Cheapest SR-22 Car Insurance in Alaska (August 2024)


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An SR-22 is not a car insurance policy but a certificate proving you meet minimum coverage requirements after certain driving violations. You or your insurance company files it. While the SR-22 doesn't directly affect your rates, the violations leading to its requirement can lead to higher premiums in Alaska.

For minimum liability coverage, Umialik Insurance offers the most affordable option at an average of $458 per year, closely followed by State Farm at $531 per year. For those who don't own a car but still need SR-22, State Farm provides the most cost-effective non-owner policy at around $412 annually, with GEICO as a close second at $417 per year.

MoneyGeek Logo IconCheapestSR-22 InsuranceAlaska
2024

Cheapest Companies for SR-22 Car Insurance in Alaska

Why Trust MoneyGeek? We obtained data from the Alaska Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

7,908Quotes Analyzed
 
6Companies Compared
 
13ZIP Codes

Cheapest SR-22 Car Insurance in Alaska

The cheapest companies for state minimum coverage SR-22 car insurance in Alaska are:

  • Umialik Insurance: $38 per month; $458 per year
  • State Farm: $44 per month; $531 per year

The least expensive providers for full coverage car insurance SR-22 insurance in Alaska are:

  • Umialik Insurance: $93 per month; $1,119 per year
  • State Farm: $97 per month; $1,168 per year

After a moving violation, expect to pay more for car insurance because insurers view you as a high-risk driver. Still, cheap SR-22 car insurance is available. It's key to compare quotes from various insurers. In the Last Frontier, finding the cheapest provider for your SR-22 insurance can significantly affect your annual expenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
Umialik Insurance$458$38
State Farm$531$44
Progressive$565$47
Allstate$701$58
GEICO$981$82
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Cheapest Non-Owner SR-22 Car Insurance in Alaska

The companies with the cheapest non-owner SR-22 insurance in Alaska are:

  • State Farm: $34 per month; $412 per year
  • GEICO: $35 per month; $417 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but need to file an SR-22 due to license suspension, revocation or serious traffic violations. It's crucial for non-owner drivers to find the most affordable provider to ensure they meet legal obligations without overpaying.

State Farm$412$34
GEICO$417$35
Progressive$1,184$99
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for individuals who often drive but don't own a car. It's a good fit for those using rental cars or working as rideshare drivers. This insurance will cover third-party bodily injury and property damage if you're at fault in an accident.

Non-owner vehicle insurance in Alaska is typically more affordable than standard insurance. It's wise to compare quotes from multiple insurers to ensure you get the best deal.

What Is SR-22 in Alaska?

An SR-22 is not insurance but a certificate proving you have minimum car insurance requirements. In Alaska, you or your insurer must file an SR-22 after certain violations, like a DUI, driving without insurance and repeat traffic offenses. You must maintain it for three years, and if your SR-22 is canceled or lapses, your insurer will notify the state's Public Safety Department.

An SR-22 in Alaska verifies that you carry the following minimum coverage:

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

Even without a car, you'll need SR-22 non-owner car insurance. Remember, having an insurance card is not the same as having an SR-22.

Who Needs an SR-22 in Alaska?

Drivers in Alaska may need to file an SR-22 through their insurance company after certain driving offenses. This form proves you have the state minimum auto insurance. It's necessary to keep your driver's license if you've committed a serious traffic violation like a DUI. A set of specific convictions will trigger the need for an SR-22. These include major infractions and instances where you must reinstate a suspended license. Typically, you must maintain this for three years, with your insurer obligated to notify the state if your coverage lapses.

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    DUI

    Driving under the influence of alcohol or drugs in Alaska requires SR-22 insurance for reinstatement.

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    Uninsured Driving

    If caught driving without minimum coverage and can't provide proof of auto insurance in Alaska, SR-22 insurance is necessary to regain driving privileges.

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    Major Traffic Violations

    Serious traffic offenses in Alaska, like reckless driving, may lead to a mandate for SR-22 insurance.

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    License Reinstatement

    After a license suspension in Alaska, SR-22 insurance proves you have the state's required minimum coverage.

How an SR-22 Impacts Your Car Insurance in Alaska

Having an SR-22 in Alaska means you might pay more for car insurance and have fewer choices. You could even be denied insurance or lose your current policy mid-term. Remember, it's important to keep your insurance active. If you let it lapse, you might have to restart your SR-22 requirement. In Alaska, an SR-22 is usually required for three years.

Knowing the risks of not filing an SR-22 can help you stay on the right side of the law and keep your insurance in good standing. These are the ways an SR-22 can affect your car insurance negatively:

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    Limited number of insurance options

    High-risk drivers in Alaska may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, Alaska insurers may cancel your policy mid-term or decide not to renew it, requiring you to seek a new provider.

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    Long period of required filing

    Alaska mandates that you maintain SR-22 coverage for three years from the date of your qualifying conviction, ensuring continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in Alaska requires a one-time fee, typically around $25, which adds to the financial impact of the filing.

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WHAT TO DO IF NO ONE WILL INSURE YOU

Nonstandard auto insurance is a viable choice for high-risk drivers who have violations on their records. Although this insurance usually comes with higher costs than traditional insurance, it provides a necessary coverage solution for those who might otherwise struggle to secure insurance due to their driving history.

Average Cost of SR-22 Car Insurance in Alaska

Drivers with a DUI in Alaska pay an average annual premium of $1,472 for full coverage SR-22 car insurance and $647 for state minimum. In contrast, those with a clean driving record pay around $1,112 per year for full coverage and $471 for state minimum. The severity of your offense affects your premiums.

It's not the SR-22 certificate that raises your rates but the violations associated with it. If you have repeat offenses or a severe violation, your insurer might not renew your policy or could raise your rates at renewal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Clean$471$39
Speeding Ticket$547$46
At-fault Accident$629$52
DUI$647$54

How to Get SR-22 Car Insurance in Alaska

Filing an SR-22 in Alaska is essential after certain violations like DUI or driving without minimum coverage. Failing to file can lead to severe penalties, including license suspension. Ensure you maintain the required 50/100/25 coverage for three years.

Here are the steps to file an SR-22 in Alaska:

1
Determine if you need an SR-22

If you have a DUI, were caught driving without insurance or have committed serious traffic offenses in Alaska, you may need to file an SR-22 as ordered by a municipal court to show you have the state minimum coverage.

2
Contact your insurance provider

Reach out to your current insurer to request an SR-22. It will know if your policy meets Alaska's minimum liability coverage requirements of 50/100/25.

3
Pay the SR-22 fee

There will be a fee to file an SR-22, usually around $25. This fee is separate from your insurance premium.

4
Verify the insurance company files the SR-22

Your insurance provider should file the SR-22 form with the Alaska Division of Motor Vehicles. Confirm with the Alaska DMV that this has been done.

5
Maintain your insurance policy

Keep your insurance active for the required duration, typically three years in Alaska. If your policy lapses, your insurer is required to notify the DMV.

6
Confirm your SR-22 status

After filing, check with the DMV to ensure your SR-22 is on file and your driving privileges are intact. Keep proof of insurance in your vehicle.

If your SR-22 in Alaska lapses, your driving privileges will be resuspended. You must have the state minimum coverage of 50/100/25 for three years. While costs vary, expect to pay a fee for a new SR-22 to reinstate your license.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you finish your SR-22 term of three years in Alaska, your insurance company should file a financial responsibility cancellation form. This form tells the state you've met the three-year requirement after a driving offense. It's a simple step to wrap up your minimum coverage duties.

How to Save on Car Insurance in Alaska After a Violation

A violation like a DUI can increase your car insurance costs. For example, a clean driving record might see you paying an average annual premium of $471 for state minimum coverage. That number jumps to $647 per year if you have a DUI.

There are ways to find affordable car insurance after a DUI. Alaskans needing an SR-22 can still scout out the cheapest rates, ensuring they meet legal requirements without overspending.

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    Complete DUI Classes or Programs

    By participating in state-recommended DUI programs, you can show insurers your commitment to safe driving. This may qualify you for lower insurance premiums as you demonstrate reduced risk.

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    Look for Discounts

    Even with a DUI, you might still be eligible for car insurance discounts. Ask your insurer about bundling, safety features or multiple-car discounts, as well as pay-in-full and electronic billing discounts that could help lower your rates.

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    Compare Auto Insurance Quotes

    After a DUI, it's crucial to compare auto insurance quotes to find the most affordable state minimum coverage. Rates can vary widely, so shop around.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in Alaska

Finding affordable SR-22 insurance in Alaska can be a hassle. Get the answers you need about the most cost-effective options available.

What are the cheapest SR-22 car insurance options in Alaska?
How much does filing an SR-22 increase car insurance rates in Alaska, on average?
How long do you need to have an SR-22 in Alaska?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.