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  • Our Promise to You
  • Get a quote
    • Make a Payment
    • Accessibility Statement
  • Personal Insurance
    • Personal Auto Insurance
    • SR22 Insurance
    • Home Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Home Warranty Appliances
    • Home Warranty Utility Lines
    • Vacant Property Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • RV Insurance
    • Watercraft Insurance
    • Flood Insurance
  • Business Owners Insurance
    • Commercial Property Insurance
    • General Liability Insurance
    • Umbrella Liability Insurance
    • General Contractors Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Event Insurance
    • Surety Bonds
    • Workers Compensation
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
  • Life Insurance
    • Final Expense Insurance
  • Locations
  • Join Our Team
  • Agent Login

SR22 Insurance to fit your budget and needs

Low Cost SR22 Insurance

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​What is SR-22 or SR-22A Insurance?
You may never hear the term SR-22 or SR-22A until you tangle with the legal system.
  • That has led to a lot of confusion about SR-22 or SR-22A requirements and your insurance options. Drivers eager to get back on the road need to understand exactly what an SR-22 or SR-22A certificate is and how it affects their choices.
  • If you need an SR-22 or SR-22A, you are going to pay more for car insurance than you otherwise would. But not all companies penalize you equally, so compare auto insurance quotes to get the best possible price or check out non-owner car insurance if you don't own a car.
  • And you will not pay a penalty forever. Keep your record clean and stay insured and you could be paying standard rates again in just a few years.
What is an SR-22 or SR-22A?
  • An SR-22 or SR-22A certification is a form that is filed with the state, not a type of insurance.
  • An SR-22 or SR-22A certificate of financial responsibility verifies that the named individual is carrying at least the state-mandated amount of car insurance. The insurance company is guaranteeing to the state that you're maintaining coverage and are financially responsible for any accidents, and it will let the state know if you do not.
Why is an SR-22 or SR-22A required?
Many associate the need for an SR-22 or SR-22A with drivers who have a DUI on their record. If this is the case for you, read about DUI insurance. In reality, the SR-22 or SR-22A can be required for a variety of reasons, depending on where you live.
Common circumstances that result in an SR-22 or SR-22A requirement include the following:
  • DUI or DWI or other major alcohol violation conviction
  • Serious moving violation conviction, such as reckless or negligent driving
  • Several traffic offenses in a short time period
  • Driving without insurance conviction
  • Being involved in an accident while driving without insurance
  • Being caught by the state not carrying car insurance on your registered vehicle
  • A requirement for you to obtain a hardship or probationary license
  • A requirement to reinstate your driver's license after a suspension or revocation.
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  • Meeting the SR-22 or SR-22A requirement can help you get your license and/or registration reinstated and thus get you back on the road. You'll know it's required when you're informed by the court or state. The notification should inform you why an SR-22 or SR-22A is required, the insurance requirements and how long the SR-22 or SR-22A form must stay on file with the state.
  • A form called the FR-44 is similar to the SR-22 or SR-22A but requires drivers to carry much higher liability limits. It is currently only required in Florida and Virginia for drivers who have been convicted of certain alcohol-related violations.
  • Car insurance companies can charge a one-time filing fee, generally it is $25, and that is all the SR-22 or SR-22A will cost you.
  • However, the violation that resulted in an SR-22 or SR-22A requirement will affect your auto insurance premium.  In short, it’s your infraction -- not the SR-22 or SR-22A -- that will hike up your rates. Your rate will jump by an average of 89 percent for an SR-22 or SR-22A filing with one DUI, or about $1,300 more, a year.
  • If the violation is serious, which most on the SR-22 or SR-22A list are, you can expect your car insurance rates to go up drastically. Rates for drivers like you can vary by thousands of dollars – but fortunately, our agency will compare car insurance quotes from companies that offer SR-22 or SR-22A filings.
​WANT TO OPEN YOUR OWN LOCATION?
​Our turn-key operation is a one of a kind in the industry. We offer high commissions and renewal payout rates, as well as access to more than 50 competitive insurance companies.
JOIN OUR TEAM
Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact Gene or Allen at (205) 776-1680.
​Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency. Our agents focus on client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest. ​