Alabama SR-22 Insurance After DUI or Suspension
Alabama requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After a ViolationAlabama at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Alabama
The Alabama Law Enforcement Agency (ALEA) typically mandates SR-22 filing for DUI convictions, at-fault accidents without insurance, accumulating excessive points, driving with a suspended license, or repeat traffic violations. SR-22 filing verifies continuous coverage to the state and typically remains active for 3 years from the reinstatement date. Most high-risk drivers need coverage above state minimums to satisfy SR-22 requirements and protect against out-of-pocket liability.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured Motorist Coverage
What Drivers Pay in Alabama
$227–$255/mo
Typical monthly rate in Alabama, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Vehicle type: older vehicles with liability-only coverage cost significantly less than new financed vehicles requiring full coverage
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer to the Alabama Law Enforcement Agency proving you carry minimum liability coverage. The filing itself costs $15–$50, but the high-risk premium behind it drives total policy cost to $150–$400/mo depending on your violation.
Non-Standard Auto Insurance
Policies designed for drivers with DUI convictions, suspensions, lapses, or multiple violations. Non-standard carriers offer same-day binding, flexible payment plans, and immediate SR-22 filing—services standard insurers rarely extend to high-risk profiles.
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Alabama requires 25/50/25 minimums, but limits this low leave you personally liable for any costs exceeding the policy cap.
Full Coverage
Combines liability, collision, and comprehensive to protect both your liability exposure and your vehicle. Lenders require full coverage for financed or leased vehicles regardless of driving record.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an uninsured or underinsured driver hits you. Alabama does not require UM coverage, but 13–15% of Alabama drivers operate without insurance.
Collision Coverage
Covers damage to your vehicle after an at-fault accident or collision with an object. Requires a deductible, typically $500–$1,000, which you pay out of pocket before the insurer covers the rest.