Alaska SR-22 & High-Risk Auto Insurance
Alaska requires 50/100/25 liability coverage and is an at-fault state.
Get SR-22 Quotes NowAlaska at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee, about 10 days to process
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, those involved in at-fault accidents without insurance, or those with suspended licenses must file SR-22 证明 of financial responsibility with the Alaska Division of Motor Vehicles. The state does not offer assigned risk plans, so high-risk drivers must secure coverage through non-standard carriers. Failure to maintain continuous coverage during the SR-22 requirement period triggers immediate license suspension.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$25/mo
Typical monthly rate in Alaska, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Location: Anchorage and Fairbanks have more carrier options and lower rates than rural areas with limited insurer availability
- Credit score: Alaska allows credit-based insurance scoring, which significantly impacts high-risk premiums
- Vehicle type: older vehicles with liability-only coverage cost less than newer financed vehicles requiring full coverage
Get Your SR-22 Even Without a Car
Get SR-22 Quotes NowIf your license is suspended
Limited License
application fee $100, about 10 days to process.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Alaska after a DUI?
Alaska requires SR-22 filing for 3 years following a DUI conviction. The 3-year period begins when you file the SR-22 and reinstate your license, not from your conviction date. Any lapse in coverage during this period suspends your license immediately and restarts the entire 3-year requirement.
Which insurance companies offer SR-22 in Alaska?
Non-standard carriers serving Alaska's SR-22 market include Progressive, The General, and Bristol West. Not all major insurers file SR-22 in Alaska, and rural areas outside Anchorage and Fairbanks have fewer carrier options. Drivers should compare quotes from multiple non-standard insurers as rates vary significantly.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you maintain Alaska's minimum liability coverage. Required for DUI convictions, license suspensions, and uninsured violations for typically 3 years.
Liability Insurance
Covers injuries and property damage you cause to others. Alaska minimums are $50,000/$100,000 for bodily injury and $25,000 for property damage.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage to pay for your injuries and damages.
Non-Standard Auto Insurance
Coverage designed for drivers with DUIs, suspensions, lapses, or violations who cannot qualify for standard policies.
Full Coverage Insurance
Combines liability, collision, and comprehensive coverage. Required by lenders on financed vehicles and recommended for newer cars with significant value.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and recommended for vehicles worth more than $3,000–$5,000.