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Alabama DUI & License Suspension: What Happens Next

Alabama requires 25/50/25 liability coverage and is an at-fault state.

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Alabama at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Alabama

After a DUI or serious violation in Alabama, your current insurance carrier will typically issue a non-renewal notice rather than an immediate cancellation — meaning your coverage continues until your policy term ends, but won't be renewed. Alabama typically requires drivers with DUIs, multiple violations, or license suspensions to file an SR-22 certificate with the state to prove they carry minimum liability coverage. Not all carriers offer SR-22 filing, so you'll likely need to switch to a non-standard auto insurer who specializes in high-risk drivers.

SR-22 Certificate

SR-22 is not insurance — it's a certificate your insurer files with the state proving you carry the required minimum liability coverage. In Alabama, this filing is typically required for 3 years following a DUI or major violation. Your insurer files it electronically with the state, and any lapse in coverage triggers a notification that can restart your filing period or extend your suspension.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers charge higher premiums to offset the increased risk, but they offer SR-22 filing and accept drivers that standard carriers won't. Most Alabama drivers with a DUI will need to move to this market for at least 3–5 years.

Liability Insurance

After a violation, you must maintain continuous liability coverage without any lapses — even a single day gap can reset your SR-22 filing period and extend your suspension. Many violation drivers carry only these minimums to reduce cost, but this leaves you personally liable for damages above these limits.

High-Risk Auto Insurance

High-risk auto insurance is the broader category that includes non-standard policies, SR-22 filings, and coverage for drivers with suspensions, DUIs, or multiple violations. Rates begin to decrease after 3–5 years of violation-free driving, at which point you may qualify to move back to a standard carrier.

Full Coverage

Full coverage (liability plus collision and comprehensive) is typically required if you have a car loan or lease, even with a DUI on your record. If you own your vehicle outright and it has low value, dropping to liability-only can cut your premium significantly.

What Drivers Pay in Alabama

$227–$255/mo

Typical monthly rate in Alabama, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation: rates decrease gradually after year 3, with most violations falling off driving records after 5 years in Alabama
  • Carrier availability: fewer carriers compete for high-risk business in Alabama, limiting your ability to shop for lower rates
  • Credit score: Alabama allows insurers to use credit-based insurance scores, which can compound rate increases for violation drivers
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Get Back to a Fair Rate After a Violation

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Coverage Types

SR-22 Insurance

The certificate filing required by Alabama to prove you carry continuous liability coverage after a DUI or serious violation. The filing itself costs $15–$50, but the underlying non-standard policy is where rates increase 50–200%.

Non-Standard Auto Insurance

Coverage from carriers that specialize in high-risk drivers with DUIs, violations, or suspensions. This is the market you'll need to enter after a violation in Alabama, as most standard carriers will non-renew your policy.

High-Risk Auto Insurance

The umbrella category for all policies serving drivers with violations, suspensions, or DUIs. Includes SR-22 filings and elevated premiums that persist for 3–5 years before you can transition back to standard coverage.

Liability Insurance

The minimum coverage required by Alabama law, typically 25/50/25. After a violation, maintaining continuous liability coverage without any gaps is critical to avoid restarting your SR-22 filing period.

Find Your City in Alabama

Huntsville

urban

Birmingham

urban

Montgomery

urban

Mobile

urban

Tuscaloosa

suburban

Dothan

urban

Auburn

suburban

Decatur

urban