SR22 Insurance Alabama: A Guide To Find Cheap Rates

By Randy Luton | Last Updated: 03/08/2024

Understanding insurance can be overwhelming, especially SR22 insurance Alabama. This article simplifies it, covering what SR22 is, why it’s needed, how to get it, and costs. It aims to answer key questions in a straightforward way, helping drivers navigate this requirement with ease.

What is SR22 insurance in Alabama?

SR22 insurance in Alabama isn’t a type of insurance policy per se but rather a certification issued by insurance companies to the state’s Department of Motor Vehicles (DMV). This certification serves as proof that the policyholder has met the minimum liability insurance coverage required by Alabama law.

Typically, it’s necessitated by a court order or by the state as a condition for reinstating or maintaining a driver’s license following serious traffic violations, such as DUIs or reckless driving.

What coverage do i need to get SR22 in Alabama?

To comply with Alabama’s SR22 requirements, a driver must secure a liability insurance policy that meets the state’s minimum coverage limits. There is a $25,000 limit for bodily injury per person, a $50,000 limit for total bodily injury per accident, and a $25,000 limit for property damage. The SR22 certification attests that your policy adheres to these stipulations, ensuring that you’re legally covered to drive.

Who needs SR22 insurance in Alabama?

SR22 insurance in Alabama is necessitated for drivers who find themselves in the following predicaments:

  • DUI or DWI Convictions: Individuals convicted of Driving Under the Influence (DUI) or Driving Without Adequate Insurance are required to secure an SR22 certification as part of the process to maintain or reinstate their driving privileges.
  • Serious Moving Violations: Drivers who have committed major traffic offenses, such as reckless driving, are often mandated to file for SR22. This is due to the increased risk they pose to public safety on the roads.
  • At-Fault Accidents Without Adequate Insurance: Those involved in at-fault accidents while lacking proper insurance coverage will need to obtain an SR22. This ensures that they meet financial responsibility requirements in the event of future incidents.
  • License Suspensions or Revocations: Individuals seeking to reinstate a suspended or revoked driver’s license may be required to provide proof of financial responsibility by filing an SR22 form.
  • High-Risk Drivers: High-risk drivers aren’t just those in accidents or with speeding tickets. They’re also people who often break traffic rules or drive without insurance. This group includes repeat offenders, those with many violations close together, and drivers who’ve skipped insurance. It’s a broader category that covers a range of risky driving behaviors.

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How much does SR-22 cost in Alabama?

If you’ve got a DUI on your driving record, getting SR 22 insurance in Alabama can cost you about $640 a year for basic coverage or $1,461 for more comprehensive coverage. It’s important to note that even small offenses like speeding or being at fault in an accident can lead to needing SR-22 and can make your insurance rates go up.

Which companies offer SR22 insurance in Alabama?

Several reputable car insurance companies in Alabama provide SR22 filings, including but not limited to:

These providers offer varying rates and levels of customer service, hence it’s advisable to shop around and compare quotes to find the most suitable coverage for your needs.

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Compare Cheap Rates In Alabama. That Fits Your Needs.

How long do you have to have an SR-22 in Alabama?

Typically, the SR22 requirement in Alabama is mandated for a period of 36 Months (Three Year). However, this duration can be extended if any additional violations are committed during this timeframe. It’s imperative to maintain continuous insurance coverage throughout this period; any lapses can reset the clock on the SR 22 mandate.

What is non-owner SR22 insurance in Alabama?

Non-owner insurance in Alabama is designed for individuals who need to file an SR22 form but do not own a vehicle. This policy covers the driver, not the car, providing liability coverage when driving a borrowed or rented vehicle. It’s an affordable alternative for those who must meet Alabama’s SR22 requirements without owning a car.

How much is the cost of non-owner SR22 insurance in Alabama?

You can meet Alabama’s non-owner SR-22 insurance requirement by getting a non-owner car insurance plan and having your insurer file the SR 22 for you. This type of insurance typically costs between $200 and $500 annually, with an additional one-time fee of $15 to $25 for filing the SR-22. It’s a good option if you don’t own a car but still need insurance coverage.

How to obtain SR22 insurance in Alabama?

Getting SR-22 insurance in Alabama involves a straightforward process:

  • Contact an Insurance Provider: Choose an insurer that offers SR22 certificates and provide them with your personal and driving history information.
  • Purchase the Required Policy: Ensure the policy meets Alabama’s minimum liability coverage requirements.
  • File the SR22 Form: It is your insurance company’s responsibility to file the SR22 form with the Alabama DMV (Department of Motor Vehicles) on your behalf.
  • Maintain Continuous Coverage: Avoid lapses in your insurance coverage to prevent further legal complications.

SR22 insurance in Alabama serves as a bridge to reinstating driving privileges for those who’ve faltered along the way. While it may seem daunting and expensive at first glance, understanding the requirements, processes, and potential costs involved can demystify the concept and make it a manageable aspect of regaining and maintaining responsible driving habits. With careful consideration and adherence to Alabama’s SR 22 insurance requirements, drivers can navigate this path successfully, ensuring their journey back to the road is smooth and secure.

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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.