Cheapest SR-22 Car Insurance in Alaska

Western National provides the cheapest SR-22 insurance in Alaska, with minimum coverage at $61 monthly and full coverage at $150 monthly, about 29% below the state's average rates. While these rates apply to 40-year-old drivers with a DUI on record, State Farm, GEICO, Allstate and Progressive might offer better rates for your specific profile.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Western National dominates Alaska's SR-22 coverage options, leading in five out of seven categories we analyzed. GEICO offers the most affordable rates in the remaining two categories, specifically for young drivers with suspensions and those with other violations.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our analysis provides general winners, but your cheapest insurance options depend on personal factors. The table below shows the five most affordable providers based on your age, gender, coverage needs, credit and driving history.

Western National offers the most affordable SR-22 car insurance across Alaska, with rates starting at $47 per month depending on your city. Below, you can review its rates for major cities in the Last Frontier.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Western National is the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service and useful coverage options, earning the highest overall MoneyGeek score in Alaska. However, you should also consider Progressive, State Farm, Allstate and GEICO in your search.

SR-22 car insurance in Alaska costs $1,198 annually for minimum coverage and $2,341 per year for full coverage policies. The Last Frontier ranks 11th in affordability for minimum coverage and 7th for full coverage nationwide. Monthly premiums can range from $64 to $598, depending on individual driver profiles.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our research shows Fort Yukon has Alaska's lowest SR-22 insurance rates at $82 monthly, while Jber has the highest at $122 per month. Review costs for major cities across the Last Frontier for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Alaska laws, you must carry these minimum liability limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years based on the violation severity, noncompliance with requirements or repeated offenses.

While filing an SR-22 helps meet The Last Frontier's basic insurance requirements, drivers must understand additional regulations that affect their coverage obligations.

In Alaska, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Alaska:

MoneyGeek analyzed hundreds of thousands of quotes across Alaska to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Alaska SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Alaska's minimum coverage requirements, with the following limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.