How to get an SR22 Insurance in Alabama

How to get an SR22 Insurance in Alabama?

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What is an SR22 Insurance and why do I need it?

An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

SR22 is basically a certificate of financial responsibility, which is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the minimum liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Alabama

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Alabama Department of Motor Vehicles (DMV) will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

The SR22 insurance in Alabama certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses.

SR-22 requirements in Alabama are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 Insurance in Alabama?

In Alabama, driver’s who’ve had their licenses suspended after being convicted of one or more of the below listed infractions need to get an SR22 insurance to get their licenses reinstated – 

  • Unpaid legal judgments.
  • License was suspended or revoked due to a DUI/DWI
  • Were caught without auto insurance or were unable to show proof of insurance to the authorities.
  • Were caught falsifying motor insurance certifications
  • License was suspended after hit-and-run, vehicular manslaughter, committing perjury regarding vehicle registration or a driver’s license application

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What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 in Alabama?

The state of Alabama requires all drivers requiring an SR22 Insurance to have a basic minimum liability insurance coverage of –

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per accident.
  • $25,000 for property damage per accident.

 

How do I file an SR22 Insurance form in Alabama?

Your SR22 insurance in the state of Alabama can be acquired from your auto insurance provider who will file your SR22 form with the Department of Motor Vehicles (DMV) for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles (DMV) once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest SR22 Insurance in the state of Alabama. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure you get the cheapest SR22 insurance rates in Alabama. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your needs!

 

How much does an SR22 Insurance cost in the state of Alabama?

In Alabama, your insurance provider will charge you a filing fee of $15 to $35 to file for an SR22 insurance. However the filing fee isn’t the most expensive part of the SR22 Insurance. Once you are asked to get an SR22 Insurance, you are termed as a “high-risk” driver by the state as well as most of the auto insurance providers, resulting in higher insurance premiums, which hits your wallet hard.

The increase in premium amount you get depends on the provider you choose, severity of your driving violation, your age, and many other factors.

You can check the table below to get an estimate of how much does a SR22 insurance cost in Alabama after being convicted of one of the below mentioned driving infractions- 

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,450
-
At-fault collision with damage over $2,000
$2,072
$622
Speeding of 21-25 mph over the limit
$1,767
$317
Reckless driving
$2,301
$851
Racing
$2,405
$955
Hit-and-run
$2,426
$976
DUI/DWI
$2,345
$895

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How long do I need an SR22 in Alabama?

The state of Alabama requires an SR-22 for a minimum of three years (36 months) — usually for driving without insurance. But if you’re convicted of a DUI, you could need to file an SR-22 for up to five years.

Moreover, if you cancel/let your SR22 insurance policy lapse prematurely, your auto insurance provider will notify the DMV and your driving privileges will be suspended until you get your SR22 renewed.

 

Non-Owner SR22 Insurance In Alabama

In Alabama, non-owner SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Alabama depends on a few components including age, sexual orientation, location, conjugal status, driving record, and FICO score.

SR22InsuranceNow can help you in finding insurance companies in Alabama that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 now!

 

Frequently asked questions related to SR22 Insurance in Alabama

1. Where can I get the cheapest SR22 in Alabama?

SR22InsuranceNow can help you find the cheapest SR22 in Alabama. Top cities covered are Birmingham, Montgomery, Huntsville, Mobile, Tuscaloosa, Hoover, Dothan, Auburn, Decatur, Madison, Florence, Phenix City, Prattville, Gadsden, Vestavia Hills, Alabaster, Opelika, Enterprise, Bessemer, Athens and more.  

SR22InsuranceNow can help you in getting the cheapest SR22 in Alabama by letting you compare SR22 car insurance quotes from various top providers (Geico, State Farm, Progressive, Allstate etc) 

Call us now at 888-885-3948!

 

2. How to get cheapest SR22 Insurance without a car in Alabama?

In Alabama, if you don’t own a car, you have to get a Non – Owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 in Alabama. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

Give us a call at 888-885-3948 today!

 

3. Which companies offer cheap SR22 in Alabama?

In Alabama, top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer SR22 Insurance. 

Call SR22InsuranceNow at 888-885-3948 and compare SR22 car insurance quotes from top providers (Geico, State Farm, Allstate, Progressive)

 

4. Which companies offer cheap Non – Owner SR22 Insurance in Alabama?

State Farm, Geico, Allstate Progressive and other top companies offer Non – Owner SR22 Insurance in Alabama. 

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!

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