Temporary Auto Insurance in Alaska

Review the pros and cons of purchasing a short-term auto insurance policy.

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If you want flexible auto insurance, you might be interested in a short-term car insurance policy. However, short-term auto insurance agreements are rare for multiple reasons.

Most large companies don't offer contracts for periods shorter than six months. Because auto insurance coverage is required in every state but one, it can be risky to jump between policies. Additionally, you risk having gaps in your car insurance history by swapping policies frequently, which could lead to more expensive prices in the future.

Good news: car insurance policies commonly last for only six months. This quick turnaround allows car insurance companies to re-rate — or recalculate — your premiums using your updated driving history and personal profile.

It also stands as the perfect opportunity for you to reset your policy by considering other car insurers. Comparing quotes on the Internet costs nothing, and there’s no penalty for switching insurance companies at the end of your policy — or even in the middle of your policy term, assuming you never let your insurance lapse.

The flexible nature of car insurance makes it relatively easy to find with limited advance notice. If you're asked to purchase a policy to take a car off the lot, looking for coverage for a relatively long-term auto rental or seeking coverage for a car you don't own but drive regularly, consider purchasing a six-month policy and cutting the agreement short as needed.

 

 

Short-term car insurance in Alaska

Below are typical car insurance prices in Alaska, ordered by major underwriters and major cities. If your bills exceed the rates listed below, consider other options.

 
SHORT-TERM CAR INSURANCE RATES IN ALASKA — BY INSURANCE COMPANY
Insurance Company Average 6-Month Rate Average Monthly Rate
Alaska State Average — All Companies $637 $106
USAA $519 $86
State Farm $549 $91
Umialik Insurance $620 $103
Progressive $753 $125
GEICO $899 $150
 

The most budget-friendly option for single-month auto insurance in Alaska is USAA, through which you can save $5 per month, compared to the next-best option, State Farm. In Alaska, the average monthly cost of car insurance is $106, or $637 over a biannual contract.

Where you live has as large an effect on your car insurance rates as does your choice of insurance company. Car insurance companies take into account the number of local insurance claims when assigning prices by ZIP code. Check out insurance rates in the biggest cities in Alaska and compare the amount you pay.

 
TEMPORARY AUTO INSURANCE RATES IN ALASKA — BY CITY
Location Average 6-Month Rate Average Monthly Rate
Anchorage $751 $125
Fairbanks $661 $110
Juneau $529 $88
College $641 $125
Sitka $522 $87
 

Because of the myriad factors involved in setting insurance rates, your quotes may not match the totals displayed above. If your current costs don't match those listed above, take some time to weigh your options. The short-term duration of a car insurance policy enhances the importance of staying in-the-know and willing to shop.

Learn more about temporary auto insurance or use The Zebra to compare quotes for free online.

 

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.