Alabama SR-22 Insurance After Your Filing Ends
Alabama requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Alabama at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Alabama
Drivers with DUI convictions, license suspensions for accumulating 12+ points in 2 years, at-fault accidents while uninsured, or repeat violations must file SR-22 证明 of financial responsibility for 3 years.
Liability Insurance
Full Coverage
Comprehensive Coverage
Uninsured Motorist Coverage
SR-22 Insurance
What Drivers Pay in Alabama
$199–$345/mo
Typical monthly rate in Alabama, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Original violation type: DUI surcharges persist longer than point accumulation or lapse-related SR-22
- Continuous coverage since SR-22 ended: any gap resets credibility with standard carriers
- Credit-based insurance score: Alabama allows credit scoring, which improves faster than driving record for many post-SR22 drivers
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Hardship Driver License (Class D, limited privileges)
application fee $36.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Alabama's 25/50/25 minimums are mandatory for all drivers and formed the base of your SR-22 requirement.
Full Coverage
Combines liability, comprehensive, and collision to protect both your financial liability and your vehicle's value. Required by lenders and essential for post-SR22 drivers with newer vehicles.
Comprehensive Coverage
Covers vehicle damage from theft, vandalism, weather, falling objects, and animal strikes. Optional unless required by your lender.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver lacks insurance or is underinsured. Alabama requires insurers to offer UM/UIM coverage, though you can reject it in writing.
SR-22 Insurance
SR-22 is a certificate proving you carry continuous coverage at state minimums, filed by your insurer with ALEA for 3 years. The filing adds $15–$35, but the underlying high-risk classification increases premiums significantly.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, suspensions, or SR-22 requirements who don't qualify for standard carriers. Focuses on state compliance over competitive pricing.