How to Find Temporary Car Insurance in Alaska

There isn’t technically temporary car insurance available in Alaska, but you can buy a six-month policy and cancel early.
Written by Drew Waterstreet
Reviewed by Kathleen Flear
Getting temporary car insurance in Alaska requires a unique approach: purchase a policy with six months of coverage and simply cancel early. If a company offers you a shorter policy, watch out—it is likely a scam!
Alaska is often called America’s last frontier, but that doesn’t mean the end of personalized insurance coverage. Whether you’re a resident or visitor, it’s important to know your options for short-term car insurance coverage. 
If you’re looking for temporary
car insurance
, you’ve come to the right place. The experts at
Jerry
are here to cover what short-term car insurance is, which providers are reputable, and a few alternative options.
Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds
Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds
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What is temporary car insurance?

Whether you‘re a tourist exploring the last frontier or a resident completing a task on the homestead, temporary car insurance could come in handy. But there’s one small problem—
temporary car insurance
doesn’t technically exist. Fortunately, there’s a loophole.
If you’re in the market for short-term car insurance, you can purchase a six-month policy and cancel it once you no longer need the services.Be careful when implementing this method—switching plans too quickly can cause coverage gaps and driving without insurance is illegal. Plus, companies advertising shorter policy terms are often running scams

Best companies for temporary car insurance in Alaska

Now that you know how to get temporary car insurance, let’s introduce you to some reputable providers. The companies mentioned below typically offer free cancellations and refunds for unused premiums. Check out how temporary coverage works for each of them: 
  • GEICO
    : GEICO makes canceling a policy easy at any point during your short-term policy.
  • Allstate
    : In most cases, Allstate allows drivers to cancel without a fee.
  • USAA
    : Alaskan military members and families can benefit from free cancellations at any time.
  • State Farm
    : No early cancellation fee. Plus, the mobile app makes the refund process easy.
  • Progressive
    : Progressive’s policies vary from state to state, but you typically won’t be penalized for canceling early.
Before selecting a provider for your short-term coverage, it’s important to check some boxes. Only sign the dotted line once you’ve completed these two things:
1. Read the fine print. Know exactly what you're getting into so that there are no surprises when you go to cancel your policy.
2. Have a plan. Make sure you have coverage for however short or long you plan on being behind the wheel. According to
Alaska car insurance law
, is illegal to drive in the state without sufficient coverage. Failure to do so can result in a 90 license suspension and a $500 fine.
If you still have questions, reach out to an agent or visit the provider's website for more information.

Alternatives to temporary car insurance

In more unique scenarios, rental car insurance and non-owner car insurance could serve as potential alternative options for Alaskan drivers.

Rental car insurance

If you’re traveling to Alaska, you may need a rental car to access some of the more remote areas. The company you're renting from will typically provide you with a
rental car insurance
policy that meets state requirements.

Non-owner car insurance

If you don’t own a car but frequently borrow one,
non-owner car insurance
might be for you! Unlike traditional car insurance, which is anchored to a specific vehicle, non-owner insurance follows you from car to car—ensuring you're always covered wherever you go.

How to find affordable car insurance in Alaska

Alaska isn’t exactly known as the epicenter of traffic which, to the driver's benefit, helps to keep insurance rates low!
Regardless, the
Jerry
app is the easiest way to find car insurance quickly. As a
licensed broker
, Jerry compares policies from over 55 companies to find users the best price for the coverage they need.
And the perks don’t stop there. The Jerry app can even help cancel your policy when you’re done with it, eliminating the need for paperwork and phone calls. It's simply a must-have resource for all drivers seeking short-term car insurance.
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FAQs

If you find a policy for less than one month, it’s likely a scam and offers illegitimate coverage. Reputable car insurance companies don’t offer policies shorter than six months, so you’re better off buying a six-month policy and canceling it early. Always check with your provider to fully understand their cancellation policies.
Driving without car insurance in Alaska can be punishable by a 90-day license suspension and a $500 fine. Whenever you get behind the wheel, make sure your active policy meets the state-mandated 50/100/25 limits for liability insurance.
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