Key Takeaways
In Alaska or anywhere else, SR-22 insurance is not really an insurance policy. It's a document your insurance provider submits to demonstrate that your auto insurance coverage satisfies the legal minimum liability standards set forth by your state.
In Alaska, drivers who commit serious traffic offenses including drunk driving or reckless driving must file an SR-22 insurance form. When compared to the premium rate for drivers with a spotless record, the cost of insurance after a DUI or other serious violations is significantly higher.
Depending on which state you live in, the violations that make you need SR-22 insurance may be different. If a driver in Alaska or anywhere else commits one of the following serious offenses, they will almost certainly need to file an SR-22:
Most minor violations in Alaska do not require SR-22 insurance. If you get a ticket or get into an accident, your auto insurance rates may go up, but not as much as if you need an SR-22.
How long you have to hold an SR-22 will depend on what you were found guilty of. Most of the time, though, it is for three years.
On your behalf, your insurance company will submit an SR-22 form to the state. Due to the fact that people who need to file an SR-22 are viewed as high-risk drivers, certain insurers may decide not to cover you. Additionally, the price of your auto insurance will probably be higher than it was when you had a clean driving record.
Insurance Company | Average Annual Premium |
---|---|
USAA | $555 |
State Farm | $611 |
AllState | $738 |
Progressive | $886 |
City | Brand |
---|---|
Soldotna | Progressive |
Sand Point | Farmers |
King Cove | Progressive |
Sitka | Liberty Mutual |
Wasilla | Farmers |
Nikiski | Progressive |
Craig | Progressive |
Nome | Progressive |
Kodiak Station | Progressive |
Hooper Bay | Dairyland |
Cordova | Progressive |
Badger | Bristol West |
Sterling | Progressive |
Palmer | National General |
Point Mackenzie | Progressive |
Anchorage | Progressive |
Lakes | Bristol West |
Funny river | Bristol West |
Meadow Lakes | Progressive |
Butte | Progressive |
Kenai | Liberty Mutual |
Homer | Liberty Mutual |
Chena Ridge | Progressive |
Kodiak | Liberty Mutual |
Elison AFB | Dairyland |
Wrangell | Liberty Mutual |
Farm Loop | Bristol West |
Diamond Ridge | National General |
Dillingham | Liberty Mutual |
North Pole | Progressive |
Fairbanks | Progressive |
Depending on the state you live in, there may be variations in the infractions necessitating SR-22 insurance. Drivers in Alaska and elsewhere who commit one of the serious infractions listed below almost likely need to file for SR-22 insurance:
In Alaska, small infractions typically do not need SR-22 insurance. Higher prices for auto insurance after a ticket or accident are possible, but they won't be as expensive as for people who require SR-22.
How long you can hold an SR-22 will depend on your conviction. However, it is often for a period of three years.
An SR22 raises Alaskan auto insurance by around $50.
The SR-22 insurance in Alaska will serve as proof that your auto insurance coverage satisfies the state's bare minimum standards. These consist of:
You can submit a claim for your insurance through your insurance company after paying a charge. After that, your provider will submit the form to the DMV (department of motor vehicles). Remember that Alaska takes this extremely seriously, and if you don't comply, you can expect to face consequences. By entering your information, you may request a quote from insurance companies and learn how to start saving for insurance right away.
On your behalf, your insurance company will submit an SR-22 form to the state. Due to the fact that people who need to file an SR-22 are viewed as high-risk drivers, certain insurers may decide not to cover you. Additionally, the price of your auto insurance will probably be higher than it was when you had a clean driving record.
Even if you don't own a car, you might still need to obtain SR-22 insurance, often known as non-owner SR2-2 insurance or SR-22 AK insurance. This time, it will take the shape of SR-22 non-owner insurance.
Non-owner SR-22 insurance in Alaska is merely a type of auto insurance that serves as documentation for the existence of an active auto insurance policy. You must submit this to a car insurance company that is authorized to conduct business in Alaska. This is also necessary for the reinstatement of your license.
The following is listed on the SR22 vehicle insurance form, according to the Alaska Department of Motor Vehicles:
You must typically maintain non-owner SR22 insurance in Alaska for a minimum of three years.
SR-22 needed after | Major traffic infraction and/or suspension of the license |
Required for | Depending on the offense, 3-20 years or the rest of your life |
Average cost increase | $57 |
Minimum bodily injury liability coverage | $50000 per person/ $100000 per accident |
Minimum property damage liability coverage | $25000 |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Alaskan vehicle insurance goes up by about $50 with an SR22.
Your insurance provider will send an SR-22 form to the state on your behalf. Some insurers can opt not to cover you because those who need to file an SR-22 are thought of as high-risk drivers. Furthermore, your auto insurance will likely cost more now than it did when you had a clean driving record.
SR-22 insurance isn't truly insurance coverage in Alaska or anywhere else. It's a document that your insurance company produces to show that your auto insurance coverage complies with the state's minimum liability requirements.
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