiple policies is one of the easiest ways to reduce costs while ensuring comprehensive coverage.
Install Safety Devices
Adding smoke detectors, home security systems, or vehicle anti-theft devices can lower your premiums by up to 15%. These upgrades reduce risks for insurers and translate to savings for you.
Use Loyalty Discounts
Long-term customers often qualify for loyalty discounts, saving 5% to 10%. Check with your provider to see if you’re eligible for these rewards.
Enroll in Usage-Based Programs
Safe drivers can save up to 30% by participating in programs like Progressive’s Snapshot. These plans reward good driving habits with lower rates.
Start Saving Now
Call us at 1.888.445.2793 or text us today for a free quote and to learn how you can maximize your savings!
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Frequently Asked Questions About SR-22 Insurance in Alabama
Q1: What is SR-22 insurance, and why might I need it in Alabama?
A1: SR-22 insurance is not actually insurance but a certificate that proves you carry the state-required minimum liability insurance. You might need it in Alabama if you’ve been involved in certain traffic violations or offenses, such as DUI, driving without insurance, or multiple traffic violations. The SR-22 certificate serves as proof of financial responsibility.
Q2: How do I obtain an SR-22 certificate in Alabama, and what are the costs associated with it?
A2: To obtain an SR-22 certificate in Alabama, contact your insurance provider, and they will assist you in filing the necessary paperwork with the state. The costs associated with SR-22 insurance can vary based on your driving history and the insurance company you choose. Expect to pay additional fees for the filing and maintenance of the SR-22 certificate.
Q3: How long do I need to maintain SR-22 insurance in Alabama?
A3: The duration for maintaining SR-22 insurance in Alabama varies depending on your specific circumstances and the court’s orders. Typically, you may need to carry SR-22 insurance for a minimum of three years. It’s essential to comply with all court-ordered requirements and maintain continuous coverage during this period.
| Other Cities in Alabama SR22 Guides |
|---|
| Birmingham SR22 Insurance |
| Montgomery SR22 Insurance |
| Huntsville SR22 Insurance |
| Mobile SR22 Insurance |
| Tuscaloosa SR22 Insurance |
| Other Alabama Insurance |
|---|
| Auto Insurance in Alabama |
| Liability Insurance in Alabama |
| Interested in Cheap Full Coverage Auto Insurance in Alabama |
| Alabama Homeowners Insurance |
| Insurance for Alabama Motorcycle’s |
| Progressive Insurance in Alabama |
Here’s What Our Clients Say About Us
A Plus Insurance: Powered by Legacy
Last Updated on by Marlon Moss