Cheapest Alaska SR22 Insurance 2025: Rates & Companies Compared
Detailed Breakdown of SR-22 Insurance Rates, Providers & City Comparisons
🧾 Average Cost of SR-22 Insurance in Alaska
Table of Contents
- 0.1 🧾 Average Cost of SR-22 Insurance in Alaska
- 0.2 🏆 Cheapest SR-22 Insurance Companies in Alaska
- 0.3 📍 SR-22 Rates by City in Alaska
- 1 DUI Pricing, Non-Owner Rates, and Cheapest Providers by City
- 2 How to Get an SR-22, Legal Timelines, and State Laws
- 2.1 📝 How to Get SR-22 Insurance in Alaska
- 2.2 ⏳ How Long Do You Need SR-22 in Alaska?
- 2.3 ⚖️ Alaska SR-22 Laws & Requirements
- 2.4 🧾 What Happens If Your SR-22 Policy Lapses?
- 2.5 👤 What Is Non-Owner SR-22 Insurance?
- 2.6 💰 Non-Owner SR-22 Insurance Rates in Alaska
- 2.7 🔄 Owner vs. Non-Owner SR-22 Comparison
- 2.8 🏁 How to Get a Non-Owner SR-22 Policy
- 3 How to Save Money on SR-22 Insurance + FAQs
- 4 Final Summary, Quick-Reference Charts
Based on data from multiple top sources, here are the statewide average costs for SR-22 insurance in Alaska:
| Coverage Type | Monthly | Annual |
|---|---|---|
| Minimum Liability Only | $113–$129 | $702–$1,419 |
| Full Coverage | $122–$225 | $1,460–$1,551 |
🔍 These prices are for drivers with a violation requiring SR-22, not just the SR-22 form itself. Your specific premium depends on your driving record, insurer, ZIP code, age, and whether you need full or liability-only coverage.
🏆 Cheapest SR-22 Insurance Companies in Alaska
These companies had the lowest rates for SR-22 coverage based on aggregated quotes:
| Company | Minimum Coverage (Yearly) | Full Coverage (Yearly) |
|---|---|---|
| Geico | $1,160 | $2,102 (with DUI) |
| Progressive | $1,425 | $1,687 (with DUI) |
| State Farm | $1,443 | $1,572 (with DUI) |
| Allstate | $2,043 | $2,653 (with DUI) |
| USAA* | $1,023 | $1,895 (with DUI) |
*USAA is only available to military members and their families.
🧠 Tip: Rates for drivers with a DUI are generally much higher — sometimes by $500–$1,000/year depending on provider.
📍 SR-22 Rates by City in Alaska
Here’s a snapshot of average SR-22 insurance costs by city — extremely helpful for price comparison:
🚘 Full & Liability Coverage SR-22 Rates by City
| City | Full Coverage | Liability Only | Cheapest Company Avg. |
| Kalifornsky | $180 | $89 | Geico |
| Farmers Loop | $163 | $91 | The General |
| Lazy Mountain | $179 | Geico | |
| Butte | $171 | $92 | Progressive |
| Wrangell | $152 | $88 | Liberty Mutual |
| Ester | $169 | $107 | Geico |
| Kotzebue | $168 | $101 | The General |
| Kenai | $174 | $92 | Liberty Mutual |
| Delta Junction | $151 | $87 | The General |
| Sutton-Alpine | $165 | $97 | The General |
| Wasilla | $151 | $96 | Farmers |
| Goldstream | $149 | $100 | |
| Anchorage | $160 | $101 | Progressive |
| Nikiski | $150 | $109 | Progressive |
| Knik-Fairview | $159 | $94 | |
| Susitna North | $161 | $90 | |
| Fishhook | $165 | $91 | The General |
| Nome | $157 | #N/A | Progressive |
| Fairbanks | $155 | #N/A | Progressive |
| King Cove | $150 | $91 | Progressive |
| Meadow Lakes | $149 | $96 | Progressive |
| Craig | $171 | $109 | Progressive |
| Tanaina | $162 | $90 | The General |
| Healy | $161 | $105 | |
| Big Lake | $159 | $95 | Geico |
| Chevak | $161 | #N/A | #N/A |
| Sterling | $148 | $96 | Progressive |
| Cohoe | $178 | $107 | Geico |
| Skagway | $172 | $87 | |
| Petersburg | $147 | $104 | |
| Steele Creek | $162 | $86 | Geico |
| Houston | $163 | ||
| Gateway | $151 | ||
| Salcha | $180 | #N/A | Geico |
| Tok | $174 | $90 | The General |
| Homer | $177 | $86 | Liberty Mutual |
| Deltana | $166 | ||
| College | $164 | $107 | |
| Talkeetna | $163 | $95 | |
| Cordova | $152 | $87 | Progressive |
| Savoonga and Buffalo Soapstone | $173 | $110 | |
| Sand Point | $162 | Farmers | |
| Funny River | $173 | Bristol West | |
| Lakes | $182 | $101 | Bristol West |
| Unalaska | $153 | #N/A | The General |
| Dillingham | $162 | $106 | Liberty Mutual |
| Juneau | $158 | $96 | |
| Farm Loop | $162 | Bristol West | |
| Kodiak | $156 | $94 | Liberty Mutual |
| Willow | $161 | $96 | Geico |
| Bear Creek | $160 | $98 | |
| Chena Ridge | $155 | $103 | Progressive |
| Kodiak Station | $157 | $102 | Progressive |
| Fritz Creek | $162 | $91 | Geico |
| Palmer | $151 | $94 | National General |
| Sitka | $159 | $108 | Liberty Mutual |
| Haines | $151 | $109 | |
| Anchor Point | $151 | $110 | |
| Valdez | $177 | $98 |
🧾 Filing Fee Reminder
Most insurers in Alaska charge a $15–$25 SR-22 filing fee in addition to the premium.
DUI Pricing, Non-Owner Rates, and Cheapest Providers by City
🍺 SR-22 Costs in Alaska with a DUI
Getting an SR-22 after a DUI raises your premium significantly — sometimes by 30–60%. Here’s how Alaska providers compare for drivers with a DUI on record:
| Company | With 1 DUI | Without DUI (SR-22 Filing Only) |
|---|---|---|
| Geico | $2,102 | $1,160 |
| Progressive | $1,687 | $1,425 |
| State Farm | $1,572 | $1,443 |
| Allstate | $2,653 | $2,043 |
| USAA* | $1,895 | $1,023 |
*USAA available only to military and families.
📌 Insight: The DUI itself — not the SR-22 — is what causes the major rate increase.
👤 Non-Owner SR-22 Insurance Costs in Alaska
If you don’t own a car but need SR-22 coverage, non-owner insurance is often much cheaper.
| Company | Monthly Premium | Annual Premium |
|---|---|---|
| State Farm | $34 | $412 |
| GEICO | $35 | $417 |
| Progressive | $99 | $1,184 |
💡 Why choose non-owner SR-22?
- You’re temporarily without a car but need your license back
- You’re between vehicles
- You rent or borrow cars but don’t own one
- You drive for work or other obligations occasionally
🏆 Cheapest SR-22 Providers by Alaska City
These insurers were found to offer the lowest SR-22 rates by location (source: A Plus Insurance):
| City | Cheapest Company |
|---|---|
| Anchorage | Progressive |
| Sitka | Liberty Mutual |
| Wasilla | Farmers |
| Tanaina | The General |
| Nikiski | Progressive |
| Craig | Progressive |
| Nome | Progressive |
| Willow | GEICO |
| Kenai | Liberty Mutual |
| Cordova | Progressive |
| Big Lake | GEICO |
| Chena Ridge | Progressive |
| Tok | The General |
| Ketchikan | GEICO |
| Fairbanks | Progressive |
| Delta Junction | The General |
🧠 Tip: Your best option depends on location, violation type, and whether you’re insuring a car or using a non-owner policy. Always compare at least 3 quotes using the form above!
How to Get an SR-22, Legal Timelines, and State Laws
📝 How to Get SR-22 Insurance in Alaska
Getting SR-22 coverage isn’t hard — but it must be done correctly or your license could stay suspended. Here’s a simple step-by-step:
✅ Step-by-Step Process:
- Find an insurer that offers SR-22 filings
Not all companies file SR-22s. Confirm before buying. Top options: GEICO, Progressive, State Farm, Dairyland, The General. - Request the SR-22 form
After purchasing your policy, ask the insurer to file the SR-22 with the Alaska DMV. - Pay the SR-22 filing fee
Usually $15–$25, added once per term (not monthly). - Verify the form was submitted
Your insurer should send confirmation. You can also call the DMV to check. - Maintain continuous coverage
You must keep the policy active the entire time. If it lapses, the DMV is notified, and your license could be suspended again.
⏳ How Long Do You Need SR-22 in Alaska?
The required SR-22 duration depends on the severity and number of your violations:
| Offense Type | SR-22 Duration |
|---|---|
| First DUI | 5 years |
| Second DUI | 10 years |
| Third or More DUIs | Up to 20 years |
| Four DUIs / Serious Crimes | Life |
| Minor Violations (no DUI) | Typically 3 years |
📌 The clock starts when your license is reinstated, not when the SR-22 is filed.
⚖️ Alaska SR-22 Laws & Requirements
According to the Alaska DMV, the state requires SR-22 filings for drivers who have lost their license due to:
- DUI / DWI
- Reckless driving
- Driving without insurance
- Multiple traffic violations
- Failing to appear in court
- Child support delinquency
To legally reinstate your license, you must:
- Meet 50/100/25 coverage minimums
- Have your insurer file an SR-22 form
- Maintain uninterrupted coverage during the SR-22 period
🧾 What Happens If Your SR-22 Policy Lapses?
If your coverage ends or lapses:
- Your insurer must notify the DMV
- Your license may be re-suspended
- You may have to restart the entire SR-22 term from zero
- Additional fines or extended SR-22 periods may apply
🧠 Pro Tip: Set up autopay and monitor emails from your insurer to prevent any accidental lapse.
Non-Owner SR-22 Insurance Explained + Cost Comparisons
👤 What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is a liability-only policy for people who don’t own a car but are still required to file an SR-22 with the DMV.
It covers:
- Property damage and bodily injury you cause while driving someone else’s car
- Not your own vehicle (since you don’t have one)
- Only you, not other drivers
✅ It’s ideal if:
- Your license is suspended, but you don’t own a car
- You borrow or rent cars occasionally
- You need to reinstate your license without insuring a vehicle
💰 Non-Owner SR-22 Insurance Rates in Alaska
From the articles you submitted, here are some real-world price comparisons:
| Company | Monthly Premium | Annual Premium |
|---|---|---|
| State Farm | $34 | $412 |
| GEICO | $35 | $417 |
| Progressive | $99 | $1,184 |
🧠 Note: Rates are significantly lower than owner policies because:
- There’s no comprehensive/collision
- Risk is lower (you drive less often)
- Coverage is limited to liability only
🔄 Owner vs. Non-Owner SR-22 Comparison
| Feature | Owner SR-22 | Non-Owner SR-22 |
|---|---|---|
| Own a vehicle? | Yes | No |
| Covers your car? | Yes (full/comp available) | No |
| Covers rental/borrowed cars? | Yes | Yes (limited) |
| Typically cheaper? | ❌ No | ✅ Yes |
| Required for license reinstatement? | Yes | Yes |
🏁 How to Get a Non-Owner SR-22 Policy
- Tell your insurer you need a non-owner SR-22
- Compare rates — not all insurers offer this (but Progressive, GEICO, and State Farm do)
- Confirm it includes SR-22 filing
- Pay the SR-22 fee ($15–$25 usually)
- Keep the policy active for the required time (3+ years)
📌 If you later buy a car, your non-owner policy can usually be upgraded to an owner policy.
How to Save Money on SR-22 Insurance + FAQs
💡 Tips to Save on SR-22 Insurance in Alaska
Even if you’re a high-risk driver, you can still reduce your costs by being strategic. Here’s how:
✅ 1. Shop Around
Prices vary wildly between insurers. For example, Geico quoted $1,160/year for SR-22 in Alaska — while Allstate quoted $2,043. That’s nearly $900 in savings just by switching providers.
🧠 Tip: Always compare at least 3–5 quotes, especially if you’ve had a DUI.
✅ 2. Ask About Discounts
Even high-risk drivers can qualify for savings:
| Discount Type | How to Get It |
|---|---|
| Safe Driver / Defensive Driving | Take a state-approved driving course |
| Bundling | Combine auto with renters or homeowners insurance |
| Pay-in-Full | Pay your policy upfront instead of monthly |
| AutoPay or e-Documents | Enroll in paperless billing or autopay |
| Low Mileage | Drive fewer than average miles per year |
| Military / Veteran | Offered by USAA and others |
| Good Credit | Maintain 600+ credit score if possible |
✅ 3. Consider Non-Owner SR-22 (If You Don’t Have a Car)
As shown earlier, non-owner SR-22 policies can cost up to 70% less than full coverage. Great option if:
- You borrow/rent cars
- You’re between cars
- You need SR-22 just to reinstate your license
✅ 4. Choose a Higher Deductible
If you’re getting full coverage:
- Choosing a $1,000 deductible instead of $500 can lower premiums
- Only do this if you can afford the deductible in case of an accident
✅ 5. Use a Broker or Marketplace
Some brokers specialize in SR-22-friendly insurers. They can help you:
- Navigate quotes faster
- Avoid companies that reject high-risk drivers
- Save you hours of searching
❓ Alaska SR-22 FAQs
Q: How long do I need SR-22 in Alaska?
Most drivers: 3 years
DUI convictions: 5, 10, 20 years or even life (depending on offense count)
Q: Does SR-22 increase my insurance rates?
The form itself does not, but the violation that triggered the SR-22 (like DUI or reckless driving) does.
Q: Can I get SR-22 without owning a car?
Yes! That’s what non-owner SR-22 insurance is for.
Q: What if I move out of Alaska?
You still need to maintain your SR-22 coverage. Your insurer must be able to file SR-22 in your new state or you could lose your license.
Q: What happens if my SR-22 policy lapses?
Your insurer reports it to the DMV → license gets suspended again → your SR-22 clock resets.
Final Summary, Quick-Reference Charts
✅ Summary: What You Now Know
You’ve now got the most complete, up-to-date SR-22 guide for Alaska—everything from costs to legal timelines, DUI penalties, and the best insurers.
🧩 Key Takeaways:
- SR-22 is not insurance — it’s proof of insurance filed with the DMV.
- Alaska’s minimum required coverage: $50K/$100K/$25K
- Most drivers must keep it for 3 years — DUI can extend that to 5, 10, 20+ years
- Best price for non-owner SR-22: State Farm at $34/month
- Best price for full coverage: State Farm or Progressive depending on city
- Shop, compare, and use discounts to save hundreds
⏱️ How Long Must You Hold SR-22?
| Offense | Duration |
|---|---|
| First DUI | 5 years |
| Second DUI | 10 years |
| Third+ DUI or Refusal | 20 years – Life |
| General violations | 3 years |
🎯 Discount Checklist
✅ Safe driver / defensive driving
✅ Multi-policy (home + auto)
✅ Pay-in-full
✅ Autopay / paperless
✅ Good credit
✅ Low mileage
✅ Military / veteran
✅ Early renewal
