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For Alaska drivers, the cheapest SR-22 car insurance for minimum coverage is from State Farm at $368 annually and Umialik Insurance at $402 annually. For full coverage, State Farm is most affordable at $789 per year, followed by Umialik Insurance at $943 per year. For non-owner SR-22 car insurance in Alaska, State Farm and GEICO are the cheapest at $412 and $417 annually, respectively.

Committing a serious driving offense like driving under the influence (DUI) may require you to file an SR-22 form. This demonstrates proof of financial responsibility. While it can increase your costs, there are affordable insurance options.

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2023

Cheapest Companies for SR-22 Car Insurance in Alaska

Cheapest Companies for SR-22 Car Insurance in Alaska

If you’re looking for minimum coverage, these companies offer the cheapest SR-22 insurance in Alaska for drivers with serious violations:

  • State Farm: $368 per year
  • Umialik Insurance: $402 per year

For full coverage SR-22 policies, these companies have the cheapest rates in Alaska:

  • State Farm: $789 per year
  • Umialik Insurance: $943 per year

Car insurance rates typically increase after a driving violation because insurance companies consider the driver to be a higher risk. However, it is still possible to find cheap SR-22 car insurance coverage by comparing rates. MoneyGeek found the cheapest options in Alaska, ranging from $368 to $1,430 per year.

Company
Annual Premium
Monthly Premium

State Farm

$300

$25

State Farm

$322

$27

State Farm

$343

$29

State Farm

$343

$29

GEICO

$347

$29

GEICO

$352

$29

State Farm

$353

$29

GEICO

$356

$30

State Farm

$368

$31

State Farm

$368

$31

State Farm

$377

$31

GEICO

$380

$32

Umialik Insurance

$385

$32

Umialik Insurance

$385

$32

Umialik Insurance

$385

$32

Umialik Insurance

$385

$32

GEICO

$386

$32

GEICO

$397

$33

Umialik Insurance

$402

$33

Umialik Insurance

$402

$33

Umialik Insurance

$402

$33

Umialik Insurance

$402

$33

State Farm

$403

$34

State Farm

$403

$34

State Farm

$404

$34

Allstate

$411

$34

State Farm

$443

$37

GEICO

$470

$39

Allstate

$471

$39

GEICO

$487

$41

GEICO

$491

$41

Allstate

$514

$43

Allstate

$551

$46

GEICO

$585

$49

Allstate

$589

$49

Umialik Insurance

$590

$49

Umialik Insurance

$590

$49

Umialik Insurance

$590

$49

Umialik Insurance

$590

$49

Allstate

$629

$52

Allstate

$630

$52

Progressive

$640

$53

State Farm

$644

$54

GEICO

$659

$55

Allstate

$689

$57

State Farm

$699

$58

GEICO

$701

$58

GEICO

$705

$59

Progressive

$711

$59

Allstate

$722

$60

Allstate

$722

$60

State Farm

$727

$61

State Farm

$727

$61

Progressive

$740

$62

GEICO

$750

$62

GEICO

$757

$63

Progressive

$758

$63

GEICO

$774

$64

State Farm

$789

$66

State Farm

$789

$66

State Farm

$794

$66

GEICO

$822

$69

State Farm

$829

$69

Progressive

$833

$69

Allstate

$843

$70

Allstate

$845

$70

Umialik Insurance

$859

$72

Umialik Insurance

$859

$72

Umialik Insurance

$859

$72

Umialik Insurance

$859

$72

State Farm

$861

$72

Progressive

$862

$72

GEICO

$865

$72

Allstate

$879

$73

Progressive

$911

$76

State Farm

$936

$78

State Farm

$936

$78

Progressive

$938

$78

Umialik Insurance

$943

$79

Umialik Insurance

$943

$79

Umialik Insurance

$943

$79

Umialik Insurance

$943

$79

Progressive

$956

$80

GEICO

$959

$80

Progressive

$981

$82

GEICO

$1,003

$84

Allstate

$1,007

$84

State Farm

$1,023

$85

Progressive

$1,059

$88

Allstate

$1,068

$89

GEICO

$1,070

$89

Allstate

$1,072

$89

Progressive

$1,132

$94

Progressive

$1,179

$98

Allstate

$1,230

$102

GEICO

$1,239

$103

Progressive

$1,266

$106

Allstate

$1,287

$107

Allstate

$1,293

$108

Allstate

$1,311

$109

GEICO

$1,313

$109

Umialik Insurance

$1,380

$115

Umialik Insurance

$1,380

$115

Umialik Insurance

$1,380

$115

Umialik Insurance

$1,380

$115

GEICO

$1,408

$117

Progressive

$1,430

$119

Progressive

$1,435

$120

Allstate

$1,477

$123

Allstate

$1,483

$124

Progressive

$1,550

$129

Allstate

$1,580

$132

Allstate

$1,587

$132

Progressive

$1,665

$139

Progressive

$1,688

$141

Progressive

$1,726

$144

Progressive

$1,765

$147

Progressive

$1,815

$151

Progressive

$1,985

$165

Progressive

$1,987

$166

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What Is SR-22 in Alaska?

The SR-22 is a certificate of financial responsibility, which is a document that proves that you have car insurance. It is not a type of insurance policy, but it is a requirement imposed by some states on drivers who have been convicted of certain driving offenses, such as a DUI or reckless driving.

The purpose of an SR-22 is to ensure that drivers who have been convicted of these offenses have the financial means to pay for any damages they may cause in the event of an accident. In most cases, you will need to keep your SR-22 on file for three years in Alaska, but the filing period depends on the severity of your offense.

Your insurance provider handles the completion and submission of the SR-22 form in Alaska to the Department of Motor Vehicles (DMV) on your behalf. Filing for an SR-22 can result in higher insurance rates since you are considered a high-risk driver.

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Once you have fulfilled your financial responsibility requirements in Alaska, your insurance company will file a Financial Responsibility Cancellation Form to notify the state that your mandatory SR-22 filing period has ended. This means that you don’t need to have high-risk insurance anymore, and you will be able to drive with a standard policy.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Alaska

The two most affordable companies for non-owner SR-22 insurance in Alaska are:

USAA is also a good option for military members and their families, offering non-owner SR-22 car insurance at an annual premium of $364.

Even if you don't own a car, you may still need to file an SR-22 based on the circumstances. Non-owner car insurance is required if your car has been totaled, taken away or you need to reinstate your license. To help you explore your options, we found the cheapest non-owner auto insurance rates in Alaska, ranging from $412 to $1,184 per year.

Company
Annual Premium
Monthly Premium

GEICO

$313

$26

State Farm

$363

$30

State Farm

$412

$34

GEICO

$417

$35

Progressive

$821

$68

Progressive

$1,184

$99

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance is a type of insurance that protects you if you are driving a car that you do not own. It is typically purchased by people who do not own a car but need to drive on a regular basis. For example, renters, rideshare drivers, professional drivers and those who must file an SR-22 form may all need non-owner car insurance.

If you’re shopping for cheap non-owner car insurance in Alaska, be sure to compare rates from multiple insurers.

Average Cost of SR-22 Car Insurance in Alaska

The average cost of SR-22 insurance in Alaska for a driver with a DUI on their record is approximately $572 per year for minimum coverage and $1,171 per year for full coverage. You might also be required to file an SR-22 form for other offenses like speeding or at-fault accidents. These offenses can also result in increased insurance rates since high-risk drivers are more likely to file claims, making them potentially more costly to insure.

Driving Record
Annual Premium
Monthly Premium

At-Fault Accident

$1,179

$98

At-Fault Accident

$657

$55

Clean

$393

$33

DUI

$572

$48

Ticket

$557

$46

DUI

$1,171

$98

Clean

$462

$39

Ticket

$503

$42

At-Fault Accident

$577

$48

Clean

$1,031

$86

DUI

$1,344

$112

Ticket

$580

$48

DUI

$1,229

$102

At-Fault Accident

$645

$54

At-Fault Accident

$1,237

$103

Clean

$850

$71

Clean

$420

$35

Ticket

$1,237

$103

Ticket

$1,044

$87

DUI

$637

$53

DUI

$633

$53

Ticket

$1,087

$91

Clean

$849

$71

At-Fault Accident

$1,375

$115

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Insurance rates can change, so it's important to compare SR-22 insurance prices at your renewal date or annually to make sure you're getting the best deal. There are many different insurance companies in Alaska, so it's worth taking the time to shop around. You can use online tools to compare rates quickly.

How SR-22 Affects Car Insurance Rates in Alaska

Filing an SR-22 can increase your car insurance rates because it indicates that you are a high-risk driver. Insurance companies charge increased rates to high-risk drivers because they are more likely to file claims.

The severity of the offense, the state in which you live and your driving history can all affect how much your rates go up after filing an SR-22. In general, drivers who have been convicted of more serious offenses will see the biggest increase in rates. Drivers in Alaska can anticipate an average rate increase of $146 for minimum coverage after a DUI.

Car Insurance Rate Comparison Based on Driving Records in Alaska

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$426
accident2
After a DUI

Annual Premium for Minimum Coverage

$572
Car insurance premiums after a DUI are on average:$146 more

This is 34% more expensive.

Other Effects of SR-22 on Car Insurance in Alaska

In addition to higher premiums, filing an SR-22 form in Alaska can lead to limited insurance options, potential policy cancellation and other consequences that we have outlined below.

1

Limited insurance options

Some insurance companies may not be willing to offer you a policy if you have a recent DUI or other traffic violation. This can reduce your access to affordable options or coverage offerings that you might want.

2

Possible policy cancellation

DUI and reckless driving are considered high-risk behaviors, and insurance companies might be more likely to cancel your policy if you are convicted of either offense.

3

Length of required filing

In Alaska, most drivers who are required to file an SR-22 will need to do so for three years. However, the filing period can be longer for drivers who have been convicted of more serious offenses.

4

Filing fees

In some states, you could be required to pay a one-time filing fee for an SR-22 form. The cost of this fee can range from $15 to $50.

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How to Get SR-22 Insurance in Alaska

To find auto insurance after a violation in Alaska, you will need to do the following:

  1. Find an insurance company that covers drivers with violations on their records.
  2. Get an insurance policy that meets Alaska's minimum liability requirements.
  3. Request that your insurance company files the SR-22 form on your behalf.
  4. Ensure timely payment of any applicable fees and keep the SR-22 form up to date.

By following these steps and maintaining an active SR-22 form, you can fulfill the necessary requirements and continue driving legally in Alaska.

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ALASKA LICENSE REINSTATEMENT FEE

The cost of reinstating a driver's license in Alaska varies depending on the reason for the suspension. Costs can range from $100 to $500. For non-DUI-related suspensions, the cost is $100 for one action. Prices go up with more DUIs or refusals. These fees are subject to change, so it is always best to check with your local DMV for the most up-to-date information.

How to Get Cheaper Car Insurance in Alaska After a DUI

After a DUI conviction, getting car insurance will typically be more expensive because insurers consider you to be a higher-risk driver. However, there are ways to find more affordable options for SR-22 car insurance.

  • find icon

    Compare quotes immediately

    Insurance companies assess risks and underwriting criteria differently, resulting in varying premiums. By comparing quotes from several providers, you can identify the most cost-effective coverage. Shopping around allows you to find the best car insurance after a DUI in Alaska and potentially save money on your car insurance policy.

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    Complete DUI classes or programs

    Completing DUI classes or programs, such as the Alaska Alcohol Safety Action Program (ASAP), demonstrates your commitment to addressing the issue and can help reduce the probability of future offenses. This may lead to lower perceived risk by insurers and cheaper insurance rates.

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    Look for discounts

    Despite some options like safe driving discounts no longer being available after a DUI conviction, you can still find other ways to save money. These may include discounts for bundling policies or installing safety features in your vehicle.

  • seatbelt icon

    Practice safe driving

    Taking steps to prevent further strikes on your driving record, such as reducing driving distances or driving less often, can help keep your rates more affordable.

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    Shop rates over time

    Even if you currently have a favorable rate, it's important to compare insurance companies again before your policy renews. This allows you to stay informed and potentially switch to a more affordable policy when necessary.

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If you can’t find coverage through standard car insurance policies, non-standard auto insurance is another option for high-risk drivers that have a record of DUIs or multiple accidents. It does not differ in terms of processes or coverage, but it is more expensive due to the increased likelihood of claims.

Frequently Asked Questions About SR-22 Insurance in Alaska

We’ve answered some commonly asked questions and provided insights to help you find cheap SR-22 insurance in Alaska.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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