What is an SR22?
An SR22 is a form you file with your auto insurance company in the event that you are convicted of a major traffic violation and have your license suspended. The file is used to prove to the state of Alabama that you possess the mandatory minimum insurance coverage as a driver.
Who Needs an SR22 in Alabama?
An SR22 filing is required for those who convince a major traffic offense. Some of the violations of this nature include:
- Drinking while under the influence (DUI)
- Reckless driving
- Driving without insurance
- Multiple minor traffic violations (ex. abundance of speeding tickets)
Alabama Mandatory Minimum Insurance Coverage
As previously mentioned, an SR22 is used to prove that you carry the mandatory insurance required for driving. Alabama’s mandatory minimum liability insurance coverage is as followed:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
How Long do You Need to Maintain an SR22 in Alabama?
Usually, an SR22 needs to be maintained in the state of Alabama for three years. However, the state will let you know officially how long it needs to be filed for.
How Much Does SR22 Insurance Cost in Alabama?
Being required to file an SR22 with the state can raise your insurance costs somewhere in the $70 area. Remember, after filing an SR22 you are designated as a “high-risk” driver which can result in an increase in insurance prices across many if not all companies.