Alabama Auto Insurance After a DUI or Violation
Alabama requires 25/50/25 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversAlabama 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
None
No age-based renewal rule and no vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Alabama
After a DUI or major violation in Alabama, your current insurer will likely send a non-renewal notice—meaning your policy stays active until the end of your term, but won't be renewed. This gives you 30 to 60 days to find replacement coverage, which you'll need to obtain from a carrier that accepts high-risk drivers. Alabama typically requires you to carry an SR-22 certificate for three years, proving continuous liability coverage at state-mandated minimums.
SR-22 Certificate Filing
Liability Insurance
Non-Standard Auto Insurance
Comprehensive and Collision Coverage
Uninsured Motorist Coverage
What Drivers Pay in Alabama
$147–$157/mo
Typical monthly rate in Alabama, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Time since violation: rates begin to decrease after 3 years and normalize significantly after 5 years
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Required by state law
Ala. Code 27-13-120 (55+, appropriate reduction, insurer-set)
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage designed for drivers with DUIs, suspensions, or serious violations who cannot qualify for standard policies. Rates are significantly higher, but it's often the only option immediately after a violation.
Non-Standard Auto Insurance
Policies from carriers that specialize in drivers who don't qualify for preferred or standard rates due to violations, lapses, or claims history.
SR-22 Insurance
A liability policy that includes an SR-22 certificate filed with the state, proving you meet Alabama's minimum coverage requirements after a violation.
Liability Insurance
Coverage that pays for injuries and property damage you cause to others. Required by Alabama law and the foundation of any SR-22 policy.