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Official Alabama Guide

Alabama SR-22 Insurance

A complete roadmap to satisfying Alabama ALEA requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability
25/50/25
$25k BI / $50k Total / $25k PD
Mandate Term
3 Years
Typical for most convictions
Filing Fee
~$20 - $30
One-time administrative cost

How Alabama SR-22 Filing Works

In Alabama, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Alabama Law Enforcement Agency (ALEA). It proves that you carry the state-mandated minimum liability insurance required to maintain a valid driver's license.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in AL?

  • DUI Conviction: Driving under the influence of alcohol or controlled substances.
  • No-Insurance Violation: Failure to provide proof of insurance or being involved in an accident while uninsured.
  • Unsatisfied Judgments: Failure to pay court-ordered damages resulting from an auto accident.
  • Reckless Driving: Accumulating serious moving violations or points within a 2-year window.

Don't Own a Car in Alabama?

You can still get reinstated! An Alabama Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the ALEA requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The AL Reinstatement Timeline

1

Check Status

Verify your suspension details and required fees by contacting the ALEA Driver Improvement office.

2

Secure SR-22

Purchase a qualifying policy. Your insurance carrier will electronically transmit the certificate to ALEA.

3

Pay Reinstatement Fees

Pay the mandatory fees (typically $100+) online or via mail to clear the administrative hold on your license.

4

License Valid

Once the SR-22 is logged and all fees are cleared, your driving privilege is officially restored.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Alabama:

First Offense

Vehicle Impoundment

Court Fines

Up to $500 + Court Costs

SR-22 Period

Reset to Day 1 (Full 3 Years)

Insurance Impact

Mandatory Non-Renewal

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Alabama Filing FAQs

How much is the filing fee in Alabama?
Most insurance carriers charge a one-time fee of $20-$30 to electronically file the certificate with ALEA. This is separate from your monthly premium.
Can I drive out of state with an AL SR-22?
Yes. Your Alabama SR-22 allows you to drive legally nationwide. However, you must maintain the Alabama-specific coverage limits (25/50/25).
What is the difference between SR-22 and regular insurance?
An SR-22 is not insurance; it is a certificate of financial responsibility attached to your insurance policy that monitors your coverage status for the state.
Can I get a Non-Owner policy in AL?
Yes, Alabama allows Non-Owner SR-22 filings. It is the most affordable way to reinstate your license if you do not own a car.
Will my license be suspended if I miss a payment?
Yes. Alabama law requires insurers to notify the ALEA immediately via an SR-26 cancellation form if your policy lapses. This triggers an instant suspension.
How do I remove the SR-22 after 3 years?
Once your 3-year mandate is complete, contact ALEA to confirm your requirement has been met. You can then ask your agent to remove the SR-22 endorsement.
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