Drivers need SR-22 insurance in Alaska after being convicted of a serious traffic violation, such as reckless driving or DUI. These drivers are considered “high risk” and are required to file an SR-22 certificate with the state to prove they have at least the minimum amount of car insurance required by Alaska law. Drivers in Alaska must maintain their SR-22 filing for 3-20 years or the rest of your life, depending on the offense.
Your first speeding ticket won’t necessarily guarantee that you need an SR-22. Alaska only requires an SR-22 for specific traffic offenses, or accidents that cost more than a certain dollar amount.
Drivers in Alaska Need SR-22 Insurance After:
Driving without insurance
DUI or DWI conviction
Refusing a breathalyzer
Repeated traffic violations
At-fault accident causing injuries or death
Since each of these violations is serious, insurance companies consider drivers who need an SR-22 to be high-risk customers. That means if you are required to buy SR-22 coverage, insurance companies will charge you more in premiums to offset what they see as the added risk of covering you.
You can get your SR-22 removed in Alaska after 3-20 years or the rest of your life, depending on the offense by notifying your insurance company, which will cancel the SR-22 filing with the state. Sometimes, the DMV will send you a notice letting you know when your SR-22 period is over.… read full answer
If you’re not sure whether you’ve satisfied your SR-22 certification requirement, you can find out when you’ll be able to remove the high-risk SR-22 label from your driving record by contacting the DMV. Drivers who cancel their SR-22 coverage too early risk having their license suspended or facing fines.
Once you cancel your SR-22, your insurance premiums will likely go down because you are no longer considered as high-risk. As a result, you should get quotes from different insurance companies to make sure that you’re still getting the best deal. Additionally, if you do not own a car but were previously required to file a non-owner SR-22, you are free to cancel your insurance altogether.
Drivers in Alaska need to keep their SR-22 certification active with the state for 3 consecutive years. In order to do so, drivers must maintain at least the minimum car insurance coverage required by Alaska law: bodily injury insurance of at least $50,000 per person and $100,000 per accident, plus $25,000 of coverage for property damage and $50,000 per person / $100,000 per accident / $25,000 property damage of uninsured motorist coverage. If there is any lapse in coverage, the clock resets.… read full answer
When you get SR-22 insurance coverage in Alaska, your insurance company files your SR-22 certification with the state on your behalf. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You need to maintain your SR-22 even if you move from Alaska.
If you’re unable to afford your payments, contact your insurance agency before you miss a bill. You can request a different payment plan or get information about subsidized plans that may be more affordable.
You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance company. It confirms that you have an active policy with at least the minimum insurance coverage legally required in your state.… read full answer
In most cases, you’ll have to file an annual SR-22, certifying your insurance coverage, for 3 years. However, the time period can range from 2 to 5 years depending on the state and the reason for the SR-22. Also, depending on the state, this time period can start on your offense date, conviction date, license suspension date or reinstatement date. Make sure you know how long you have to maintain your SR-22. If you cancel your insurance before the time is up, your license or registration can be suspended or revoked.
Most states use the SR-22 form. Eight states don’t: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Two states—Florida and Virginia—use the SR-22 but have a different form for DUI/DWI convictions, the FR-44. If you move from one state to another, you will need to maintain your SR-22 certification with your original state through an out-of-state filing, even if your new state doesn’t require SR-22s.
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