- SR-22 Insurance In Alabama
- What is a SR-22 in Alabama?
- Rating Factors that Affect the Cost of SR-22 Insurance in Alabama
- Laws Pertaining to SR-22 Insurance In Alabama
- SR22 Insurance Process
- Who has the Lowest Price on SR-22 Insurance In Alabama by city
- SR-22 Rates by Company for Liability in Alabama
- State Insurance Requirements in Alabama
- Need An Alabama SR-22 but Do Not Own a Vehicle?
- Company Fees for SR-22 Insurance in Alabama
- Which Companies Offer SR22 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
- Frequently Asked Questions About SR-22 Insurance in Alabama
What is a SR-22 in Alabama?
An SR-22 in Alabama is a vehicle liability insurance document required by the state’s Department of Motor Vehicles (DMV) for high-risk insurance policies. It’s a certification issued by your insurance company to the DMV, proving that you carry the minimum auto insurance coverage required by Alabama law. Essentially, an SR-22 is not insurance but a certification that you’re maintaining insurance coverage if you’re considered a high-risk driver due to certain traffic violations.
Key reasons you might need an SR-22 in Alabama include DUI convictions, accumulating too many violation points on your driving record, or being found at fault in an accident without insurance. It’s crucial for drivers requiring an SR-22 in Birmingham to understand that this requirement does not last indefinitely. Typically, the mandate lasts for three years, but this can vary based on the severity of the traffic violations.
- Main reasons for SR-22 requirement:
- DUI/DWI convictions
- Reckless driving
- Driving without insurance
- Serious moving violations
Maintaining continuous insurance coverage during this period is essential to avoid further penalties or the extension of the SR-22 requirement. Consulting with a knowledgeable insurance agent can help you navigate the specifics of Birmingham car insurance SR22, ensuring compliance with Alabama’s regulations.
Rating Factors that Affect the Cost of SR-22 Insurance in Alabama
That said, here are some factors that can affect the cost of SR-22 insurance with full coverage in Alabama:
- Location: The city or town in which you live can impact insurance rates. Urban areas may have higher rates due to increased traffic congestion, higher crime rates, and greater risk of accidents or theft.
- Driving Record: Your driving history plays a significant role in determining insurance premiums. If you have a history of traffic violations, accidents, or DUI convictions, you may face higher insurance rates, including SR-22 filing fees.
- Age and Gender: Younger drivers, especially teenagers, typically pay higher insurance premiums due to their lack of driving experience and statistically higher likelihood of being involved in accidents. Additionally, gender can also affect rates, with young male drivers often facing higher premiums than their female counterparts.
- Vehicle Type: The make, model, year, and value of your vehicle can influence insurance costs. More expensive or high-performance vehicles generally have higher insurance premiums due to increased repair costs and theft rates.
- Coverage Limits: The amount of coverage you choose for your auto insurance policy will impact the cost of SR-22 insurance. Opting for higher coverage limits or additional coverage options, such as comprehensive and collision coverage, will result in higher premiums.
- Credit History: In some states, including Alabama, insurance companies may use credit-based insurance scores to determine premiums. A higher credit score can result in lower insurance rates, while a lower score may lead to higher premiums.
- Insurance Company: Different insurance companies may offer varying rates for SR-22 insurance. It’s essential to shop around and compare quotes from multiple insurers to find the most affordable option for your situation.
- Discounts: Insurance companies often offer discounts for various factors, such as bundling multiple policies (e.g., auto and homeowners insurance), maintaining a clean driving record, completing defensive driving courses, or installing safety features in your vehicle.
| 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 |
Laws Pertaining to SR-22 Insurance In Alabama
In Alabama, the laws pertaining to SR-22 insurance dictate that this form is required for drivers who’ve had their driving privileges suspended or revoked due to serious traffic offenses. The SR-22 form serves as proof of financial responsibility, showing that you carry the minimum amount of auto insurance coverage required by state law. Drivers typically need to maintain an SR-22 for a period of three years, although this duration can vary based on the severity of the offense and any additional requirements imposed by the court or the Alabama Department of Public Safety.
Key requirements under Alabama law include:
- SR-22 filing after DUI convictions, reckless driving, driving without insurance, or other major traffic violations.
- Minimum liability coverage: $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage.
Remember, failing to maintain continuous coverage during the required period can result in further penalties, including the reinstatement of license suspension. It’s crucial for drivers requiring Birmingham car insurance SR22 to adhere strictly to these laws to regain and maintain their driving privileges.
SR22 Insurance Process
01.
Consultation
We gather detailed information, ensuring you have all the facts before making a decision.
02.
Quote
Receive your SR22 insurance quote, customized to your unique needs and credit profile
03.
Filing
We work closely with the insurance carrier to ensure that the sr22 is filed with the state
04.
Policy Management
Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.
Who has the Lowest Price on SR-22 Insurance In Alabama by city
In Alabama, SR-22 insurance prices vary by city, reflecting local driving risks and insurance claims statistics. In Birmingham, Progressive and Dairyland often provide competitive rates, suitable for its bustling urban setting. Huntsville, with its lower traffic density, may see favorable quotes from The General or National General. Coastal city Mobile, facing higher weather-related risks, might find Gainsco and Assurance America offering cost-effective solutions.
Montgomery’s blend of urban and suburban landscapes means Bristol West or Mendota could present the best value. Regardless of the city, comparing quotes from both national and local insurers is crucial for finding the lowest SR-22 insurance prices 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 |
SR-22 Rates by Company for Liability in Alabama
In Alabama, SR-22 rates for liability coverage vary significantly across insurance companies, reflecting their risk assessment models and coverage options. Progressive, known for its competitive pricing, and Dairyland, a favorite for high-risk drivers, often lead with some of the most affordable rates.
National General and The General cater to those needing specialized high-risk policies at reasonable costs. Meanwhile, companies like Gainsco and Assurance America provide niche offerings that might suit drivers with unique needs. Bristol West and Mendota offer robust policies tailored to meet the state’s minimum liability requirements for SR-22 holders, emphasizing the importance of shopping around to find the best rate for your situation.
Each company balances price with service, making it essential to compare not just the costs but also the coverage benefits and customer support.
| 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 |
Need An Alabama 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
| 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 |
| AssuranceAmerica | $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 SR22 in Alabama?
Not all insurance companies offer SR-22 filings in Alabama. The availability of SR-22 insurance can vary widely among insurers, as it is generally tailored to drivers who are considered high-risk due to DUI/DWI convictions, at-fault accidents without insurance, multiple traffic offenses, or other serious violations.
Some insurers specialize in high-risk policies and are more willing to provide SR-22 certifications, while others may choose not to offer this service due to the increased risk it represents. It’s important for drivers in need of an SR-22 to shop around and consult with multiple insurance providers to find one that can accommodate their specific needs and offer competitive rates for their situation.
| 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 |
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
In Alabama, rates for full coverage SR-22 insurance can diverge significantly among companies, given the comprehensive protection they provide, including liability, collision, and comprehensive coverage.
Progressive and Dairyland are often go-to options for those seeking affordability without sacrificing quality. For more specialized needs, The General and National General offer competitive rates tailored to drivers requiring SR-22 filings.
Bristol West and Mendota are also noteworthy for their full coverage offerings, catering to the higher risk profile of SR-22 holders. Assurance America and Gainsco round out the list with their own versions of full coverage SR-22 policies, each with unique features and pricing structures.
Shopping around is key, as rates depend on individual driving history, vehicle type, and other personal factors, ensuring drivers can find the best possible rate for their full coverage SR-22 insurance in Alabama.
| 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 |
| AssuranceAmerica | $206.00 |
| 21st Century | N/A |
| Farmers | $216.00 |
| Allstate | N/A |
Lowest Priced SR-22 Insurance by City in Alabama
To find the lowest priced company for SR-22 insurance in Alabama, start by obtaining quotes from multiple insurance providers, including both national and local companies. Consider using online comparison tools for quicker results. Pay attention to discounts you may qualify for and review each policy’s coverage to ensure it meets your needs.
| 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 |
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.
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Last Updated on by Veronica Moss