Non-owner car insurance in Alabama
A policy in your own name covers the harm you cause to others when you borrow or rent a car. Choose this coverage when you drive during most months, or when you have no car but need an SR-22. If the car's owner lives with you, add yourself to their policy instead.
- $39 a monthtypical price for a 40-year-old with a clean record, or $469 a year
- Auto-Ownersusually the cheapest company, at $203 a year
- 25/50/25lowest limits the state allows
Who provides non-owner coverage in Alabama?
Prices were collected for 8 companies, listed from least expensive to most. Only military families can buy from USAA, which charges $163.
| Company | Per year | Per month |
|---|---|---|
 USAA (military families) | $163 | $14 |
 Auto-Owners | $203 | $17 |
 Travelers | $434 | $36 |
 Progressive | $479 | $40 |
 Country Financial | $497 | $41 |
 GEICO | $525 | $44 |
 Farmers | $707 | $59 |
 Nationwide | $913 | $76 |
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. Using the same driver as the earlier prices, this study of Alabama prices finds the state is the 25th cheapest out of 50. Who sells it in Alabama.
What coverage does an Alabama non-owner policy have to include?
Under the Code of Alabama 1975, section 32-7-6 sets the minimum liability limits for drivers here. When one person is hurt, the required minimum is $25,000; if several people are injured in one crash, the limit goes up to a $50,000 cap. You must carry $25,000 in coverage for damage to someone else's property. Alabama Department of Revenue's page on required liability coverage explains this law; Alabama Department of Insurance's auto FAQ lists the same 25/50/25 figures.
When you cause a crash, liability coverage pays the other people involved. Fixing a car you borrowed is not included in this coverage. The Department of Revenue adds one local detail on top of that. The policy must be issued within Alabama by an insurer approved to offer auto liability coverage in the state.
Alabama's SR-22: the end date is set by ALEA
In Alabama, no SR-22 has a set length; your personal end date is entered by ALEA on the DI-46A reinstatement form. A non-owner policy covers you as the driver, and with no car it can carry that filing.
Your insurer files a certificate called an SR-22 to show the state you have liability coverage. To reinstate your license in Alabama, the Driver License Division of ALEA will ask for one. Only the items that you need show up on its Request for Reinstatement Requirements form (DI-46A). The date your filing has to stay active is filled in by ALEA after the SR-22 box is checked.
There is a separate rule about timing. The form instructs you to wait on sending the fee and the SR-22 until all tickets are resolved and any hearing concludes. ALEA's reinstatement page lists these fees: a suspended or cancelled license costs $100, a revoked one costs $175, and alcohol or drug cases are $275. Personal checks are not accepted by ALEA.
Having no car is not a problem here. The SR-22 can sit on a non-owner policy until ALEA's date passes.
Cancellation notices and hardship licenses for Alabama drivers
When a full license is pulled, ALEA may give some revoked drivers a hardship license, which is a restricted license. ALEA's rule 760-X-1-.24 on hardship licenses says a revoked driver with an SR-22 obligation must carry it the whole time. A DUI under Section 32-5A-191 disqualifies you for the license under this rule. The rule also refuses a license to any driver whose moving violation resulted in a serious injury or a death.
That progress can be lost if you miss a payment. The FAQ from the insurance department says a premium you do not pay gives you 10 days' notice before the insurer cancels. For any other reason, the notice period is 20 days. If you pay on time, the filing stays in force until your end date arrives.
What you pay in Alabama, by age
Teen drivers pay roughly $1,341 each year. A 40-year-old driver who carries the minimum on an owned car averages $574 a year, which is about $105 higher than a non-owner policy's $469.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $1,393 | $1,289 |
| 20 to 24 | $672 | $650 |
| 25 to 64 | $463 | $468 |
| 65 and over | $507 | $472 |
All figures are yearly, for a clean record, at the minimum limits. For ages 25 to 64, the study's 25-to-60 rates are used; for ages 65 and over, its 65-to-75 rates are used.
Get a non-owner quote in Alabama
A licensed agent who writes policies in Alabama takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598