In Alabama, an SR-22 is a certificate your insurer files with the state proving you carry at least the required minimum liability coverage, typically required after a serious violation like a DUI or driving uninsured. In Alabama you generally must keep it on file for 3 years (Ala. Code 32-7-31) - the same duration as Georgia. The difference from Georgia: Alabama does not have an enhanced "SR-22A" tier. The certificate is a filing; the larger cost is usually the higher premium that comes with the high-risk classification.
How long do I need an SR-22 in Alabama?
Generally 3 years (Ala. Code 32-7-31) - the same as Georgia.
Georgia vs Alabama: SR-22 at a glance
| Georgia | Alabama | |
|---|---|---|
| Duration | 3 years | 3 years |
| Enhanced tier | SR-22A (e.g. 2nd no-insurance conviction) | none |
| FR-44 | not used | not used |
Example: After a DUI in Alabama, you may need to keep an SR-22 on file for 3 years so the state has continuous proof of coverage. Unlike Georgia, there is no separate SR-22A tier in Alabama - the standard SR-22 is the certificate used.
What does an SR-22 cost in Alabama?
The filing is a small administrative fee. The bigger cost is usually the higher premium tied to the high-risk classification. A coverage review can help you understand what an SR-22 requirement means for your specific Alabama rate.
Note on FR-44: Alabama does not use the higher-limit FR-44 certificate - it uses the SR-22.
Related: Alabama coverage lapse penalties, Alabama reinstatement steps, SR-22, liability coverage, Alabama auto insurance, the Alabama facts hub. About Olive Cover.