Cheapest SR-22 insurance in Alabama

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In Alabama, the cheapest SR-22 insurance options are offered by Nationwide at $1,005 per year and GEICO at $1,203 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.

An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that proves you meet your state’s minimum car insurance requirements. It’s often required after serious driving violations, such as a DUI, reckless driving, or driving without insurance. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs.

Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.

Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.

While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.

Key Takeaways

The average cost of SR-22 car insurance in Alabama is $1,702.
Nationwide offers the most affordable SR-22 insurance policies in Alabama at $1,005 per year.
An SR-22 isn’t a separate insurance policy; it’s a form your insurer files to the state DMV on your behalf to confirm you have the required minimum coverage.

Do I need to buy SR-22 insurance in Alabama?

As previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.

Examples of offenses that might require an SR-22:

DUI, DWI, or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.

You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.

Average SR-22 car insurance cost in Alabama

The average SR-22 car insurance cost in Alabama is $1,702.

Alabama’s rate is $687 more expensive than SR-22 insurance in the New Hampshire, the cheapest state. However, it’s also $2,339 less than in Michigan, the most expensive state for SR-22 insurance.

However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which you live.

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Cheapest SR-22 insurance companies in Alabama

Insurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Alabama.

Company	Average annual premium	Average monthly premium
Nationwide	$1,005	$84
GEICO	$1,203	$100
Travelers	$1,290	$108
Allstate	$1,728	$144
Auto-Owners	$1,920	$160
State Farm	$2,004	$167
Progressive	$2,295	$191
Farmers	$2,708	$226
USAA*	$1,164	$97

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in Alabama by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Alabama.

City	Average annual premium
Florence	$866
Cropwell	$914
Montgomery	$934
Mobile	$1,008
Bessemer	$1,018
Decatur	$1,020
Birmingham	$1,035
Alpine	$1,046
La Fayette	$1,046
Anniston	$1,058
Groveoak	$1,067

SR-22 insurance requirements in Alabama

The Alabama DMV mandates all drivers in Alabama to have the following minimum car insurance coverage:

$25,000 for injury or death per person
$50,000 for injury or death per accident
$25,000 for property damage per accident

These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.

How much does SR-22 in Alabama cost with a DUI?

Insurance companies differ in the premiums they charge for drivers with a DUI.

Note: In the table below, “filing only” refers to the cost of a policy, including the SR-22 filing fee, without factoring in the reason you need the SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
Travelers	$1,965	$1,290
Nationwide	$2,026	$1,005
Allstate	$2,178	$1,728
State Farm	$2,181	$2,004
GEICO	$2,508	$1,203
Progressive	$2,816	$2,295
Farmers	$3,683	$2,708
Auto-Owners	$3,822	$1,920
USAA*	$2,420	$1,164

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Alabama

You may face sky-high insurance premiums if you need an SR-22 in Alabama. However, there are ways to save on car insurance whether or not you require an SR-22.

First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies specialize in high-risk drivers and offer you better SR-22 rates.

Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.

You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.

There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Alabama, recommends the following:

Shopping around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront: Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance: If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.

Non-owner SR-22 insurance in Alabama

Some states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.

It’s often a more affordable option than a standard policy since it only covers liability.

Read more about how non-owners car insurance works in Alabama

Who needs SR-22 insurance?

Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.

For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.

Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.

How long do you need SR-22 insurance in Alabama?

You typically need to maintain an SR-22 for three years.

During this period, you must maintain continuous coverage without any lapses. If your policy is canceled or lapses, your insurer must notify the state, which could result in further penalties or a license suspension.

The bottom line on SR-22 in Alabama

Alabama’s average SR-22 insurance rate is $1,702, compared to the overall average car insurance cost in Alabama, which is $1,517. That means Alabama’s SR-22 rate is $185 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Alabama.” Accessed December 2025.
Progressive Insurance. “What is an SR-22?” Accessed December 2025.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.