If you need an SR-22 to get an auto insurance policy in Alaska, you aren't alone. This relatively common insurance requirement is often needed after a driving violation like a DUI/DWI, a ticket for driving without proof of insurance, an at-fault crash, driving with a suspended license, or accruing too many license points.
Finding cheap insurance with an SR-22 in Alaska might require some research, but it never hurts to try. We analyzed how much an Alaska SR-22 costs and how to request one — let's dive into the details.
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How much is Alaska SR-22 insurance?
SR-22 insurance in Alaska will probably be pricey. This isn't a direct cost of the SR-22 — filing fees might be just $15 to $35 — but a product of the insurance premium increases caused by the offense that prompted the SR-22.
Auto insurance companies charge risky drivers pricier premiums to account for the more substantial risk of an incident. The price hike you’ll face may depend on the severity and number of violations — listed below are typical auto insurance rates for motorists with SR-22s in Alaska.
ALASKA AUTO INSURANCE PREMIUMS BY CITATION
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault accident (>$2,000)||$1,744.00||$592.05|
|Speeding (21-25 mph > limit)||$1,381.78||$229.83|
|Leaving the scene||$1,952.04||$800.09|
If you want to purchase affordable car insurance after getting a SR-22, we're ready to help. Submit your ZIP code below to find personalized auto coverage quotes from leading companies.
How to obtain an SR-22 in Alaska
If you have car insurance:If you possess an active auto insurance policy, obtaining an SR-22 certificate is relatively simple. Contact your insurance company and request it file a SR-22 request on your behalf. If your current auto insurance company isn’t willing to file for an SR-22, you should shop around for a new insurance company.
If you're currently uninsured:When applying for a new policy, you'll be billed extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification might disqualify you from purchasing insurance from some carriers, while others will sell you a policy.
For drivers who don’t own a vehicle:Not owning a vehicle makes it tougher to get an SR-22, as you'll need to show proof of insurance to receive the certificate. If you don't own a vehicle, purchase a non-owners policy before filing an SR-22 request. Non-owners car insurance is often cheaper than a standard policy since it doesn't insure against physical damages to your automobile.
Between September and December 2017, The Zebra conducted auto insurance rate analysis through its proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra examined nearly 53 million rates to identify trends for specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.