Alabama SR-22 and car insurance quotes
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How SR-22 works in Alabama
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Driver License Division of the Alabama Law Enforcement Agency (ALEA) to prove you carry at least the state minimum coverage. Alabama usually requires one after your license is revoked, for example for a second or later DUI, homicide by vehicle or leaving the scene of a crash where someone was hurt. It can also be required after an unpaid court judgment from a crash. You typically keep it for 3 years from the date ALEA requires it.
- Your insurance company or agent files the SR-22 with the ALEA Driver License Division for you
- Keep the policy active the whole time. If it ends, your insurer has to notify ALEA at least 10 days ahead, and your license can be suspended again
- A licensed agent can quote it today and explain your options
Alabama minimum car insurance
Alabama requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage, often written as 25/50/25. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in Alabama
If you don't own a car, Alabama law allows an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Alabama
We help drivers anywhere in Alabama. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Alabama SR-22 questions
Who needs an SR-22 in Alabama?
ALEA usually requires one after a license revocation, such as a second or later DUI, homicide by vehicle, leaving the scene of a crash where someone was hurt, using a vehicle in a felony or 3 reckless driving convictions in 12 months. It can also be required after an unpaid court judgment from a crash. A first DUI is usually a suspension, not a revocation. ALEA's reinstatement letter tells you whether you need an SR-22.
How long do I need an SR-22 in Alabama?
Typically 3 years from the date ALEA requires it. ALEA's reinstatement letter lists the date you have to keep it until.
What happens if my SR-22 lapses in Alabama?
Your insurer has to tell ALEA at least 10 days before the policy ends, and ALEA can suspend your license again. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Alabama without a car?
Yes. Alabama law allows an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: ALEA Driver License Division: reinstatement requirements and SR-22 · Code of Alabama 32-7-6: minimum limits · Code of Alabama 32-7-31: how long proof is kept
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