Cheapest SR-22 Car Insurance in Alaska

Progressive offers the cheapest SR-22 insurance in Alaska at $41 monthly for minimum coverage, about 31% less than the state average of $59. For full coverage, State Farm is the most affordable at $97.

State Farm offers Alaska's cheapest non-owner SR-22 insurance at $34 per month or $412 annually. Non-owner car insurance helps those without a vehicle meet the state's minimum coverage requirements. 

Below is a table of providers offering non-owner SR-22 insurance with average costs for minimum coverage.

The average cost of car insurance for drivers with an SR-22 in Alaska is $702 annually for minimum coverage, 36% higher than the state average of $517 for those with clean records.

For full coverage, SR-22 drivers pay around $1,551 per year, a 39% increase compared to the $1,114 paid by drivers with clean records.

Having an SR-22 form alone doesn't raise your insurance rates. The cost depends on your type of violation. The table below compares SR-22 costs for common violations across age groups in Alaska.

An SR-22 is a form proving your car insurance meets minimum coverage requirements. Drivers with certain violations need to file an SR-22 to reinstate their license. Insurers view these drivers as high-risk, which often increases premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It’s a certification from your insurer confirming you have enough liability insurance. This is required to meet reinstatement conditions under Alaska's Financial Responsibility law.

After serious traffic violations, an SR-22 is required for three years to show Alaska officials you meet the state's minimum coverage requirements. To comply with SR-22 laws, you must follow these liability limits:

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

If you've committed serious driving offenses in Alaska, you may need an SR-22 to keep or reinstate your license. Drivers who have committed the following violations are most likely to be ordered by the court to file an SR-22:

In Alaska, SR-22 certificates are usually required for up to three years. The period can extend to 20 years for second and third convictions.

Along with using an SR-22 for up to three years to comply with Alaska's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Alaska during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage active for the entire period. If you don't have coverage, get an SR-22 insurance quote. Finding insurance with an SR-22 can be tougher than for drivers with clean records. Insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Alaska may face limited choices and higher premiums. When seeking an SR-22 insurance quote, verify the exact fee with your insurer, especially if it's your first filing. Use these tips to find a cheaper SR-22:

Non-owner car insurance covers those who frequently drive but don't own a vehicle. It ensures you're protected when driving someone else's car. It's ideal for those who rent cars often or drive for rideshare services, covering third-party injuries or property damage if you're at fault.

Non-owner policies are often more affordable than standard ones. Compare quotes from different insurers to find the best rates. Once you purchase a non-owner policy, your insurer can file an SR-22 form to comply with state regulations to help reinstate your license after the three-year period.

Drivers with severe offenses need an SR-22 to prove minimum coverage in Alabama. This form must be maintained for up to three years for serious or repeat violations. While SR-22 rates are typically higher, cheap car insurance providers are available for SR-22 drivers.

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

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for Alaskan drivers of various profiles and needs.

Alaska Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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

Learn more about MoneyGeek's car insurance methodology.