Restricted License Insurance — Alabama
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
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Alabama
Alabama is a tort state requiring proof of financial responsibility through liability insurance or a posted bond. After DUI conviction or license suspension, Alabama Law Enforcement Agency (ALEA) requires SR-22 filing and Ignition Interlock Device installation for Restricted License eligibility. The IID requirement begins immediately upon court order and continues throughout the restricted license period, typically 90 days to 6 months for first-offense DUI.
Liability Insurance
Comprehensive Coverage
SR-22 Filing
Ignition Interlock Device Coverage
Non-Owner SR-22
What Drivers Pay in Alabama
$199–$345/mo
Typical monthly rate in Alabama, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Alabama allows restricted license holders to drive only IID-equipped vehicles — multi-car households must either equip all vehicles or exclude the restricted driver from non-equipped vehicles, which requires named-driver exclusion endorsements not all carriers offer.
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteIf your license is suspended
Hardship Driver License (Class D, limited privileges)
application fee $36.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I get a Restricted License in Alabama without an Ignition Interlock Device?
No for DUI suspensions — Alabama mandates IID installation for all DUI-related Restricted Licenses, typically for 90 days minimum on first offense and 6–12 months for repeat offenses. Non-DUI suspensions (excessive points, failure to pay fines) may qualify for Restricted Licenses without IID, but you still need SR-22 filing and proof of financial responsibility through liability insurance meeting 25/50/25 minimums.
Can I drive any vehicle with an Alabama Restricted License?
No — Alabama Restricted Licenses limit you to IID-equipped vehicles only. If you own multiple vehicles, you must either install IID in all of them or obtain named-driver exclusion endorsements from your insurer excluding yourself from non-equipped vehicles. Driving a non-IID vehicle violates restricted license terms and triggers immediate license revocation plus criminal charges for driving under suspension.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer with ALEA proving continuous liability coverage. Required for 3 years after DUI, major violations, or suspension for no insurance.
Comprehensive Coverage
Covers vehicle damage from theft, weather, vandalism, and animal strikes. Not legally required but mandatory under IID lease agreements in Alabama.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to satisfy ALEA requirements or maintain license eligibility.
Ignition Interlock Device Insurance
Physical damage coverage protecting the leased IID equipment installed in your vehicle. Alabama-certified providers require proof of coverage before device installation.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Optional in Alabama but rejected in writing at policy inception if unwanted.
High-Risk Auto Insurance
Coverage for drivers classified high-risk due to DUI, suspensions, multiple violations, or lapses. Written by non-standard carriers specializing in SR-22 and restricted license situations.