Updated March 2026
State Requirements
Alabama requires liability insurance with minimum limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). Drivers convicted of DUI, involved in uninsured accidents, or with suspended licenses must file SR-22 proof of financial responsibility with the Alabama Law Enforcement Agency for 3 years. Alabama uses a point system where accumulating 12–14 points within 2 years triggers license suspension, but most point violations do not require SR-22 filing unless accompanied by a suspension.
Cost Overview
High-risk drivers in Alabama pay significantly more than clean-record drivers due to DUI convictions, at-fault accidents, point violations, and SR-22 requirements. Average premiums for liability-only coverage range from $2,400–$4,800 annually for drivers with major violations, while full coverage can exceed $6,000 annually. Rates vary widely by violation type, with DUI convictions typically doubling or tripling premiums compared to a single speeding ticket.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 100–200% while single speeding tickets add 20–40%
- SR-22 filing requirement: adds $15–$50 filing cost plus restricts carrier options to non-standard market
- Number of points on license: drivers approaching the 12-point suspension threshold pay higher premiums than those with minor violations
- Time since violation: premiums decrease gradually as violations age, with most points falling off after 2 years
- Coverage level selected: minimum liability costs less but provides minimal protection; full coverage significantly increases premiums for high-risk drivers
- Carrier availability: non-standard carriers like The General and National General charge more than standard carriers but are often the only option for SR-22 or suspended drivers
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required by Alabama law and the foundation of SR-22 compliance for high-risk drivers.
SR-22 Insurance
Certificate proving continuous insurance coverage filed with Alabama Law Enforcement Agency. Required for DUI, suspension, and uninsured accidents.
Non-Standard Auto Insurance
Policies for drivers with violations, accidents, or lapses who cannot obtain standard market coverage. Higher premiums but legally compliant.
Full Coverage
Liability plus collision and comprehensive, required by lenders for financed vehicles. Highest cost but protects your vehicle and loan obligation.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance. Not required in Alabama but highly recommended given uninsured driver rates.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders but optional if you own your car outright.
