Auto Insurance with an SR-22 in Alabama

The Zebra
Nov. 15, 2018

If you need an SR-22 certificate to get car insurance in Alabama, you aren't alone. This relatively common insurance requirement is triggered by a driving violation like a DUI/DWI, a citation for driving without proof of insurance, an at-fault crash with substantial property damage, driving with a suspended license, or piling up too many license points.

Getting cheap insurance with a SR-22 in Alabama might take some research, but the savings are worth the trouble. We examined how much an Alabama SR-22 certificate usually costs and how to get one — let's dive into the details.

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How much is Alabama SR-22 insurance?

SR-22 insurance in Alabama is usually expensive. This isn't a direct cost of the certificate — filing fees might be just $15 to $35 — but because of the insurance cost increases initiated by the offense that necessitated the SR-22.

Car insurance companies bill risky drivers more to account for the more substantial risk of a claim payout. The rate increase you’ll face depends on the severity and number of the citations — listed below are average car insurance rates with an SR-22 in Alabama.

High-risk rating factorAverage annual rateIncrease vs. clean record
No citations$1,357.85
At-fault collision (>$2,000)$1,953.00$595.15
Speeding (21-25 mph > limit)$1,672.31$314.46
Reckless driving$2,252.39$894.54
Leaving the scene$2,236.14$878.29

If you're in need of inexpensive car insurance with a SR-22, The Zebra is here to help. Submit your ZIP code to receive personalized auto coverage quotes from popular insurers.

Requesting an SR-22 in Alabama

Currently insured?

If you possess an active auto insurance policy, obtaining an SR-22 certificate is straightforward. Phone your auto insurance company ask it to file a SR-22 request on your behalf. If your insurer isn’t willing to file an SR-22 request, you’ll need to shop for a new policy with a new insurance company.

If you're currently uninsured:

When filing for car insurance, you might be saddled with an up-front fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification might disqualify you from purchasing insurance from some companies, while others would be happy to cover you.

Don't own a vehicle?

If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you'll need to show proof of insurance to get a certificate. If you don't own a car, get a non-owners car insurance policy before requesting an SR-22. Non-owners auto insurance can be less expensive than a standard policy since it won’t provide protection for physical damages sustained by your vehicle.

Methodology and data sources

Between September and December 2017, we conducted in-depth pricing analysis through its proprietary insurance quote engine, incorporating data from rating systems and public rate filings. The Zebra assessed nearly 53 million rates to examine trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.