Who Needs SR22 Insurance in Alabama?

Some Alabama drivers might need SR-22 auto insurance.

In the state of Alabama, high-risk drivers may be required to carry SR-22 auto insurance if they commit various driving-related infractions. Alabama SR-22 insurance is available through the driver's insurance company, but must be filed for up to three consecutive years with the Alabama Motor Vehicle Division.

License Suspension or Revocation

If your driver's license is suspended or revoked in Alabama, you are required to obtain SR-22 insurance in order to get your license back. The addition of SR-22 coverage to your insurance policy may raise your premium, and you will also be responsible for a $15 to $30 filing fee with the state.

DUI and Reckless Driving

In Alabama, drivers that have been classified as high-risk because of reckless driving citations or driving under the influence convictions may be required by the state to purchase additional SR-22 auto insurance.

Uninsured or At-Fault Drivers

If you are in an accident in Alabama but cannot pay for damages because of lack of auto insurance, you may be required by the state to purchase SR-22. Drivers with unsatisfactory judgments, such as those who may have judged as "at fault" after an accident, may also require SR-22.

References

• SR22 Guide: Alabama SR-22 Insurance
• DMV: Filing the Alabama SR-22 Insurance Form

Resources

• Alabama Department of Revenue: Motor Vehicle Division