Alabama Car Insurance with a DUI

If you get a DUI in Alabama, your auto insurance is going to get more expensive — it's only a question of by how much.

How does a DUI impact car insurance premiums in Alabama?

In Alabama, a DUI will boost your yearly car insurance rate by an average value of $895. That’s 23% less than the national mean premium increase after a DUI.

LocationAvg. Annual Rate — without DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
United States$1,548$2,556+65%

Purchasing car insurance in Alabama with a DUI

Purchasing affordable auto insurance in the wake of a DUI violation is not straightforward. In fact, a DUI often results in a larger premium increase than does any other driving violation — more than an at-fault accident, reckless driving, or racing.

Best car insurance after a DUI in Alabama

If you've been found guilty of a DUI or DWI violation in Alabama, it’s important to consider each of your insurance choices carefully. Car insurance costs in the wake of a DUI can vary substantially by the company. For example, the cheapest car insurance company with a DUI in Alabama, USAA, advertises annual premiums 18% below the state average insurance rate with a DUI. The second-cheapest choice for car insurance with a DUI in Alabama is Progressive, while the most expensive firm is Alfa, with rates 54% above average.

Insurance CompanyAvg. Annual Rate — After DUI
State Farm$2,859

There is no car insurer, in particular, offering affordable DUI auto insurance. The best strategy to limit your losses post-DUI violation is to shop around.

Compare car insurance policies online or contact your insurance expert to gauge your choices and discover a relatively cheap plan.

Learn more about car insurance and DUI violations.

Find affordable car insurance after a DUI

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Alabama DUI laws

In Alabama, you're considered to be driving under the influence, or driving while impaired, if:

  • You have a blood alcohol concentration of 0.08% or more
  • Or you are under the influence of drugs, alcohol, or other substances that render you incapable of safely operating a vehicle

Commercial drivers are held to an even stricter BAC. If you're driving a commercial vehicle with a BAC of 0.04% or higher, you're considered to be DUI.

While 21 is the legal drinking age, 20% of youths aged 12 to 20 engage in underage drinking. If they get behind the wheel of a car, they're considered to be DUI with a BAC of just 0.02% or more.

Alabama is also a state that considers a motorist DUI even if they're not presently driving. If you are currently in actual physical control of the vehicle , you may be considered to be DUI in Alabama.

DUI penalties in Alabama

If you're caught under the influence of alcohol or drugs while driving in Alabama, you're subject to a slew of penalties. Though repeat offenders are subject to the harshest penalties, even first-time offenders will find DUIs costly, both in the cost of fines and time spent in jail.

First-time DUI offenders in Alabama:

  • May be imprisoned for up to one year in municipal or county jail (no minimum sentence)
  • Must pay a fine between $500 and $2,000, plus $100 to the Impaired Drivers Trust Fund
  • Are given a mandatory 90-day license suspension
  • Must attend DUI school

In Alabama, second-time DUI offenses lead to:

  • 48 consecutive hours of imprisonment, up to a maximum of one year, or no less than 20 days of community service
  • A fine of $1,000 to $5,000, plus $100 to the Impaired Drivers Trust Fund
  • A one-year driver's license revocation

A third DUI conviction in Alabama within five years results in:

  • A mandatory 60-day imprisonment, which cannot be probated or suspended, and up to one year total in jail
  • A $2,000 to $10,000 fine, plus $100 to the Impaired Drivers Trust Fund
  • A three-year revocation of your driver's license

Four or more DUI convictions in Alabama within five years is considered a class-C felony. Penalties for such convictions are:

  • One to 10 years imprisonment
  • A $4,000 to $10,000 fine
  • And a five-year revocation of your driver's license

All offenders may be subject to longer license suspensions than defined based on:

  • Their BAC at the time of arrest
  • The type of license they hold
  • If the DUI lead to an accident

Double penalties for 0.15 BAC in Alabama

Drivers with a BAC of at least 0.15 receive at least double the minimum penalty for DUI.

DUI penalties for underage drinkers in Alabama

Drivers under 21 years of age who are found to have a BAC over 0.02% receive a 30-day license suspension for first-time DUI offenses and must attend substance abuse treatment. They’re also responsible for paying the same fines as those over 21 years old.

Subsequent DUI offenses by a drinker under 21 years old may have their license revoked for a longer period of time.

Sources and references:

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.