Temporary Auto Insurance in Alaska

If you're looking for flexibility when shopping for auto insurance, you could consider a short-term auto insurance policy. In truth, short-term auto insurance is rare for a few reasons.

First, many auto insurance companies won't draw up contracts shorter than six months. Since car coverage is required by law in most places in the US, there's some risk associated with swapping policies every month. You also risk having holes in your record by making abrupt moves between policies, resulting in higher rates in the long run.

There's some good news: car insurance policies commonly run for just six months. This short duration allows insurers to frequently “re-rate” — or recalculate — your costs with your updated driving record and demographics.

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Short-term auto insurance in Alaska

It also gives you a timely opportunity to reset your insurance situation and shopping other car insurance companies. Retrieving rates online is quick and complimentary, and there is no penalty for trading car insurance companies when a policy expires — or even in the middle of your policy term, as long as you don't let your coverage lapse.

The short-term nature of auto insurance means it's relatively easy to purchase on short notice. If you need an insurance policy to take a car away, shopping for insurance for a long-term rental, or seeking coverage on a vehicle you don't own but drive often, consider purchasing a policy and cutting the term short as needed.

See below typical car insurance premiums in Alaska, organized by major companies and cities. If your premiums exceed the rates listed below, consider shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Alaska State Average — All Companies$728$121
State Farm$543$90

The most affordable option for temporary auto insurance in Alaska is USAA, which can save you $9 per month, compared to the second-cheapest option, State Farm. In Alaska, the average monthly price of auto insurance is $121, or $728 over a biannual period.

The place in which you live can have as large an effect on your insurance premiums as the insurance company you choose. Auto insurance companies take into account the density and likelihood of a claim being filed when drafting prices by ZIP code. Take a look at insurance rates in the largest Alaska cities and compare the amount you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate

If your rates exceed the above, take the time to shop around. The temporary nature of a car insurance contract enhances the importance of staying in-the-know and ready to shop.

Learn more about temporary auto insurance or use our search function to compare rates today.

Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.

Shop policies from top insurers!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.