Penalties for Driving Without Car Insurance in Alabama

Traffic Stop
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Have you considered driving without car insurance in Alabama? It is certainly expensive. And will you ever even use it? Well, that is the thing, we don't really know for sure. What we do know is that it is an Alabama state law to carry car insurance. Accidents do happen, even if you are the most alert defensive driver on the road. Printing a fake proof of insurance is not an option. Need more reasons why not to drive without it?

How about these...

  • A fine of up to $500 for a first violation and up to $1,000 for a second or subsequent violation, a driver's license suspension of up to six months, or both.


  • Vehicle registration suspension, with a mandatory length of four months for second or subsequent violations, plus reinstatement fees of $200 on a first violation and $400 on second and subsequent violations.


When Do I Need to Show Proof of Car Insurance in AL?

  • Verification of coverage upon request of law enforcement during traffic stops and at accident scenes. Drivers must present evidence of insurance to law enforcement on request. An inability or refusal to provide such evidence is a Class C misdemeanor, as is presenting evidence that is knowingly invalid.


  • Verification of coverage at the time of vehicle registration. License plate issuing officials are required to obtain confirmation of insurance at the time an owner first applies for vehicle registration or for renewal of registration. This is done by the use of the Alabama Online Insurance Verification System or by viewing the evidence of insurance document.


    • Verification of coverage by the Department of Revenue. Alabama's Department of Revenue routinely sends out requests for insurance information to owners: 1) whose registrations have been suspended; 2) who have been convicted of mandatory liability insurance violations, and; 3) whose driving privileges have been suspended or revoked.


      Stiffer penalties apply to driver's who intentionally provide false proof of insurance, including a six-month vehicle registration suspension with a $200 reinstatement fee and requirement to carry SR22 insurance for three years.

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