Cost of SR-22 Insurance with Full Coverage in Alabama
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
You can carry an SR-22 while still having full coverage. The SR-22 is an attachment added onto a policy which requires the insurance provider to report the insurance to the state.
Should I get full coverage on my vehicle?
Laws Pertaining to SR-22 In Alabama
You may be required to carry an SR-22 if you’ve been convicted of a DUI, driving without insurance, An At Fault Accident, or too many points on your license.
Who has the lowest price on SR-22 Insurance In Alabama by 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
Need a quick quote on SR-22 insurance? Check your city above to find the most affordable Insurance company. Many of these companies specialize in SR-22 filings and are able to offer cheaper prices.
SR-22 Rates by company for Liability in Alabama
Company
SR22 Liability (average)
Acceptance RTR
$98.00
AssuranceAmerica
$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
Liability Insurance is the bare minimum required in the State of Alabama. You can customize your insurance policy by adding on additional coverages such as Roadside assistance, and Rental Reimbursement.
State Insurance Requirements in Alabama
State
State Min
PIP?
Alabama
25/50/25
N/A
The minimum requirements by law in Alabama are 25/50/25. This means if you are liable in an accident, your liability will pay out to the other party $25,000 per person, up to $50,000 per accident for bodily injury and $25,000 for property damage.
Need An SR-22 but do not own a vehicle?
If you are already insured, obtaining an SR-22 is simple. You will contact your insurance company and request them to file an SR-22 on your behalf. Not insured or do not own a vehicle? You can obtain a Non Owners policy and attach the SR-22 filing to that policy. The Non Owners policy covers you for liability insurance, which is required by law, and covers you driving any vehicle that you or any household members DO NOT own.
Company fees for SR-22 Insurance in Alabama
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
AssuranceAmerica
$25.00
National General
$25.00
Progressive Insurance
$25.00
Dairyland
Free
Bristol West
$25.00
Farmers
$15-$26
USAA
na
Safeco
na
Many companies charge a one time $25 filing fee, which they are responsible for reporting your insurance to the state. Some companies charge a percentage of the premium, and some companies do not offer SR-22 filings.
Which companies offer SR-22 in Alabama?
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
AssuranceAmerica
yes
National General
yes
The General
yes
Farmers
yes
State Auto
no
Check above for well known Insurance companies that do offer SR-22 filings. Some companies do not, because they are considered for ‘high risk’ drivers.
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
SR-22 Rates by company for Full Coverage in Alabama
Already have insurance? Financing a new vehicle but still need SR-22 Insurance? These 2 things do not need to be on separate policies. You can save yourself money and hassle but simply asking your insurance company to add on a SR-22 filing to your current full coverage policy.
Lowest Priced SR-22 Insurance by City In Alabama
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
Having a hard time getting affordable Insurance? There are many factors that are used to determine your insurance premium. Always practice safe driving habits, and shop around when looking for an insurance policy before you purchase.
Frequently asked Questions
How do I get an SR-22 In Alabama?
Already insured? Simple. Call your insurance company and ask them to file an SR-22 on your behalf. Not insured? You will first need to purchase an insurance policy, and ask them to attach an SR-22 filing to the policy.
What if I’m required to carry an SR-22 but don’t own a vehicle in Alabama?
Since you are required to carry insurance, you will need to purchase a Non Owners policy if you do not own a vehicle. You can attach the SR-22 filing onto the policy which notifies the state that you are carrying insurance. A Non Owners policy will cover you for liability driving any vehicle as long as you do not own it.
How do I know if I need an SR-22?
If your license is suspended or revoked, chances are you need an SR-22. If you are unsure, call the State and they will be able to look up your requirements.
What is an SR-22 and how does it work?
An SR-22 filing is an attachment that is added onto a policy (standard auto policy, non owners policy, Broadform) that requires the Insurance company to report to the state that you are insured. If your policy lapses, they will also be notified through another form called an FR-44.
How long do I need to carry an SR-22 in Alabama?
Most offenses require you to carry an SR-22 for 3-5 years. You will need to check on your specific case if you are unsure.
What States don’t require an SR-22?
Most states require an SR-22 with the exceptions being Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania.
How much does an SR-22 Cost in Alabama?
An SR-22 is just an attachment requiring the Insurance company to notify the state you are carrying insurance. It typically costs $25 for your full insurance term.
What happens if I let my SR-22 lapse in Alabama?
If you let your insurance lapse, the state will be notified which they may send out a letter telling you to obtain SR-22 Insurance otherwise your license may be revoked or suspended. There could be additional fees, so it is important to never let your insurance lapse.
