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Alaska SR-22 & High-Risk Auto Insurance

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 state mandates SR-22 filing after DUI convictions, uninsured accidents, repeat violations, and license suspensions.

Liability Insurance

Alaska's 50/100/25 minimum is mandatory but insufficient for most high-risk drivers.

SR-22 Insurance

SR-22 is not a separate insurance type but a certificate filed by your carrier with Alaska DMV proving you carry continuous coverage. Alaska-specific detail: SR-22 filings are tracked electronically, and the DMV receives immediate notification if your policy lapses, triggering automatic suspension within 10 days.

Non-Standard Auto Insurance

Non-standard carriers in Alaska specialize in high-risk profiles including DUI, suspended license, and uninsured accidents.

Uninsured Motorist Coverage

Alaska requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage, though you can reject it in writing.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance.

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

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Required by Alaska law at 50/100/25 minimums, but serious accidents often exceed these limits.

SR-22 Filing

Certificate filed by your insurer proving continuous coverage to Alaska DMV. Required for 3 years after DUI, suspension, or uninsured accident.

Non-Standard Auto Insurance

Specialty coverage for drivers with DUI, suspensions, lapses, or major violations. Non-standard carriers accept high-risk profiles standard insurers decline.

Uninsured Motorist Coverage

Protects you if hit by a driver with no insurance or insufficient coverage. Alaska requires insurers to offer UM/UIM, though you can reject it in writing.

Full Coverage

Combines liability, collision, and comprehensive. Covers damage to your vehicle from accidents, theft, weather, and animal strikes.

Collision Coverage

Pays for damage to your car from accidents regardless of fault. Required by lenders if you finance or lease your vehicle.

Find Your City in Alaska

Anchorage

urban

Fairbanks

suburban

Juneau

suburban

Sitka

urban

Ketchikan

urban