ALABAMA SR22 INSURANCE
Alabama SR22 INSURANCE
Table of Contents
ALABAMA SR22 INSURANCE
An Alabama SR-22 car insurance form is often referred as SR-22 Financial Responsibility Insurance Form. This is a special insurance form that will reveal to Alabama authorities that the owner or driver of the vehicle is fiscally responsible for maintaining continuous car insurance, meeting the minimum liability insurance requirements as outlined by the state. Both the insurance company and the driver or owner of the motor vehicle will need to file an SR-22 form with the Alabama Department of Public Safety. This is to ensure that the department of motor vehicles can be confident that those on its roadways are safe and insurance will be in place, in the event of an accident.
- Why would I need to file an SR-22?
- How much does an SR-22 cost in Alabama?
- Alabama minimum car insurance requirements
- Alabama DUI laws and SR-22 Insurance
- Different Types of Alabama SR-22 Insurance Forms
Why would I need to file an SR-22?
In Alabama, your driver’s license can be revoked for the following reasons:
- Manslaughter or homicide by vehicle.
- You have been convicted of driving or being in actual physical control of any vehicle while under the influence of alcohol or under the influence of a controlled substance.
- You have been convicted of a felony in the commission of which a motor vehicle is used;
- You failed to stop, render aid, or identify yourself in a motor vehicle accident resulting in the death or bodily injury of another.
- You committed perjury or the making of a false affidavit or statement under oath to the Director of Public Safety.
- You have been convicted upon three charges of reckless driving committed within a period of 12 months.
- You have been convicted of unauthorized use of a motor vehicle belonging to another.
In the state of Alabama, your driver license can be suspended either administratively by the Alabama Law Enforcement Agency (ALEA) or by court order for the following reasons:
- You have committed an offense for which mandatory revocation of license is required upon conviction. For example: you have been arrested for driving while under the influence. The ALEA can suspend your license pending the resolution of your case as a conviction would cause your license to be revoked.
- You have been convicted with such frequency of serious offenses against traffic regulations governing the movement of vehicles as to indicate a disrespect for traffic laws and a disregard for the safety of other persons on the highways. Alabama assigns a point value for moving violations and your license is subject to being suspended if you are assigned a specific number of points over a two year period.
How much does an SR-22 cost in Alabama?
If you need SR22 insurance, you get placed into the high-risk or non-standard driver category, which affects your car insurance rates. High-risk drivers typically pay the highest car insurance rates. In addition to your driving record, there are many other things that help determine your SR22 car insurance rates, including the company you choose, your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance is because of a DUI. On average, drivers with one DUI conviction in Alabama pay $1,919 per year for car insurance. That’s 55 percent more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from.
Auto insurance with an SR-22 in Alabama can be expensive. This isn’t because obtaining the SR-22 certificate is expensive — typical filing fees run just $15 to $35 — but thanks to the insurance premium increases triggered by the driving citation that necessitated the SR-22.
Alabama minimum car insurance requirements
Drivers convicted of a serious traffic violation need to file an SR-22 to prove they meet Alabama’s minimum car insurance requirements. These requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Alabama DUI laws and SR-22 Insurance
In Alabama, the legal blood alcohol limit is 0.08% (0.02% for underage drivers). If you are caught operating a motor vehicle with a blood alcohol level above the limit, you will be charged with a DUI. If you are convicted, your driver’s license will likely be suspended or revoked.
- First conviction – 90 day suspension
- Second conviction in 5 years – 1 year revocation
- Third conviction – 3 year revocation
- Fourth or subsequent conviction – 5 year revocation
Alabama has an Implied Consent Law. This means that if you operate a motor vehicle on the roads in Alabama, you are accepting the fact that, if asked to do so, you will be required by law to submit to a blood alcohol test. Refusing to submit to a blood alcohol test will automatically result in a conviction and a suspension of your driver’s license.
In order to get your driver license reinstated after it has been suspended or revoked, you will need to pay a reinstatement fee of $275. You will also need to purchase an AL SR22 insurance policy.
Different Types of Alabama SR-22 Insurance Forms
Alabama has two types of SR-22 car insurance forms:
- Owner SR-22 insurance
- Non-owner SR-22 insurance
Owner SR-22 insurance
A standard auto insurance policy on a vehicle titled in your name with the state of Alabama, with an SR-22 certificate of financial responsibility attached. This insurance form are given to driver’s who currently own the vehicle.
Non-owner SR-22 insurance
Non owner SR22 insurance Alabama is a high risk insurance certificate for license reinstatement. It is for people who don’t own a car, but need to be insured when driving a borrowed car on occasion. Rather than insuring a vehicle, it insures the policyholder when they drive a non-owned vehicle. Non owner SR22 insurance pays claims if claims exceed the vehicle owner’s insurance coverage.
If your license is suspended and you don’t own a vehicle, you’ll need non owner SR22 insurance Alabama to reinstate your license. It’s illegal in Alabama to drive without minimum liability insurance coverage, even if you don’t own a vehicle. SR22 insurance is required for Alabama license reinstatement, Further, it is a guarantee to the state that if you drive a borrowed vehicle, you’re properly insured if you cause an accident.
Bottom line
After losing your license, being convicted of a DUI or getting caught without insurance, you can file for SR-22 coverage to get back on the road. You’ll need to prove to the state of Alabama that you’re covered by the state’s minimum car insurance requirements for three to five years.
Once you’re no longer required to have SR-22 insurance, you might see your car insurance premiums go up, but it’s worth it to know your driving record is getting back on the right track. Even after an SR-22, you’re not without options for car insurance coverage. Compare car insurance providers to get an idea of which providers have the best options for your situation.
Get Insured Today
SR-22 Insurance is working every day to help Alabama drivers obtain the coverage they need to legally drive. We work with many customers seeking high-risk Alabama SR-22 insurance at the lowest possible rates. If you suspect that your current or previous auto insurance company has been overcharging you, allow us to show you a quote that you’ll love.
Visit our website to get your FREE auto insurance quote, or give us a call to discuss setting up a new policy over the phone.
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