SR-22 in Alaska: What You Need to Know
Drivers in Alaska with accidents and major violations on their record are required to carry an SR-22 certificate for at least three years.
Written by Matt Terzi
Reviewed by Kathleen Flear
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High-risk drivers must obtain a mandatory SR-22 certificate in Alaska after a serious driving violation or conviction. Drivers are required to carry an SR-22 for at least three years.
Although an SR-22 is often referred to as "insurance"—it isn’t actually insurance. Rather, it’s a form your insurer files with the state. It verifies that you have the minimum required liability coverage to legally drive in Alaska.
An SR-22 will result in a hike in your insurance rates, but shopping for the best
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What is an SR-22 in Alaska?
An SR-22 serves as proof to the Alaska DMV that you’ve obtained the state’s minimum amount of
liability car insurance
. In Alaska, you need to be insured with the following coverage:
- Bodily injury liability: $50,000 per person / $100,000 per accident
- Property damage liability: $25,000 per accident
Key Takeaway An SR-22 filing from your insurance company verifies for the Alaska DMV that you’re covered in the event of an at-fault car accident.
Who needs an SR-22 in Alaska?
An SR-22 certificate is required for high-risk drivers with serious traffic violations or accidents on their driving record. These crimes include driving without insurance,
DUI
or DWI, hit-and-run, at-fault accidents involving loss of life, reckless driving, or racking up several driving offenses.You might be deemed a high-risk driver if you’ve been convicted of the following severe driving violations:
- Driving without car insurance
- DUI or DWI
- Refusing a breathalyzer test
- A hit-and-run accident
- An at-fault accident that involved loss of life
- Reckless ordistracted driving
- Repeated traffic offenses
Key Takeaway Drivers convicted of serious traffic violations will need an SR-22 certificate in Alaska.
How do you get coverage for an SR-22 in Alaska?
Most car insurance companies operating in Alaska can process an SR-22 form on your behalf.
This, however, doesn’t mean shopping for insurance with an SR-22 requirement is a breeze. It can be a real challenge to find coverage when you need an SR-22 form. Some insurance companies might not be willing to offer you coverage.
Many drivers with SR-22 certificates in Alaska have had their previous insurance companies cancel their policies because of the added risk.
This may sound daunting, but don’t lose hope! Many insurance companies will still work with you if you need an SR-22 in Alaska.
Once you’ve found an insurer, you’ll likely need to pay some form of processing fee to have them file your SR-22 document. This usually costs around $50, and it should only be a one-time fee.
Once the insurance company processes the fee, they’ll file the SR-22 paperwork on your behalf with the Alaska DMV. And before you know it, you’ll be back on the road.
Key Takeaway If you are required to carry SR-22 insurance, you might need to shop around to find an insurer who will work with you.
How much does SR-22 in Alaska cost?
Because of your status as a "high-risk" driver, insurance companies will charge you a lot more for your car insurance policy. The added risk is always matched with added costs.
Your insurance company will also charge you a small processing fee for filing the SR-22 certificate on your behalf. This will usually cost around $50. Some companies might charge less—it’s not unheard of to pay anywhere from $15 to $25—but you should probably anticipate this costing about $50.
Key Takeaway Insurance with an SR-22 form is more expensive than regular insurance and is usually coupled with additional fees.
How an SR-22 impacts your insurance in Alaska
First-time offenders are usually required to maintain an SR-22 form for three full years, starting from the date their driving privileges are restored. However, this might vary depending on the charge.
For those convicted of a DWI, you’ll need to keep an SR-22 form for five years. If you have two offenses on your record, it’s ten years. For a third offense, it’s twenty years. And for a fourth offense, the SR-22 requirement will last for the rest of your life.
Key Takeaway An SR-22 in Alaska will last three to five years for first-time offenders
How to find cheap car insurance with an SR-22 in Alaska
The most important step you can take toward finding the cheapest insurance with an SR-22 form is to comparison shop and find the best quotes from top insurers. And for that, you should really consider downloading
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When your SR-22 in Alaska is finally lifted, you can count on Jerry to help you find a better policy without an SR-22 document attached to it.
Jerry users save an average of $879 per year on
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