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Alaska SR-22 Insurance After DUI or Violation

Alaska requires 50/100/25 liability coverage and is an at-fault state.

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Alaska 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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Alaska

The Alaska Division of Motor Vehicles mandates SR-22 filing for drivers convicted of DUI, those with suspended licenses due to excessive points, and drivers involved in at-fault accidents without insurance. SR-22 is a certificate of financial responsibility filed by your insurer directly with the DMV, proving continuous coverage.

Liability Insurance

Alaska's 50/100/25 minimum is the legal floor, but high-risk drivers typically need higher limits to satisfy court-ordered requirements or get competitive quotes from non-standard carriers. Many insurers in Alaska's limited market refuse to write policies at state minimums for drivers with DUI or major violations.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a filing added to your existing liability coverage. Not all carriers offer SR-22 filing in Alaska; drivers often need to switch to non-standard insurers who specialize in high-risk profiles and have DMV filing systems in place.

Non-Standard Auto Insurance

Non-standard carriers write policies for drivers with DUI, suspensions, or multiple violations who are rejected by preferred insurers. These policies often require higher down payments and may exclude certain coverages until the driver completes a probationary period.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance. High-risk drivers in Alaska with financed or leased vehicles must maintain full coverage to satisfy lender requirements, even with SR-22 filing.

Uninsured Motorist Coverage

What Drivers Pay in Alaska

$205–$242/mo

Typical monthly rate in Alaska, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Carrier availability: only 3–5 carriers actively write SR-22 policies in Alaska, limiting competitive pricing
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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry Alaska's minimum liability coverage. Required for 3 years after DUI, suspension, or uninsured accident.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers rejected by preferred insurers. Typically require higher down payments and exclude accident forgiveness.

Full Coverage

Combines liability, comprehensive, and collision. Required by lenders and recommended for Alaska drivers due to winter weather and wildlife collision frequency.

Liability Insurance

Covers injury and property damage you cause to others. Alaska requires 50/100/25 minimums, but higher limits reduce personal exposure.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Not required in Alaska but addresses common gap.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault crash, regardless of who caused the accident. Required by lenders; optional for owned vehicles.

Find Your City in Alaska

Anchorage

urban

Fairbanks

suburban

Juneau

suburban

Sitka

urban

Ketchikan

urban