Auto Insurance with an SR-22 in Alabama

If you need an SR-22 to acquire auto insurance in Alabama, don't worry. This relatively routine legal requirement is often needed after a citation such as a DUI conviction, a citation for driving without proof of insurance, an at-fault accident, a ticket for driving with a suspended license, or piling up too many points on your license.

Finding cheap car insurance with a SR-22 in Alabama might require some effort, but it could pay off. We assessed how much money a SR-22 certificate usually costs in Alabama and how to request one — let's dive into the details.

How much is Alabama SR-22 insurance?

Auto insurance with an SR-22 in Alabama can be expensive. This isn't because obtaining the SR-22 certificate is expensive — typical filing fees run just $15 to $35 — but thanks to the insurance premium increases triggered by the driving citation that necessitated the SR-22.

Car insurance companies charge higher-risk drivers more expensive rates to account for the increased chance of an accident. The rate increase you will receive may depend on the number and severity of the infractions — below are standard auto insurance premiums after an SR-22 in Alabama.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,450
At-fault accident (>$2,000)$2,072$622
Speeding (21-25 mph > limit)$1,767$317
Reckless driving$2,301$851

If you're seeking affordable car insurance with a SR-22, we are here to help. Enter your ZIP to find personalized car insurance rates from popular insurers.

How to get an SR-22 in Alabama

Already insured

With an active insurance policy, obtaining an SR-22 certificate is simple. Contact your car insurance company ask them to file a SR-22 request on your behalf. If your current car insurance company refuses to request an SR-22 certificate, you should look for a new auto insurance company.

If you're uninsured

When applying for a new policy, you'll be billed extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. An SR-22 requirement could disqualify you from purchasing insurance from some companies, while others will sell you a policy.

Don't own a vehicle?

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a car makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, get a non-owners auto insurance policy before asking for an SR-22. Non-owners auto coverage is typically less expensive than standard coverage since it doesn't cover material damages to your vehicle.

Methodology and data sources

The Zebra conducted car insurance price analysis using its proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra surveyed nearly 53 million rates to examine trends for specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on car insurance rates.

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Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver