If you need an SR-22 for auto insurance in Alaska, don't worry. This relatively common insurance requirement is sometimes necessary after a driving citation like a DWI conviction, a ticket for driving without insurance, an at-fault accident, driving with a suspended license, or accumulating excessivelicense points.
Finding cheap insurance with a SR-22 in Alaska might not be easy, but it could pay off in the end. The Zebra examined how much money a SR-22 certificate costs in Alaska and how to easily get one — let’s dive in.
Average SR-22 costs in Alaska
Insurance with an SR-22 in Alaska is often expensive. This isn't a direct cost of the SR-22 — typical filing fees are $15-$35 — but a product of the insurance rate increases initiated by the driving citation that prompted the SR-22 requirement.
Car insurance companies bill high-risk motorists steeper rates to account for the increased risk of a claim payout. The rate increase you’ll face will depend on the frequency and severity of the citations — below are standard car insurance rates with an SR-22 in Alaska.
ALASKA CAR INSURANCE PREMIUMS AFTER COMMON CITATIONS
|High-risk rating factor||Average yearly rate||Increase vs. clean record|
|At-fault collision (>$2,000)||$1,842||$567|
|Speeding (21-25 mph > limit)||$1,544||$269|
If you're in need of inexpensive car insurance after getting a SR-22, we are here to help. Enter your ZIP code below to find personalized car insurance quotes from popular companies.
How to get an SR-22 in Alaska
For currently insured driversIf you currently have auto insurance, obtaining an SR-22 certificate should be easy enough. Phone your insurance company ask them to file a SR-22 request on your behalf. If your current car insurance company declines to request an SR-22 certificate, you should look for a new auto insurance company.
For uninsured driversWhen applying for a new policy, you might be saddled with an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 may disqualify you from purchasing insurance from some carriers, while others would be happy to cover you.
Don't own a car?Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicleNot owning a car makes it more difficult to obtain an SR-22, as you will need to show proof of insurance to receive the certificate. If you don't own a car, get a non-owners policy before requesting a certificate. Non-owners auto insurance is often less expensive than traditional coverage since it won’t provide protection for physical damage to your vehicle.
Methodology and sources
The Zebra conducted auto insurance rate analysis using our proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra assessed almost 53 million premiums to examine trends for car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.