Cheapest SR-22 Car Insurance in Alaska

Western National Insurance offers Alaska's most affordable SR-22 insurance at $733 for minimum coverage and $1,795 for full coverage. The minimum rate is $511 below the statewide average of $1,244, making Western National Insurance about 41% cheaper than typical SR-22 prices in Alaska.

Progressive, the most expensive on our list, costs $1,408 for minimum coverage, actually 26% above the state average and $675 more than Western National Insurance. Alaska's isolated market shows significant price variation between carriers.

The table below shows the five companies with the lowest SR-22 insurance rates in Alaska.

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

Western National Insurance most often appears as the cheapest across categories. The least expensive group is Senior Drivers With a Suspension, costing $705 for minimum coverage SR-22 insurance with Western National Insurance, while the most expensive is Young Drivers With a Suspension, at $1,051 with GEICO. The $347 spread shows how age plays a role in SR-22 pricing even with suspension violations.

Your exact rate will vary according to the violation on your record and how insurers evaluate your risk level.

* 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.

Fort Yukon is Alaska's cheapest city for minimum coverage SR-22 insurance at $566 (Western National Insurance), while Anchorage averages $1,048 (Western National Insurance). That's a $482 difference, or about 85% higher in the state's largest city, reflecting urban traffic patterns and claim activity.

Insurers factor in ZIP-code trends like collision frequency and theft when setting SR-22 prices within Alaska.

* 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.

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.