Alabama's Penalties for Uninsured Cars

When Alabama implemented its Mandatory Liability Insurance

Law in 2013, lawmakers included in the statute a tier of costly

penalties for those caught driving without proper Alabama car

insurance.

These penalties include:

✗ First offense: $500 fine;

✗ Second or subsequent offense: $1,000;

✗ Suspension of your driver’s license for 6 months;

✗ Suspension of your car registration;

✗ Second or subsequent offense: an automatic four-month

suspension of your car registration.

After all initial penalties are paid and any suspensions

discharged, you will owe additional fees to reinstate your car

registration.

✗ First offense: $200

✗ Second or subsequent offense: $400

Alabama law also requires you obtain an SR-22 Certificate, also

known as a “certificate of insurance,” and provide this to the

Alabama Department of Motor Vehicles when reinstating your

driver’s license. Any state-authorized agent can help you through

the process. The SR-22 is not insurance, but proof of insurance

as provided by your car insurance agency.

So, if you are not currently covered by an Alabama auto policy,

next time you pick up your keys, weigh the cost of penalties,

reinstatement fees, waiting in line, and not having a license to

the peace of mind that comes with knowing you are Alabama

insurance compliant, and get in touch with an agent ASAP.

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