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Compare SR-22 in Alaska

Get cheap SR-22 insurance in Alaska

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Roslyn McKenna
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Alaska requires two types of SR-22s depending on your circumstances: an owner’s certificate for motorists who own a car and an operator’s certificate for those who don’t. Here’s what you need to know about getting an SR-22 in Alaska.

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How much will an SR-22 cost in Alaska?

Most car insurance providers charge a filing fee up to $50, though you could find a few in Alaska to file for free.

However, when choosing an insurance company, don’t base your decision solely on the fee for your SR-22. The most expensive penalty will be the higher insurance rates that come as a result of being marked as a high-risk driver.

Be your own advocate by discussing your specific needs with your insurance agent.

How do I file for an SR-22 in Alaska?

To file for an SR-22, you’ll need to go through a car insurance provider licensed in Alaska. Most providers are willing to file for an SR-22 on your behalf for a fee.

Many areas of Alaska don’t require vehicle registration or even insurance. However, if you require an SR-22 this exemption doesn’t apply to you.

Instead, you’re required to purchase the state’s minimum liability coverage:

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

The provider will file your SR-22 with the Alaska Division of Motor Vehicles. But if you haven’t received confirmation within a week that you’re good to get back on the road, call and make sure. You’re not legally able to drive until your SR-22 is accepted.

How long will I need an SR-22 in Alaska?

Most violations require an SR-22 for a minimum of three years, but timing can vary based on your violation. In Alaska, you could be required to carry SR-22 insurance for up to 20 years — or even life for repeat offenders.

Once you’re required to file an SR-22, it’s your responsibility to renew your policy on time each year. If you let your insurance or SR-22 lapse, you risk adding more time to your filing requirements and more money on your insurance rates.

What happens if I let my SR-22 lapse?

If you fail to renew your policy, your SR-22 is canceled. Your insurance company will notify the DMV through an SR-26, resulting in the state revoking your license until you file a new SR-22.

If you allow your SR-22 to lapse in Alaska, it won’t necessarily reset the time required to hold this type of coverage. Talk with your insurance provider or your local DMV to confirm any penalties.

You aren’t able to legally drive in the state until you’ve renewed your insurance and SR-22 status.

Do I need an SR-22 in Alaska?

Your state DMV will let you know if you need to file an SR-22. If your license is suspended or revoked in Alaska, you could be ordered to file an SR-22.

Cases in which an SR-22 requirement could apply include:

  • You’re involved in an accident that results in death, injury or damages of more than $500.
  • You’re convicted of driving under the influence or refuse a breathalyzer test.
  • You’re considered a high-risk driver due to reckless driving, speeding or similar driving violations.
  • You’re caught driving without insurance or are unable to show proof of your insurance to the authorities.

The steps to reinstate your driver’s license in Alaska depend on your violation and driving history.

What if I don’t have a car or license?

In most cases, you’ll still need SR-22 coverage. If you don’t own a car, Alaska could require you to file an SR-22 operator’s certificate with proof of a non-owner insurance policy. These documents prove to the state that you’re covered by the state’s minimum insurance requirements.

What if I’m from another state?

Check in with the Alaska DMV to ensure your SR-22 insurance from the state where it was issued provides enough coverage. While you’re away from your home state, you’re still required to keep up an SR-22 that is in compliance with your state’s mandates.

What happens when I don’t need SR-22 coverage anymore?

Once you’ve cleared the time required for your SR-22 mandate, you’ll be free to cancel your coverage. It’s important to be sure you’re fully finished before canceling to avoid penalties, including added time, for letting your insurance lapse. Your local DMV can help you confirm your time is up, and from there you can contact your provider and cancel your plan.

Bottom line

Alaska may require you to obtain SR-22 insurance even if you don’t own a vehicle. Avoid causing yourself additional frustration by keeping on top of your payments and coverage.

It’s possible to get insurance even with a mark on your record. Compare your options before you settle on any one insurer to secure coverage that fully meets your needs.

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    6 Responses

      Default Gravatar
      PennyNovember 17, 2018

      I need SR22 before I can take my road test. Having a problem finding a company who will insure me the day before I take my road test.

      Reply
        Avatarfinder Customer Care
        nikkiangcoNovember 21, 2018Staff

        Hi Penny,

        Thanks for your inquiry and for visiting our page. As a friendly reminder to find success in looking for a SR-2 provider, you must check the eligibility criteria and general requirements before submitting an application. The information above shows the providers for this. Click ‘view details’ to learn more information on them and click GO TO SITE to be redirected to their main website.

        Hope this was helpful. Don’t hesitate to message us back if you have more questions.

        Best,
        Nikki

        Reply
      Default Gravatar
      DeanSeptember 23, 2018

      Looking for good rates for SR-22 insurance

      Reply
        Avatarfinder Customer Care
        nikkiangcoSeptember 24, 2018Staff

        Hey Dean,

        Thanks for your inquiry and for visiting our page.

        To get a quote on SR-22 insurances, simply read up on the information within our page that says companies that offer sr-22 in Alaska.
        You may also read the review to give you more information on the provider.

        Once you’ve chosen the one for you, go to the table where you’ll see a list of providers. To go to their website, simply click the GO TO SITE button.
        Please make sure that you read the eligibility and requirements needed to apply for the insurance before applying and make sure that its the right one for you.

        Should you need further assistance, don’t hesitate to reach out again.

        Regards,
        Nikki

        Reply
      Default Gravatar
      CarlaApril 3, 2018

      How long do Alaskans have to have Sr22???

      Reply
        Default Gravatar
        joelmarceloApril 3, 2018

        Hi Carla,

        Thanks for leaving a question on finder.

        If you have been convicted of DWI / DUI or Refusal to Submit in the State of Alaska, you will be required to file an SR22 form with the Alaska Division of Motor Vehicles. This means that you will need to buy SR22 insurance.

        How long you will need to carry SR22 insurance depends on how many DUI offenses you’ve had:

        -First Offense DUI or Refusal – SR22 required for 5 years
        -Second Offense DUI or Refusal – SR22 required for 10 years
        -Third Offense DUI or Refusal – SR22 required for 20 years
        -Fourth Offense DUI or Refusal – SR22 required for life

        Hope it helps.

        Cheers,
        Joel

        Reply
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