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The average cost of basic liability car insurance in Alaska is $2,071 per year.If you prefer to buy full-coverage car insurance in Alaska, you can expect to pay an average cost of $2,412 per year. Compared to nationwide averages, it costs $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Alaska
Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy.
Take a look at the table below to see what real customers saved with Jerry.
But your rate from each of those companies will depend on your ZIP code, your vehicle, and factors in your driver profile such as your credit score, age, and accident history. That’s because every insurer sets premiums using a multitude of variables—and they all weight those factors a little differently.
For example, you won’t be able to get a low rate from USAA unless you or a family member is a current or former military member. And while your vehicle might qualify you for a low rate from GEICO, you might find an even lower rate from Allstate based on your credit history.
For many Alaska drivers, car insurance costs less than the national average thanks to low population density. Less crowded roads means a lower accident rate in many cases—but there’s a flip side.
Harsh winters and icy roads can cause serious property damage, whether it’s to an SUV that skids on black ice and ends up in a ditch or a car that’s dented by ice storms. Unfortunately, Alaska also has one of the highest rates of uninsured motorists in the country, with the Insurance Information Institute reporting that 16.4% of Alaskan drivers don’t carry even the minimum coverage required by Alaska state laws.
All of those factors could raise your rate above the state average, depending on where in Alaska you live. Here’s a rundown of what you need to know about car insurance in Alaska.
The minimum coverage required by Alaska state law is $50,000 of bodily injury liability coverage per person, $100,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. That offers pretty robust protection for your wallet: if you’re at fault in an accident, you won’t need to pay out of pocket to fix the other driver’s car or cover their medical bills.
How much insurance do I need in Alaska?
In Alaska, minimum insurance requirements are $50,000 for bodily injury liability per person, $100,000 of bodily injury liability for each accident, and $25,000 of property liability for each accident. These minimum requirements are known as the 50/100/25 rule.
What do you need if you're pulled over?
In the event that an officer pulls you over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Alaska a no-fault state?
No, Alaska is an at-fault state that gives you the option of buying no-fault coverage. If you purchase personal injury protection (PIP), and are involved in an accident, you and your passengers will have medical expenses paid for immediately, regardless of who is at fault for the accident or if you have health insurance.
If you do not opt for this coverage, the at-fault driver’s insurance will pay for you and your passengers' injuries, once their insurance company accepts liability and confirms that there is enough coverage.
One of the biggest factors determining your average annual premium in Alaska is how much insurance you carry. If you stick to the state’s minimum coverage limits, you’ll pay less for insurance than someone with a so-called “full-coverage” auto insurance policy.
But if you want insurance coverage for your own vehicle for everything from crashes to hail to vandalism, you’ll need to spring for collision and comprehensive insurance. This combination is often referred to as “full coverage” insurance, and it’ll add a significant cost to your annual rate.
How to get cheap car insurance in Alaska with a DUI or speeding ticket
High-risk drivers pay the highest rates for auto insurance coverage in Alaska—even for basic liability coverage.
A major violation like a DUI is likely to get you labeled as high-risk, but your rate could go up as the result of repeated violations, multiple accidents, or something as minor as a speeding ticket. That’s because auto insurance companies see any driver with violations or points on their driver’s license as a potential risk. They’ll charge more for the same coverage because they expect a high-risk driver to cost them more in the long run.
If you’ve got a less than perfect record, you may not be able to find affordable coverage as easily as someone without any accidents—but it’s not impossible.
Here’s just a sample of the savings that Jerry customers with spotty driving records have found:
In most cases, you’ll be labeled as high risk based on your driving history. But teen drivers and other young drivers are high-risk from the beginning, because their lack of experience makes them more likely to get in accidents.
If you’re a young driver in Alaska, you can expect to find car insurance quotes that are exponentially higher than those old drivers get. Your rate will drop as you get older, with the biggest decrease coming after you hit 25 years old.
How can young drivers save money on car insurance in Alaska?
You’re likely to see higher rates in Alaskan cities than in the countryside due to the higher rate of accidents caused by congested roads. But if you live in a rural area with a high rate of fatal accidents due to weather conditions, you might also pay a higher premium.
Check out how Alaska car insurance rates vary from city to city on the table below.
Though major cities like Anchorage can be expensive, some of the smaller cities can have good affordable insurance. Ketchikan is one such city with a low annual average of $451.
City with Highest Rates of Accidents in Alaska
11.09% of drivers in Anchorage have a prior at-fault accident on their record, making Anchorage the worst city in Alaska for accident rates. High accident rates mean more expensive premiums.
Cities with the Longest Commute Times in Alaska
Big Lake has the longest commute time in Alaska. Drivers in Big Lake will need to commute an average of 40.3 minutes to work, which means a higher chance of an accident and more miles on their vehicle. Big Lake drivers can expect higher rates as a result.
Where you drive isn’t the only thing that determines your rate—what you drive also matters. Car insurance rates for more expensive vehicles tend to be higher, especially if your vehicle is rare, has a lot of upgrades, or is no longer produced.
It comes down to the cost of repairs. For example, a Ford-F150’s insurance costs are typically fairly affordable, because it’s easy to find the parts when it need repairs. But the cost to insure a Mercedes-AMG G63 is a lot higher: because there are so few of them on the road, the parts are harder to find, and because it’s a high-end vehicle, they cost more.
Average rates can even vary between models from the same automaker. Toyota insurance costs are generally on the low end, but if you drive a tricked-out Highlander Nightshade, you’ll likely pay more than you would for a base-trim Corolla.
Want to see what drivers with the same model as you paid before and after shopping with Jerry? Take a look at the table below.
Drivers in Alaska need big, sturdy vehicles to brave weather conditions and terrain, so it’s no surprise that the Ram Pickup 1500 is the most popular vehicle in the state. Ram 1500 drivers spend an average of $1,743 in car insurance every year, but Jerry users can save big.
Do you need more than the minimum car insurance in Alaska?
The cheapest auto insurance you can buy in Alaska is the state’s minimum required coverage: liability insurance.
As long as you carry an insurance policy that meets those minimums, you can drive legally in the state of Alaska—and you’ll be protected from huge bills or personal injury lawsuits if you’re in an at-fault accident. But while drivers with liability only might get the best rates, they’re not necessarily getting all the coverage they need.
A full-coverage car insurance policy in Alaska might cost more, but it provides much more coverage to your vehicle, especially if you’re in an accident with an uninsured driver or if your car is stolen. A typical policy might include:
The term “full coverage” is a bit of a misnomer, though, because it implies that those are the only types of car insurance you can buy. In fact, there are a ton of insurance add-ons you can combine with the coverages listed above to give your car (and your wallet!) even more protection.
Considering these risk factors, here are some additional coverages that would serve drivers in Alaska well:
With a resident rating of 8.61/10, Alaska’s roads are well-maintained. Drivers should still strongly consider roadside assistance. Harsh weather conditions could leave drivers stranded—get roadside assistance for towing, flat tires, and more.
How can you save money on auto insurance in Alaska?
No matter who you are, what car you drive, or what your credit history looks like, you can save money on your car insurance bill using the following strategies.
Shop around for quotes
In the olden days, saving money on car insurance premiums could take days—or even weeks! Making call after call to insurance companies, filling out stacks of paperwork, and waiting to hear back about your applications.
But we don’t live in the technological stone age anymore. Getting three to five car insurance quotes shouldn’t take all day—in fact, with Jerry, it takes just under a minute!
Here’s how: Jerry is an insurance broker partnered with over 55 insurance providers and backed by two elite teams of insurance agents and tech geniuses. Using the power of technology, Jerry combs through quotes from all our partners to show you quotes tailored to your profile in just 45 seconds. And once you’ve chosen a quote, Jerry’s insurance agents will handle all the paperwork and even help you cancel your old policy!
Best of all, you can ask jerry to conduct regular price monitoring so that you’re always on top with the lowest rates.
Look for discounts
Most insurance providers offer discounts based on your driving habits, payment history, profession, and more. But they won’t always advertise all of their discounts, so it’s up to you to do your research and see what’s available from your insurance company.
Here are some popular discounts to look for in Alaska:
Clean Driving Record Discounts
A good driving record can get you major savings on insurance premiums. Keep your driving record clean to get a sizable discount on your insurance.
Drivers who insure multiple vehicles with the same company or home/renters insurance at the same company are eligible for a bundling discount.
Good Student Discounts
Students with a minimum “B” average often qualify for a good student discount. This discount can save students 5 to 20 percent on their premium.
Increase your deductible
If you carry collision and comprehensive insurance, that coverage comes with a deductible—i.e., the amount you agree to pay before your insurance kicks in. Common deductibles include $500 and $1,000, but raising your deductible to a higher number can keep your month-to-month payments low.
Just be careful when raising your deductible—even if it would win you a lower monthly rate, it’s never a good idea to carry a deductible so high that you couldn’t pay that lump sum in the case of an accident.