SR-22 insurance in Alabama
What Alabama requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Alabama write the policies that carry it, from the state's own pages and the insurance company directory.
Alabama uses the SR-22 filing. Who needs it: Drivers whose license is suspended or revoked after a conviction (DUI, 4+ points, fleeing, racing and others), unlicensed drivers convicted of certain offenses, and people with unpaid accident judgments. How long: 3 years from the date proof was required; release is on request and needs 3 conviction-free years before the request. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Alabama; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Alabama requires
From Alabama Law Enforcement Agency (ALEA), Driver License Division; sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | Drivers whose license is suspended or revoked after a conviction (DUI, 4+ points, fleeing, racing and others), unlicensed drivers convicted of certain offenses, and people with unpaid accident judgments. |
| How long | 3 years from the date proof was required; release is on request and needs 3 conviction-free years before the request. |
| State fees | No state SR-22 filing fee; insurer charges vary. Reinstatement: $100 suspended, $175 revoked, $275 alcohol/drug-related, plus a $150 interlock fee if one is required. |
| Non-owner filing | Accepted. A non-owner (operator's) policy works and the certificate need not list a vehicle. A vehicle owner may give proof for an employee or household member. |
| How it's filed | Your Alabama-authorized insurer files the certificate with ALEA's Driver License Division, or proof may be verified through the state's online insurance verification system. |
| If the policy cancels | Your insurer must give ALEA 10 days' notice before cancelling. ALEA suspends your license and registration until new proof is filed. Whether the 3 years restart: not stated by the state. |
| Minimum liability limits | 25/50/25 (bodily injury per person / per accident / property damage) |
| Who handles it | Alabama Law Enforcement Agency (ALEA), Driver License Division |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in Alabama?
3 years from the date proof was required; release is on request and needs 3 conviction-free years before the request.
Who needs an SR-22 in Alabama?
Drivers whose license is suspended or revoked after a conviction (DUI, 4+ points, fleeing, racing and others), unlicensed drivers convicted of certain offenses, and people with unpaid accident judgments.
Can I get a non-owner SR-22 in Alabama?
Accepted. A non-owner (operator's) policy works and the certificate need not list a vehicle. A vehicle owner may give proof for an employee or household member.
What happens if my policy cancels during the SR-22 period?
Your insurer must give ALEA 10 days' notice before cancelling. ALEA suspends your license and registration until new proof is filed. Whether the 3 years restart: not stated by the state.
Sources
- https://www.alea.gov/dps/driver-license/driver-records-crash-reports-and-driver-license-reinstatements
- https://www.alea.gov/dps/driver-license-forms
- https://www.alea.gov/sites/default/files/inline-files/Updated%20Request%20for%20Reinstatement%20Requirements.pdf
- https://www.alea.gov/online-services/mandatory-liability-insurance
- https://www.alea.gov/dps/driver-license/driver-license-manuals
- https://www.alea.gov/sites/default/files/ALEA%20DL%20Manual.pdf
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.