Car Insurance in Alaska

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Looking for cheap car insurance in Alaska?

Car insurance premiums in Alaska are fairly affordable—the state’s low population density contributes to lower rates. Nevertheless, it doesn’t hurt to shop for the cheapest car insurance by comparing rates with Jerry.
While Alaska’s car insurance rates tend to be quite a bit lower than the national average, drivers in Alaska’s cities—notably Juneau, Fairbanks, and Anchorage—could see higher rates than more remote parts of the state. Additionally, Alaska’s severe weather conditions could impact rates across the large state.
That said, insurance companies look at more than just your location when setting your car insurance premiums. Carriers will consider your age, driving history, and other factors when giving you quotes, so it’s a good idea to compare quotes so you can get the best price.
Luckily Jerry is here to help you find the best rates for you. Sign-up takes less than a minute, Jerry will source quotes from over 50 top insurance providers. Then, Jerry will take care of all of the paperwork—even helping to cancel your old policy. The average Jerry customer saves $879 per year on car insurance.
Don’t just take our word for it. Here are some real quotes and savings from customers in Alaska who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
March 28, 2021Ford Fusion SESoldotna23Progressive$189/mo.$114/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does car insurance cost in Alaska?

The average cost of liability-only car insurance in Alaska is $1,512 per year. If you prefer to buy full coverage car insurance in Alaska, you can expect to pay an average cost of -- per year.

How does the cost of car insurance in Alaska compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What contributes to car insurance rates in Alaska? Here are some things to consider:
  • Low population density: As the biggest state (area-wise) in the country, Alaska has one of the lowest population densities in the country, which contributes to less-crowded roads.
  • Extreme weather: Alaska is known for its harsh winters and icy roads, which can lead to car accidents or vehicle damage
  • Uninsured drivers: Alaska has some of the highest rates of uninsured drivers in the country
Here’s how Alaska’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$2,491$1,672$2,359$1,390$2,763$1,962
National Average
All Coverage Before Jerry
$2,491
All Coverage After Jerry
$1,672
Minimum Coverage Before Jerry
$2,359
Minimum Coverage After Jerry
$1,390
Full Coverage Before Jerry
$2,763
Full Coverage After Jerry
$1,962
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## Top auto insurance providers in Alaska

Many top insurance companies serve drivers in Alaska. Customers often opt for polices from include [State Farm](https://getjerry.com/car-insurance/state-farm-car-insurance-quote), [Geico](https://getjerry.com/car-insurance/geico-car-insurance-quote), and [Progressive](https://getjerry.com/car-insurance/progressive-car-insurance).

However, you might find that another provider has better rates for you.

Insurance companies have their own formula for setting premiums. So, if you get quotes from several providers, you’ll probably end up with a different rate from each one—even for identical coverage.

Factors like your age, driving history, marital status, and location can all contribute to your car insurance rates.

The vehicle you drive will also factor into your car insurance rates. For example, more expensive cars like an [Audi A6](https://getjerry.com/car-insurance/audi-a6-insurance-cost) will cost more to insure than a [Subaru Outback](https://getjerry.com/car-insurance/subaru-outback-insurance-cost) because of the base cost of the Audi—and the higher cost of replacement parts.

Despite the variables, drivers in Alaska have been able to find some great deals with [Jerry](https://getjerry.com/signup). Here are some of the best savings:

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Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What car insurance do you need in Alaska?

Alaska requires that drivers carry minimum liability insurance before hitting the road. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$50,000 per person / $100,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
Failure to obtain the required insurance could result in penalties, including:
  • Driver’s license suspension of up to 90 days
  • Fine of up to $500 for your first offense
Because liability insurance only covers other drivers if you’re in an accident, it’s recommended that you carry more than the minimum liability insurance. Some coverages that will serve Alaska drivers will include:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
No matter the coverage you choose, Jerry will get you the best rates for the coverage you need.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy for you. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal. Jerry customers save $879 per year on average!
Now that we’ve gone over insurance basics, here are some things that impact the cost in Alaska.

How is your cost of car insurance determined in Alaska?

Insurance providers consider a variety of factors to determine your car insurance rates, including your age, driving record, zip code, and type of car you drive.
What young drivers in Alaska need to know
  • Young drivers are considered higher risk than more experienced drivers, so rates can be exponentially higher
  • Defensive driving courses can help young drivers secure lower car insurance premiums
  • Young drivers who maintain good grades can qualify for a good student discount
By taking advantage of those discounts, shopping around, and maintaining a clean driving record drivers under 25 can find a good deal on car insurance.
Jerry can help young drivers find the best rates. Here are the average premiums for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$2,268$756
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Alaska with a poor driving record

Your driving history also plays a major role in your insurance premiums. If you’ve been in an accident, gotten a speeding ticket, or gotten a DUI or other major offense, you will have higher rates for your Alaska car insurance rates.
Insurance companies will consider you a high risk driver if you have past infractions on your record, so your rates will be higher than if you had a clean driving record.
Even still, you can find good prices for car insurance with Jerry! Jerry will find you a provider who will get you the coverage you need at the price you want—no matter your driving history.
Here are some examples of rates for drivers with less-than-perfect records after switching with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,268$756
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Alaska based on where you live

While Alaska’s car insurance premiums are often lower than the national average, your rates could fluctuate depending on where you live.
Residents of Alaska’s cities will see higher rates than those in less-populous areas because of greater road congestion, which could lead to more accidents.
These are some of the best rates for car insurance in Alaska for Jerry customers:
City
Average Cost
Annual Savings with Jerry
Soldotna$2,268$756
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Alaska based on the type of car you drive

Your vehicle will also play a part in setting your car insurance rates as more expensive, harder to repair cars will cost more to insure. For example, a Ford F-150 will be fairly affordable to insure—especially for a truck—because its parts are easy to find and maintenance tends to be less expensive.
Generally, less expensive vehicles will be cheaper to insure because their repair or replacement costs will be lower. Additionally, limiting your mileage will reduce your rates because you’re less likely to get into an accident.
Conversely, if you’re behind the wheel of a luxury car like a Mercedes-AMG G63 you can expect to pay a bit more for car insurance each month because of the higher cost of replacement parts and repairs.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How to save money on car insurance in Alaska

No matter your driving history, location, or background, there are always ways to save money on car insurance.

Shop around for quotes

Perhaps the easiest way to save money on your car insurance premiums is by shopping around for car insurance quotes. You should aim to get quotes from at least three to five insurance companies.
But shopping around is tedious as it often means filling out countless forms and spending time on hold with insurance agents. That’s where Jerry comes in.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry handles all the hard work for you—from collecting quotes from over 50 top insurance providers and completing the paperwork to get you signed up. Jerry can even help you cancel your old policy.
Even better, Jerry monitors prices before your renewal and lets you know if there’s a better deal, so you know you’re always getting the lowest rates.

Look for discounts

Most insurance companies offer discounts as another way to save rates. Not all discounts are readily advertised, so it’s a good idea to check with your provider to see what’s available.
Here are some popular discounts in Alaska:
DiscountWho is eligible?
Good driver discountsDrivers in Alaska are eligible for good driver discounts if they have a valid driver’s license, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers between 10%-30% on their car insurance premium.
Bundling discountsIf you have multiple insurance products (like auto and home) with the same company, you can bundle your policies for an easy discount—often saving around 18%.
Defensive driver discountsMost insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This would particularly benefit younger drivers with sky-high premiums.
Payment and billing discountsMany companies offer discounts for customers who pay their premium in full, sign up for automatic payments, or enroll in paperless billing. This discount could save you up to 25% off your annual premium.
Good student discountsAnother discount young drivers may want to consider is a good student discount. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Continuous coverage discountsCompanies reward loyalty, and insurance providers may offer discounts—often 5% to 25%—to customers who have been continuously insured for 6 months or more.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Some insurance companies in Alaska also factor in considerations like your employment, residential, and marital status when they set their car insurance premiums. If you’re married, own a home, or have an affiliation with certain employers or institutions, you may be eligible for a discount.

Increase your deductible

Increasing your deductible is another way to save on your monthly premiums. This is the amount you pay out of pocket if you were to make a claim.
A higher deductible would mean that you pay more in the event of a claim, but you could save money if you don’t think that’s likely. However, it’s important to ensure that you can afford to pay the full deductible each time you would need to make a claim.

Registering your car in Alaska

If you want to register a car in Alaska, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Proof of insurance
  • Proof of sales tax payment
  • VIN inspection from a DMV allowed inspector
It’s a good idea to make an appointment with the DMV to register your car. In addition to the above paperwork, you’ll have to fill out the necessary documents—including some personal information and details about your vehicle.
Drivers in Alaska are required to renew their vehicle registration every year.

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