Cheap Alaska Car Insurance

Compare the best rates from car insurance companies in Alaska.

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Here's what you need to know when driving in Alaska

Across the Last Frontier State, there are 31,108 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Alaska?
RankCompany NameAvg. Annual Premium
1Umialik$883
2USAA$948
3State Farm$985
4Progressive$1,235
5GEICO$1,924
6Allstate$2,350
7Safeco$2,476

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Cheap Insurance for Good Drivers in Alaska

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Alaska drivers without a recent at-fault accident save 34% on their car insurance, on average — a bit more than the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$22816.60%
No Accidents$61334.89%
Good Credit$84242.39%

Cheap Insurance for Young Drivers in Alaska

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Alaska, the typical teen driver pays $4,180 per year, which is less than the national average for teens but almost four times more than the Alaska average for all drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,373$5,423
17$4,152$4,815
18$3,999$4,104
19$3,595$2,985

Cheap Car Insurance for Bad Drivers in Alaska

Drivers with clean driving records — meaning no at-fault accidents, speeding tickets, DUIs, or other citations — typically pay less for car insurance. In Alaska, your car insurance premiums will increase by 32% after a DUI, 34% after an at-fault accident, and 16% after a speeding ticket. These post-incident rate hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,75834.89%
DUI$1,69132.30%
Speeding Violation$1,37216.60%
Bad Credit$1,98642.39%

Paying too much for auto insurance? Enter your ZIP code below to start shopping for a new policy.

What are the Best Car Insurance Companies in Alaska?

Every auto insurance company emphasizes its low rates. But just like with any service, the cheapest car insurance option isn't always the best selection. Considering the financial stakes, it's worthwhile to do the homework to find the insurance policy that insures your vehicle adequately in the event of an incident. Hunt for the best value, instead of settling for the cheapest auto insurance in Alaska.

Compare top insurance companies' financial strength and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — assesses an insurer's financial strength and ability to fulfill its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
GEICO3Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
UmialikNot RatedSuperior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Alaska?

The minimum allowed insurance in the state of Alaska is $50,000 Bodily Injury per person, $100,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

If you elect the minimum required coverage in Alaska, expect to pay a mean of $473 annually. This is less than the national average by 28%. If you choose higher-level car insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by car-vs.-car crashes, auto theft, or weather incidents. However, better auto insurance carries a price: in Alaska, a comprehensive policy with a $1,000 deductible costs $1,037, 120% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 149% more than you would for basic liability-only coverage.

Examine average costs for liability-only and comprehensive coverage levels in the following table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Alaska$472.50$1,037.38$1,176.93
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Alaska

In Alaska, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $50,000 per person
  • Bodily Injury $100,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Alaska (varies by carrier):
  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Alaska and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Alaska, the minimum is listed as 50/100/25 and explained below:

  • $50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Alaska but higher coverage amounts are available with most companies.

Alaska Car Insurance FAQs

Does Alaska require car insurance?

Yes. If you are going to be driving your vehicle on public roads, the car needs to be registered and insured at Alaska's minimum liability requirements. Alaska requires limits of $50,000 per person in bodily injury payments, $100,000 per accident, and $25,000 for the property damage you cause.

Is Alaska a no-fault insurance state?

No. Alaska is an at-fault state, meaning you are required to cover any damages — bodily injury or property damage — you cause in a collision.

How much does car insurance cost in Alaska cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Juneau, Alaska, and the most expensive in Anchorage, Alaska.

RankCityAvg. Annual Premium
1Anchorage$1,351
2Palmer$1,278
3Meadow Lakes$1,278
4Fairbanks$1,254
5Wasilla$1,234
6College$1,218
7Nikiski$1,214
8Kenai$1,214
9Homer$1,214
10Sterling$1,177
11Kodiak$1,123
12Ketchikan$1,000
13Sitka$987
14Juneau$983

Recent Alaska Car Insurance Questions and Answers

Why do I have to pay a deductible if I was hit by an uninsured driver?

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process.

Can I get a 1 day insurance policy?

Most insurance policies run for 6 or 12 month terms. You can always purchase a policy and cancel whenever you would like but you may not get any refund of the cancellation happens in the first month of the term.


Driving Laws

Alaska Texting and Driving Laws

  • Ban on text messaging for all drivers

 

Alaska DUI Laws

Driving under the influence in Alaska is considered a criminal offense. Penalties are handed out not just from the court (including jail), but from the DMV as well (such as license suspensions and revocations).

An expansive history of DUI will lead to harsher penalties and fines. Alaska maintains a 10-year “lookback period” in which DUIs stay on your record. Receiving multiple DUIs during this timeframe increases the amount and severity of penalties you’re subject to.

For the first DUI offense in Alaska, you will:

  • Be jailed for a minimum of 72 hours
  • Be fined $1,500
  • Have your license suspended for a minimum of 90 days
  • Require an ignition interlock device (IID) to operate a vehicle (six-month minimum)

 

Alaska Speeding Regulations

Alaska requires drivers to drive at a speed that is reasonable and prudent for the traffic, road conditions, and weather. Unless road hazards exist, you are speeding in Alaska if your speeds exceed:

  • 15 miles per hour in an alley
  • 20 miles per hour in a business district
  • 25 miles per hour in a residential district
  • Or 55 miles per hour on any other roadway

 

What Counts as Reckless Driving in Alaska?

You may be guilty of reckless driving in Alaska if you are:

  • Weaving between lanes
  • Passing on curves or double yellow lines
  • Driving on the center line
  • Driving with your windows down in cold weather
  • Making wide or high-speed turns
  • Impeding traffic by driving too slowly
  • Or tailgating

 

Alaska Distracted Driving Rules

Like most states, Alaskan drivers are expected to keep their attention on the road. To that end, Alaska has prohibited the installation and use of TVs, monitors, and other screens from being in full view of a driver while a vehicle is in motion.

In addition, drivers are not able to send or read any text communication on a handheld device, including emails, texts, or instant messages.

Drivers are not guilty of distracted driving in Alaska if they are using the voice functions of their cell phone or are using a GPS or navigation device.

 

Racing Laws in Alaska

Racing in Alaska is defined as a contest between one or more vehicles to determine which can achieve greater speed or acceleration over a given distance, even if the act itself does not violate any speed limits.

 

At-Fault Accidents in Alaska

Alaska is considered a “fault” state. The person found to be at fault for causing an accident is held liable for any damages or injuries experienced by other parties.

After an accident in which injuries or damages are estimated to exceed $2,000, drivers must immediately contact the local police department or Alaska State Troopers.

In addition, if damages exceed $500 or the accident resulted in bodily injury, drivers must submit a certificate of insurance to the Alaska DMV within 15 days of the accident.

Drivers in Alaska must carry minimum liability insurance coverage covering:

  • $50,000 for bodily injury or death
  • $100,000 for total bodily injury or death
  • $25,000 for property damage

How Do Tickets Impact Alaska Car Insurance Rates?

If you receive a ticket or citation, your car insurance rates will probably get more expensive. By how much depends on the specific citation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Alaska after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,97965%$781
Refused Breathalyzer/Chemical Test$1,82152%$622
DUI$1,82152%$622
Racing$1,73044%$532
Reckless Driving$1,76547%$567
Driving with a Suspended License$1,71743%$518
At-Fault Accident$1,80651%$607
Driving with an Open Container$1,44921%$251
Operating a Vehicle Without Permission$1,47723%$278
Passing a School Bus$1,53828%$339
Improper Passing$1,47723%$278
Following Too Closely$1,47723%$278
Speeding$1,44020%$242
Failure to Stop at a Red Light$1,47723%$278
Illegal Turn$1,47723%$278
Driving Wrong Way/Wrong Lane$1,47723%$278
Failure to Yield$1,47723%$278
Speeding in a School Zone$1,44020%$242
Driving Too Slowly$1,44020%$242
Distracted Driving$1,46522%$267
Driving with Expired Registration$1,2807%$82
Failure to Show Documents$1,2807%$82
Not-at-Fault Accident$1,2524%$54
Failure to Use Child Safety Restraint$1,1980%$0
Failure to Wear a Seat Belt$1,1980%$0
Driving Without Lights$1,1980%$0

Alaska Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Alaska area, while also getting an insider view of the Last Frontier.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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