Alabama SR-22 requirements at a glance
| Requirement | Minimum |
|---|---|
| Bodily injury per person | $25,000 |
| Bodily injury per accident | $50,000 |
| Property damage per accident | $25,000 |
| Typical filing duration | Per your DMV or court order |
Alabama does not require uninsured motorist coverage on SR-22 policies - but we strongly recommend you add it. Alabama has one of the higher rates of uninsured drivers in the country, and UM coverage is inexpensive insurance against a real risk.
When does Alabama require an SR-22?
The Alabama Law Enforcement Agency (ALEA) - which handles driver licensing and SR-22 filings in the state - typically requires an SR-22 after:
- DUI conviction
- Accident while uninsured - Alabama requires proof of future financial responsibility even for not-at-fault drivers if they didn't have insurance at the time
- Driving with a suspended or revoked license
- Multiple moving violations resulting in suspension
- Reckless driving conviction
- Failure to satisfy a judgment from an auto accident
How long do I need SR-22 in Alabama?
The required filing period is set by your court or ALEA and stated in your paperwork. The length varies with the offense and whether there are prior violations. Confirm your exact end date through the ALEA Driver License division.
As with all states, lapses can reset the requirement. If your policy lapses during the filing period, your insurer notifies ALEA, your license can be suspended again, and the period may restart. Keep your policy active and make sure renewal payments are made on time.
How much does SR-22 insurance cost in Alabama?
Two costs:
- Filing fee: most SR-22 policies include a filing fee when the certificate is submitted to ALEA. People sometimes mistake this fee for the full cost of SR-22 insurance - it isn't.
- Policy premium: the underlying auto insurance, which depends on driving record, age, vehicle, ZIP code, and which carrier we place you with.
Alabama is generally one of the lower-cost states for auto insurance overall, but SR-22 surcharges still apply. Drivers with a single DUI typically see 40-70% premium increases over standard rates. We work with specialty carriers that price these cases competitively, and we always shop multiple options.
Non-owner SR-22 in Alabama
If you don't own a vehicle but still need to satisfy Alabama's SR-22 requirement, a non-owner SR-22 policy is the answer. It satisfies the state filing and covers you when you drive vehicles you don't own. Non-owner policies are typically 30-50% cheaper than owner policies in Alabama.
Alabama SR-22 + ignition interlock
Alabama DUI convictions often require an ignition interlock device (IID) in addition to the SR-22 filing. Through our sister company Alabama Ignition Interlock, we can coordinate IID installation through certified partner locations statewide when you set up your SR-22 with us.
Major Alabama cities we serve
We file SR-22s statewide in Alabama. Common service areas include:
- Birmingham, Hoover, Tuscaloosa, Vestavia Hills, Bessemer
- Montgomery, Prattville, Auburn, Opelika
- Mobile, Daphne, Fairhope, Spanish Fort
- Huntsville, Madison, Decatur, Florence, Athens
- Dothan, Gadsden, Anniston, Selma
SR-22 filing is electronic and goes directly to ALEA from anywhere in Alabama.
Start your Alabama SR-22 today
- Call (888) 544-4347 or request a quote online.
- Tell us about your driving history, vehicle status, and DUI or court paperwork.
- We'll shop multiple Alabama SR-22 carriers and present the best quotes.
- Pay your first premium; we file electronically with ALEA the same business day.
- Bring filing confirmation to the DMV for reinstatement, pay reinstatement fees, and you're back on the road.