Official Alaska Guide

Alaska SR-22 Insurance

A complete roadmap to satisfying Alaska DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

50/100/25

$50k BI / $100k Total / $25k PD

Mandate Term

3 Years

Standard for most violations

Filing Fee

~$25 - $40

One-time administrative cost

How Alaska SR-22 Filing Works

In Alaska, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Alaska Division of Motor Vehicles (DMV). It proves that you carry the state-mandated minimum liability insurance (50/100/25) required to maintain a valid Alaska driver's license.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in AK?

DUI / Refusal: Convictions for driving under the influence or refusing a chemical breath test.
Uninsured Accident: Being involved in an accident causing injury or $500+ in damage while uninsured.
Point Accumulation: Receiving too many demerit points on your driving record within a 12 or 24-month window.
Mandatory Revocation: Any court-ordered or administrative license revocation requires an SR-22 for reinstatement.

Don't Own a Car in Alaska?

You can still get reinstated! An Alaska Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Alaska DMV requirement and is typically much cheaper than a standard policy.

Read our full guide on Non-Owner policies

The AK Reinstatement Timeline

Check Eligibility

Verify your mandatory suspension period and specific requirements through the Alaska DMV online portal.

Secure SR-22

Purchase a policy with 50/100/25 limits. Your carrier will electronically transmit the certificate to the DMV.

Pay Reinstatement Fees

Pay the required reinstatement fees (typically $100-$500) online or at an Alaska DMV field office.

Drive Legally

Once the SR-22 is processed and fees are cleared, your status returns to 'Valid' and you can drive again.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Alaska:

First Offense

Mandatory Revocation

Court Fines

Up to $5,000 + Costs

SR-22 Period

3-Year Clock Resets

Vehicle Impact

Impoundment / Registration Denied

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Alaska Filing FAQs

How much is the filing fee in Alaska?

Most insurance carriers charge a one-time fee of $25-$40 to electronically file the certificate with the Alaska DMV. This is separate from your monthly premium.

Can I drive out of state with an AK SR-22?

Yes. Your Alaska SR-22 allows you to drive legally in other states. However, you must maintain the higher Alaska limits (50/100/25) even when driving elsewhere.

What makes Alaska SR-22 different?

Alaska requires significantly higher liability limits ($50,000/$100,000/$25,000) than most other states, which only require $25,000 or $15,000.

Can I get a Non-Owner policy in AK?

Yes, Alaska allows Non-Owner SR-22 filings. This is the most affordable way to reinstate your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Alaska law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses. This results in an immediate administrative suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Alaska DMV to confirm the requirement is fulfilled. You can then instruct your insurer to remove the SR-22 filing.

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