Car Insurance After a DUI in Alaska: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Alaska increases car insurance rates by an average of 71%, raising a typical full coverage policy from $1,782/year to $3,047/year. That's an increase of $1,265/year ($105/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Alaska
Before DUI
$149/mo
$1,782/year full coverage
After DUI (+71%)
$254/mo
$3,047/year full coverage
Cheapest Companies After DUI in Alaska
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $188/mo | $2,255/yr | Military families |
| Erie Insurance | $201/mo | $2,407/yr | Rate lock guarantee |
| GEICO | $208/mo | $2,499/yr | Clean driving record |
| Progressive | $223/mo | $2,681/yr | Telematics savings |
| State Farm | $231/mo | $2,773/yr | Good students |
| Travelers | $241/mo | $2,895/yr | Multiple discounts |
| Nationwide | $264/mo | $3,169/yr | Bundling home + auto |
| Farmers | $274/mo | $3,291/yr | Signal telematics |
| Allstate | $284/mo | $3,413/yr | Accident forgiveness |
| Liberty Mutual | $300/mo | $3,595/yr | New car replacement |
USAACheapest
Monthly
$188/mo
Annual
$2,255/yr
Best for: Military families
Erie Insurance
Monthly
$201/mo
Annual
$2,407/yr
Best for: Rate lock guarantee
GEICO
Monthly
$208/mo
Annual
$2,499/yr
Best for: Clean driving record
Progressive
Monthly
$223/mo
Annual
$2,681/yr
Best for: Telematics savings
State Farm
Monthly
$231/mo
Annual
$2,773/yr
Best for: Good students
Travelers
Monthly
$241/mo
Annual
$2,895/yr
Best for: Multiple discounts
Nationwide
Monthly
$264/mo
Annual
$3,169/yr
Best for: Bundling home + auto
Farmers
Monthly
$274/mo
Annual
$3,291/yr
Best for: Signal telematics
Allstate
Monthly
$284/mo
Annual
$3,413/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$300/mo
Annual
$3,595/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Alaska, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Alaska
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Alaska
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Alaska
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $254/mo | +71% |
| Year 1 | $243/mo | +64% |
| Year 2 | $228/mo | +53% |
| Year 3 | $201/mo | +36% |
| Year 5 | $170/mo | +14% |
| Year 7 | $149/mo | Normal |