Cheapest SR-22 Car Insurance in Alaska (2024)

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.

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.

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.

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

• State Farm: $412 per year
• GEICO: $417 per year

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.

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.

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.

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.

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.

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.

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