Best Car Insurance in Alaska (2025) Car Insurance Guide (Cheap Rates + Best Companies)

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Nov 1, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Best Car Insurance in Alaska (2025)
Best Car Insurance in Alaska (2025) Statistic Summary
Road Miles 16,129
Registered Vehicles 783,169
State Population 737,979
Percentage of
Uninsured Motorists
15.40
Driving Deaths Speeding: 26 Drunk Driving: 22
Average Premiums Annually
Liability: $539.68 Collision: $350.81 Comprehensive: $137.26
Cheapest Provider: State Farm Mutual Auto

Driving in Alaska can be quite adventurous depending on how much you enjoy the terrain.

American Family: Best for Discounts

Company Facts

Avg. Monthly Rate Federal Employee

$117

A.M. Best Rating

A+

Complaint Level

Low
Clearcover
3.7

Company Facts

Average Monthly Rate For Good Drivers

$20

A.M. Best Rating

A-

Complaint Level

Med

Pros & Cons

  • Streamlined digital process
  • Up to 30% cheaper than other insurance companies
  • Offers rideshare and alternate transportation coverage
  • Quick claims processing through the app
  • Highly rated mobile app for ease of use
  • Limited availability (only in 20 states)
  • No local agents or face-to-face service
  • Does not offer bundled policies (homeowners insurance not included)
  • Only offers auto insurance, no other coverage types
Inshur Car Insurance Review (2025)
N/A0.0

Company Facts

Average Monthly Rate For Good Drivers

A.M. Best Rating

Complaint Level

Low

Though your eyes would get to see majestic landscapes, you will have to drive on unpaved and snowy roads at some point in time while living there.

And, there’s a possibility of getting hit by a bear or moose also on those never-ending stretches of highway. Since there are obvious dangers on the road, you should research your car insurance coverage well before driving.

By reading this car insurance guide for Alaska, you would be well-informed about the minimum coverage requirements, rules of the road, state laws, best insurance companies, etc.

You can also start comparison shopping today by entering your zip code in our FREE online tool above!

What are Alaska car insurance coverage and rates?

The first and foremost information that you need before asking for quotes from insurers is the coverage requirements and rates in your state.

Why is that important?

Because if you aren’t aware of the minimum coverage requirements, options for additional coverage, add-ons, different types of discounts, and, rates in your zip code, you might end up with a policy that’s unsuitable for you.

Also, in the event of an unfortunate accident, you must be reasonably covered to pay any personal injury and property damage expenses as well as know the law to avoid any scams.

Did you know that there are many remote areas in Alaska wherein vehicle registration and insurance is not a requirement? Click now to check the exempted areas in your state.

Like every other shopping experience, you have to dive deep through the internet to get the best coverage.

Without further ado, let’s get you started with details that would help in your car insurance buying process.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are minimum car insurance coverage requirements in Alaska?

Every state has a mandatory minimum liability coverage requirement for the safety of everyone on the road.

View as image In Alaska, it’s illegal to drive without the minimum insurance coverage and if you attempt to do that, you would face a fine of up to $500 as well as lose driving rights for a year.

Now, you might think that why do you need to shell out your hard-earned money for premiums every year when you drive safely always? We have an answer to that question.

Why the mandatory minimum coverage?

The mandatory insurance law came into place because of the inability of a few people to pay-off damages in an accident caused by them. Also, the financial and legal costs from an accident run into millions at times.

Hence, car insurance policies were invented to make a collective pool of premiums from which insurers could pay damages from accidents.

The Alaska statutes section 28.22.101 requires motorists in Alaska to buy minimum liability car insurance coverage of:

  • Bodily Injury/Death: $50,000 per person per accident, with a maximum limit of $100,000 per accident
  • Property Damage: $25,000 per accident in total

In this basic coverage, the insurer would pay any medical costs for personal injury to drivers, passengers & pedestrians, and, property damages costs as per the limits of the coverage.

The state minimum liability coverage pays for the damages sustained by the no-fault party, and wouldn’t cover your own personal injury and property damage costs if you’re the at-fault party.

Point to note:The car insurance limits mandated by the state of Alaska wouldn’t be enough to cover the cost of damage if you are involved in an accident with a luxury car or your car gets totaled by a moose attack.

We would talk about the different types of insurance coverage that you may consider buying for better protection in the next few sections.

What are acceptable forms of financial responsibility in Alaska?

Alaska’s financial responsibility law requires motorists to prove that they have the means to settle damages if involved in an accident while driving. Buying a car insurance policy is one way of proving financial responsibility, but there are other ways to prove that you have assets in reserve.

  • Surety Bond:A bond assured by a licensed company that covers the minimum state requirement amount also serves as a proof of financial responsibility in Alaska.
  • Self-Insurance: You can also get a self-insurance certificate from the DMV if you can prove that you would be able to pay the minimum coverage amount in the event of an accident, provided you have a minimum of 25 registered vehicles.

You would be required to show proof of financial responsibility during these situations:

  1. Registration of car
  2. Reinstatement of driver’s license after suspension
  3. At the request of a police officer
  4. If you happen to be involved in an accident

How much are premiums as percentage of income in Alaska?

Car insurance premiums vs income in alaska

 

Since buying car insurance doesn’t make us happy and also involves a fixed financial outlay every month, we always want to know what percentage of our income we’re spending on premiums.

In 2014, the average premium charged by insurance companies was around 2.11 percent of the personal household disposable income. The full coverage average premium was $1,050.09, while the average income was $49,756.

As compared to 2013 and 2012, the percentage of premium to income was lower in 2014. Though there was a drop in income during 2013, average premiums witnessed a slight rise.

On the whole, the premium cost to income ratio in Alaska isn’t very high as compared to some states such as Michigan and Louisiana where premiums are almost 3.6 percent of the disposable income.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are average monthly car insurance rates in AK (liability, collision, comprehensive)?

In the previous section, we looked at what percentage of income is being spent by Alaskans on car insurance premiums. But, how much is that premium when broken down into different coverage types?

By law, you’re required to buy only the state minimum liability coverage, but in reality, you are recommended to buy additional coverage, such as collision, comprehensive, uninsured insurance, personal injury protection, etc.

The additional coverage options offer you a larger cushion to settle damages in the event of an accident. On the other hand, liability insurance only pays for other party’ expenses from an accident caused by you.

Before delving into the various options available to you for additional coverage, let’s look at the premium rates for liability, collision, and comprehensive insurance in Alaska.

Core Coverage Premiums in Alaska

Type of CoverageMonthly Rates
Liability$44.97
Collision$29.23
Comprehensive$11.44
Full Coverage$85.65

Compare RatesStart Now →

Please note that the premiums listed in the table above are an indication of the rates in Alaska, and might differ significantly on the basis of your personal situation and factors.

In case you want to lower your premiums, here’s a short video on how to get the cheapest rates.

 

Do you need additional auto insurance coverage in Alaska?

We have talked about liability coverage in detail multiple times now because you are required to settle damages caused by you in an accident irrespective of anything else. That’s the law!

But, who would pay your personal injury and property damage expenses if you’re the at-fault party? Also, has anyone told you that there are motorists who drive without any insurance coverage?

The answer to all those questions is additional car insurance coverage. Let’s understand the different options in the market.

  • Uninsured/Underinsured Insurance: This coverage is a blessing if you get hit by a motorist who’s uninsured or underinsured because an uninsured motorist wouldn’t have the means to pay your damages, but this coverage option would.
  • Personal Injury Protection: Irrespective of the fault, PIP pays for your personal injury expenses in an accident.
  • Collision Coverage: There’s some chance that you might tread off that path and hit a tree on the Alaskan highway someday. If you collide with a tree or any other object, your collision coverage would pay for the repairs.
  • Comprehensive Coverage: Circumstances beyond our control such as theft, fire, vandalism, and hurricanes may cause damage to your motor vehicle, and comprehensive coverage would pay for the repair of these damages.

Loss Rati in Alaska

Loss Ratio202520242023202220212020
Medical Payments73%73%72%71%70%66%
Uninsured/Underinsured Motorist65%64%63%63%63%60%

Compare RatesStart Now →

The loss ratio for uninsured motorist coverage hovers around 50 percent in Alaska as we can see in the table above for three years. This means that insurers are paying around $50 in claim settlement for every $100 earned in premiums from this optional coverage.

Alaska ranks at number 11 among all the states in the estimated uninusred motorists category with around 15.4 percent motorists driving without any insurance in the state.

What add-ons, endorsements, and riders are available in Alaska?

Apart from the basic coverage types that you must buy to protect yourself, insurers also offer few add-ons and optional riders that would be of use under specific circumstances.

Add-ons like a mechanical breakdown or emergency roadside assistance can be quite useful in Alaska as you drive on unpaved roads without any service station in sight for miles.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are average monthly car insurance rates by age & gender in AK?

Premium Rates by Demographics in Alaska

Age & GenderAllstate: Premium Rates by Demographics in AlaskaGeico: Premium Rates by Demographics in AlaskaProgressive: Premium Rates by Demographics in AlaskaState Farm: Premium Rates by Demographics in AlaskaUSAA: Premium Rates by Demographics in Alaska
Married 35-Year-Old-Female$178$177$154$112$120
Married 35-Year-Old-Male$178$171$136$112$120
Married 60-Year-Old-Female$170$167$129$100$112
Married 60-Year-Old-Male$170$159$132$100$111
Single 17-Year-Old-Female$425$389$542$347$388
Single 17-Year-Old-Male$557$496$604$449$431
Single 25-Year-Old-Female$201$175$173$132$172
Single 25-Year-Old-Male$220$187$171$135$182

Compare RatesStart Now →

Age and gender will affect your car insurance. Younger drivers are often in a high-risk class. See if the gender stereotype (males pay more) holds true in AK.

As per multiple studies, women are less likely to cause an accident than men, and men are considered riskier drivers. Although auto insurance companies might not accept it, but the premium rates for men are higher than for women.

In Alaska, men and women above 30 are paying similar premiums, however, the gap in rates is evident in the 17-25-year-old category. The rates for single 17-year-old males are significantly higher than the females.

Insurance Carrier Rank by Demographics in Alaska

Insurance CompanyRankDemographicMonthly Rates
Progressive: Insurance Carrier Rank by Demographics in Alaska1Single 17-Year-Old-Female$604
Allstate: Insurance Carrier Rank by Demographics in Alaska2Single 17-Year-Old-Female$557
Progressive: Insurance Carrier Rank by Demographics in Alaska3Single 17-Year-Old-Female$542
Geico: Insurance Carrier Rank by Demographics in Alaska4Single 17-Year-Old-Female$496
State Farm: Insurance Carrier Rank by Demographics in Alaska5Single 17-Year-Old-Female$449
USAA: Insurance Carrier Rank by Demographics in Alaska6Single 17-Year-Old-Female$431
Allstate: Insurance Carrier Rank by Demographics in Alaska7Single 17-Year-Old-Female$425
Geico: Insurance Carrier Rank by Demographics in Alaska8Single 17-Year-Old-Female$389
USAA: Insurance Carrier Rank by Demographics in Alaska9Single 17-Year-Old-Female$388
State Farm: Insurance Carrier Rank by Demographics in Alaska10Single 17-Year-Old-Female$347
Allstate: Insurance Carrier Rank by Demographics in Alaska11Single 25-Year-Old-Female$220
Allstate: Insurance Carrier Rank by Demographics in Alaska12Single 25-Year-Old-Female$201
Geico: Insurance Carrier Rank by Demographics in Alaska13Single 25-Year-Old-Female$187
USAA: Insurance Carrier Rank by Demographics in Alaska14Single 25-Year-Old-Female$182
Allstate: Insurance Carrier Rank by Demographics in Alaska15Married 35-Year-Old-Female$178
Allstate: Insurance Carrier Rank by Demographics in Alaska15Married 35-Year-Old-Female$178
Geico: Insurance Carrier Rank by Demographics in Alaska17Married 35-Year-Old-Female$177
Geico: Insurance Carrier Rank by Demographics in Alaska18Single 25-Year-Old-Female$175
Progressive: Insurance Carrier Rank by Demographics in Alaska19Single 25-Year-Old-Female$173
USAA: Insurance Carrier Rank by Demographics in Alaska20Single 25-Year-Old-Female$172
Progressive: Insurance Carrier Rank by Demographics in Alaska21Single 25-Year-Old-Female$171
Allstate: Insurance Carrier Rank by Demographics in Alaska23Married 60-Year-Old-Female$170
Allstate: Insurance Carrier Rank by Demographics in Alaska23Married 60-Year-Old-Female$170
Geico: Insurance Carrier Rank by Demographics in Alaska25Married 60-Year-Old-Female$167
Geico: Insurance Carrier Rank by Demographics in Alaska26Married 60-Year-Old-Female$159
Progressive: Insurance Carrier Rank by Demographics in Alaska27Married 35-Year-Old-Female$154
Progressive: Insurance Carrier Rank by Demographics in Alaska28Married 35-Year-Old-Female$136
State Farm: Insurance Carrier Rank by Demographics in Alaska29Single 25-Year-Old-Female$135
Progressive: Insurance Carrier Rank by Demographics in Alaska30Married 60-Year-Old-Female$132
State Farm: Insurance Carrier Rank by Demographics in Alaska31Single 25-Year-Old-Female$132
Progressive: Insurance Carrier Rank by Demographics in Alaska32Married 60-Year-Old-Female$129
USAA: Insurance Carrier Rank by Demographics in Alaska33Married 35-Year-Old-Female$120
USAA: Insurance Carrier Rank by Demographics in Alaska34Married 35-Year-Old-Female$120
USAA: Insurance Carrier Rank by Demographics in Alaska35Married 60-Year-Old-Female$112
State Farm: Insurance Carrier Rank by Demographics in Alaska36Married 35-Year-Old-Female$112
State Farm: Insurance Carrier Rank by Demographics in Alaska36Married 35-Year-Old-Female$112
USAA: Insurance Carrier Rank by Demographics in Alaska38Married 60-Year-Old-Female$111
State Farm: Insurance Carrier Rank by Demographics in Alaska39Married 60-Year-Old-Female$100
State Farm: Insurance Carrier Rank by Demographics in Alaska39Married 60-Year-Old-Female$100

Compare RatesStart Now →

What are premium rates by ZIP code in Alaska?

Any typical conversation with an insurance agent for quote starts with questions specific to your profile and one of the foremost things they ask is your zip code.

Why is Zip Code important?

A lot of times you would have observed that rates in your city vary from zip code to zip code. Using your zip code, insurance companies can fetch data about car thefts, vandalism, accident rates, weather conditions, etc. in your zip code, factors that help them determine the final rate.

We have collated the rates for every zip code/city in Alaska and you can use the search box to look for rates in your area.

Rates by Zip Code in Alaska

ZipcodeGrand TotalRankCompared to Average (+/-)City
99504$3,1331$379ANCHORAGE
99567$3,1242$370CHUGIAK
99577$3,1113$357EAGLE RIVER
99508$3,1014$347ANCHORAGE
99645$3,0925$338PALMER
99502$3,0866$332ANCHORAGE
99507$3,0837$329ANCHORAGE
99518$3,0808$326ANCHORAGE
99503$3,0759$320ANCHORAGE
99599$3,0759$320ANCHORAGE
99501$3,07411$320ANCHORAGE
99513$3,07411$320ANCHORAGE
99529$3,07411$320ANCHORAGE
99652$3,07314$319BIG LAKE
99654$3,07314$319WASILLA
99515$3,07316$318ANCHORAGE
99517$3,06917$315ANCHORAGE
99530$3,06917$315ANCHORAGE
99674$3,06019$306SUTTON
99516$3,05620$302ANCHORAGE
99540$3,02721$273INDIAN
99505$3,01322$259JBER
99506$2,98923$235JBER
99688$2,95724$203WILLOW
99694$2,95724$203HOUSTON
99587$2,89526$141GIRDWOOD
99701$2,88627$131FAIRBANKS
99714$2,88028$126SALCHA
99712$2,87629$122FAIRBANKS
99790$2,87629$122FAIRBANKS
99703$2,87631$122FORT WAINWRIGHT
99519$2,85432$100ANCHORAGE
99716$2,84833$94TWO RIVERS
99775$2,83734$83FAIRBANKS
99693$2,83435$80WHITTIER
99732$2,82936$75CHICKEN
99738$2,82936$75EAGLE
99764$2,82936$75NORTHWAY
99776$2,82936$75TANACROSS
99780$2,82936$75TOK
99705$2,82741$73NORTH POLE
99731$2,82442$70FORT GREELY
99737$2,82442$70DELTA JUNCTION
99744$2,81644$62ANDERSON
99702$2,81345$59EIELSON AFB
99743$2,81246$57HEALY
99682$2,81047$56TYONEK
99709$2,80848$54FAIRBANKS
99723$2,80848$54BARROW
99586$2,80850$53GAKONA
99566$2,80351$49CHITINA
99573$2,80351$49COPPER CENTER
99588$2,80351$49GLENNALLEN
99623$2,80054$46#N/A
99755$2,79855$44DENALI NATIONAL PARK
99726$2,79656$42BETTLES FIELD
99740$2,79656$42FORT YUKON
99788$2,79656$42CHALKYITSIK
99733$2,79459$40CIRCLE
99777$2,79360$39TANANA
99729$2,79161$37CANTWELL
99760$2,78962$35NENANA
99759$2,78563$31POINT LAY
99758$2,78564$31MINTO
99569$2,78265$28CLARKS POINT
99559$2,78266$28BETHEL
99609$2,78266$28KASIGLUK
99680$2,78266$28TUNTUTULIAK
99690$2,78266$28NIGHTMUTE
99722$2,78270$28ARCTIC VILLAGE
99781$2,78270$28VENETIE
99641$2,78172$27NUNAPITCHUK
99679$2,78172$27TULUKSAK
99789$2,78074$26NUIQSUT
99765$2,77975$25NULATO
99580$2,77876$24EKWOK
99782$2,77777$23WAINWRIGHT
99552$2,77778$23AKIAK
99557$2,77778$23ANIAK
99575$2,77778$23CROOKED CREEK
99637$2,77778$23TOKSOOK BAY
99681$2,77778$23TUNUNAK
99757$2,77683$22LAKE MINCHUMINA
99660$2,77584$21SAINT PAUL ISLAND
99548$2,77585$20CHIGNIK LAKE
99549$2,77585$20PORT HEIDEN
99565$2,77585$20CHIGNIK LAGOON
99579$2,77585$20EGEGIK
99648$2,77585$20PERRYVILLE
99768$2,77390$19RUBY
99791$2,77390$19ATQASUK
99558$2,77392$19ANVIK
99745$2,77392$19HUGHES
99774$2,77392$19STEVENS VILLAGE
99683$2,77395$19TRAPPER CREEK
99555$2,77396$19ALEKNAGIK
99670$2,77397$19SOUTH NAKNEK
99583$2,77398$18FALSE PASS
99649$2,77399$18PILOT POINT
99546$2,772100$18ADAK
99628$2,772101$18MANOKOTAK
99636$2,772101$18NEW STUYAHOK
99590$2,771103$17GRAYLING
99665$2,771103$17SHAGELUK
99724$2,771103$17BEAVER
99746$2,771103$17HUSLIA
99576$2,771107$17DILLINGHAM
99678$2,771107$17TOGIAK
99704$2,771109$16CLEAR
99691$2,771110$16NIKOLAI
99547$2,770111$16ATKA
99720$2,770112$16ALLAKAKET
99571$2,770113$16COLD BAY
99747$2,769114$15KAKTOVIK
99553$2,768115$14AKUTAN
99638$2,768115$14NIKOLSKI
99561$2,768117$14CHEFORNAK
99578$2,768117$14EEK
99589$2,768117$14GOODNEWS BAY
99614$2,768117$14KIPNUK
99651$2,768117$14PLATINUM
99656$2,768117$14RED DEVIL
99748$2,768117$14KALTAG
99564$2,768124$14CHIGNIK
99756$2,768125$14MANLEY HOT SPRINGS
99613$2,768126$14KING SALMON
99602$2,768127$14HOLY CROSS
99767$2,768127$14RAMPART
99622$2,767129$13KWIGILLINGOK
99591$2,767130$13SAINT GEORGE ISLAND
99606$2,766131$12ILIAMNA
99625$2,766131$12LEVELOCK
99640$2,766131$12NONDALTON
99647$2,766131$12PEDRO BAY
99653$2,766131$12PORT ALSWORTH
99554$2,766136$12ALAKANUK
99563$2,766136$12CHEVAK
99581$2,766136$12EMMONAK
99585$2,766136$12MARSHALL
99657$2,766136$12RUSSIAN MISSION
99662$2,766136$12SCAMMON BAY
99750$2,766136$12KIVALINA
99751$2,766136$12KOBUK
99761$2,766136$12NOATAK
99766$2,766136$12POINT HOPE
99770$2,766136$12SELAWIK
99773$2,766136$12SHUNGNAK
99621$2,766148$11KWETHLUK
99630$2,766148$11MEKORYUK
99634$2,766148$11NAPAKIAK
99668$2,766148$11SLEETMUTE
99627$2,765152$11MC GRATH
99675$2,765152$11TAKOTNA
99620$2,764154$10KOTLIK
99632$2,764154$10MOUNTAIN VILLAGE
99666$2,764154$10NUNAM IQUA
99763$2,764154$10NOORVIK
99667$2,764158$10SKWENTNA
99658$2,763159$9SAINT MARYS
99626$2,763160$9LOWER KALSKAG
99650$2,763160$9PILOT STATION
99727$2,763160$9BUCKLAND
99736$2,763160$9DEERING
99721$2,762164$8ANAKTUVUK PASS
99749$2,762164$8KIANA
99786$2,762164$8AMBLER
99741$2,761167$7GALENA
99661$2,761168$7SAND POINT
99612$2,761169$6KING COVE
99604$2,760170$6HOOPER BAY
99752$2,758171$3KOTZEBUE
99551$2,757172$3AKIACHAK
99684$2,755173$1UNALAKLEET
99742$2,755173$1GAMBELL
99769$2,755173$1SAVOONGA
99772$2,755173$1SHISHMAREF
99659$2,755177$1SAINT MICHAEL
99671$2,755177$1STEBBINS
99607$2,754179$0KALSKAG
99655$2,754179$0QUINHAGAK
99754$2,753182-$1KOYUKUK
99771$2,753182-$1SHAKTOOLIK
99784$2,752184-$2WHITE MOUNTAIN
99778$2,752185-$3TELLER
99633$2,751186-$3NAKNEK
99739$2,750187-$4ELIM
99676$2,748188-$6TALKEETNA
99685$2,747189-$7UNALASKA
99753$2,747190-$7KOYUK
99762$2,747190-$7NOME
99783$2,747190-$7WALES
99785$2,747190-$7BREVIG MISSION
99730$2,747194-$7CENTRAL
99692$2,745195-$9DUTCH HARBOR
99603$2,738196-$16HOMER
99663$2,738196-$16SELDOVIA
99556$2,730198-$24ANCHOR POINT
99574$2,730199-$24CORDOVA
99677$2,730199-$24TATITLEK
99664$2,723201-$31SEWARD
99686$2,722202-$32VALDEZ
99568$2,715203-$39CLAM GULCH
99639$2,710204-$44NINILCHIK
99572$2,710205-$44COOPER LANDING
99610$2,710206-$44KASILOF
99605$2,707207-$48HOPE
99631$2,707207-$48MOOSE PASS
99545$2,699209-$55KONGIGANAK
99672$2,697210-$57STERLING
99611$2,691211-$63KENAI
99669$2,683212-$71SOLDOTNA
99550$2,530213-$224PORT LIONS
99608$2,530213-$224KARLUK
99615$2,530213-$224KODIAK
99624$2,530213-$224LARSEN BAY
99643$2,530213-$224OLD HARBOR
99644$2,530213-$224OUZINKIE
99926$2,491219-$263METLAKATLA
99925$2,490220-$264KLAWOCK
99921$2,485221-$269CRAIG
99689$2,473222-$281YAKUTAT
99903$2,473223-$281MEYERS CHUCK
99929$2,471224-$283WRANGELL
99923$2,468225-$286HYDER
99922$2,465226-$289HYDABURG
99919$2,457227-$297THORNE BAY
99927$2,456228-$298POINT BAKER
99901$2,438229-$316KETCHIKAN
99918$2,438229-$316COFFMAN COVE
99928$2,438229-$316WARD COVE
99801$2,391232-$363JUNEAU
99811$2,391232-$363JUNEAU
99821$2,391232-$363AUKE BAY
99835$2,372235-$382SITKA
99836$2,372235-$382PORT ALEXANDER
99825$2,371237-$384ELFIN COVE
99840$2,371238-$384SKAGWAY
99827$2,358239-$396HAINES
99826$2,356240-$398GUSTAVUS
99824$2,351241-$403DOUGLAS
99833$2,351242-$403PETERSBURG
99830$2,348243-$406KAKE
99832$2,348243-$406PELICAN
99841$2,348243-$406TENAKEE SPRINGS
99829$2,348246-$406HOONAH
99820$2,336247-$418ANGOON

Compare RatesStart Now →

Where are the most expensive/ least expensive cities by premiums rates in Alaska?

We have also collected data for the most expensive and cheapest cities in Alaska by premium rates.

Here’s a list of the 25 cities with the highest premium rates in Alaska.

Most Expensive Zip Codes in Alaska

Insurance CompanyZipcodeCommute and Monthly MileageMonthly Average Premium (2025)City
Allstate: Most Expensive Zip Codes in Alaska9956725 miles commute, 1,000 monthly mileage$330.40CHUGIAK
Allstate: Most Expensive Zip Codes in Alaska9957725 miles commute, 1,000 monthly mileage$330.40EAGLE RIVER
Allstate: Most Expensive Zip Codes in Alaska9956710 miles commute, 500 monthly mileage$317.09CHUGIAK
Allstate: Most Expensive Zip Codes in Alaska9957710 miles commute, 500 monthly mileage$317.09EAGLE RIVER
Progressive: Most Expensive Zip Codes in Alaska9950410 miles commute, 500 monthly mileage$316.18ANCHORAGE
Progressive: Most Expensive Zip Codes in Alaska9950425 miles commute, 1,000 monthly mileage$316.18ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9964525 miles commute, 1,000 monthly mileage$310.26PALMER
Allstate: Most Expensive Zip Codes in Alaska9965225 miles commute, 1,000 monthly mileage$310.26BIG LAKE
Allstate: Most Expensive Zip Codes in Alaska9965425 miles commute, 1,000 monthly mileage$310.26WASILLA
Allstate: Most Expensive Zip Codes in Alaska9967425 miles commute, 1,000 monthly mileage$310.26SUTTON
Progressive: Most Expensive Zip Codes in Alaska9950810 miles commute, 500 monthly mileage$303.01ANCHORAGE
Progressive: Most Expensive Zip Codes in Alaska9950825 miles commute, 1,000 monthly mileage$303.01ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9950125 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9950225 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9950325 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9950425 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9950525 miles commute, 1,000 monthly mileage$301.54JBER
Allstate: Most Expensive Zip Codes in Alaska9950625 miles commute, 1,000 monthly mileage$301.54JBER
Allstate: Most Expensive Zip Codes in Alaska9950725 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9950825 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9951325 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9951525 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9951625 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9951725 miles commute, 1,000 monthly mileage$301.54ANCHORAGE
Allstate: Most Expensive Zip Codes in Alaska9951825 miles commute, 1,000 monthly mileage$301.54ANCHORAGE

Compare RatesStart Now →

Alaska’s biggest city, Anchorage, makes it to this list quite a few times.

Now, let’s look at the list of cities with the lowest premium rates in Alaska.

Least Expensive Cities in Alaska by Premium Rates

CompanyZipcodeCommute and Annual MileageAverage Annual PremiumCity
USAA: Least Expensive Cities in Alaska by Premium Rates9990110 miles commute. 6000 annual mileage.$1,895Ketchikan
USAA: Least Expensive Cities in Alaska by Premium Rates9990310 miles commute. 6000 annual mileage.$1,895Meyers Chuck
USAA: Least Expensive Cities in Alaska by Premium Rates9991810 miles commute. 6000 annual mileage.$1,895Coffman Cove
USAA: Least Expensive Cities in Alaska by Premium Rates9991910 miles commute. 6000 annual mileage.$1,895Thorne Bay
USAA: Least Expensive Cities in Alaska by Premium Rates9992110 miles commute. 6000 annual mileage.$1,895Craig
USAA: Least Expensive Cities in Alaska by Premium Rates9992210 miles commute. 6000 annual mileage.$1,895Hydaburg
USAA: Least Expensive Cities in Alaska by Premium Rates9992310 miles commute. 6000 annual mileage.$1,895Hyder
USAA: Least Expensive Cities in Alaska by Premium Rates9992510 miles commute. 6000 annual mileage.$1,895Klawock
USAA: Least Expensive Cities in Alaska by Premium Rates9992610 miles commute. 6000 annual mileage.$1,895Metlakatla
USAA: Least Expensive Cities in Alaska by Premium Rates9992710 miles commute. 6000 annual mileage.$1,895Point Baker
USAA: Least Expensive Cities in Alaska by Premium Rates9992810 miles commute. 6000 annual mileage.$1,895Ward Cove
USAA: Least Expensive Cities in Alaska by Premium Rates9990125 miles commute. 12000 annual mileage.$1,965Ketchikan
USAA: Least Expensive Cities in Alaska by Premium Rates9990325 miles commute. 12000 annual mileage.$1,965Meyers Chuck
USAA: Least Expensive Cities in Alaska by Premium Rates9991825 miles commute. 12000 annual mileage.$1,965Coffman Cove
USAA: Least Expensive Cities in Alaska by Premium Rates9991925 miles commute. 12000 annual mileage.$1,965Thorne Bay
USAA: Least Expensive Cities in Alaska by Premium Rates9992125 miles commute. 12000 annual mileage.$1,965Craig
USAA: Least Expensive Cities in Alaska by Premium Rates9992225 miles commute. 12000 annual mileage.$1,965Hydaburg
USAA: Least Expensive Cities in Alaska by Premium Rates9992325 miles commute. 12000 annual mileage.$1,965Hyder
USAA: Least Expensive Cities in Alaska by Premium Rates9992525 miles commute. 12000 annual mileage.$1,965Klawock
USAA: Least Expensive Cities in Alaska by Premium Rates9992625 miles commute. 12000 annual mileage.$1,965Metlakatla
USAA: Least Expensive Cities in Alaska by Premium Rates9992725 miles commute. 12000 annual mileage.$1,965Point Baker
USAA: Least Expensive Cities in Alaska by Premium Rates9992825 miles commute. 12000 annual mileage.$1,965Ward Cove
USAA: Least Expensive Cities in Alaska by Premium Rates9968910 miles commute. 6000 annual mileage.$2,033Yakutat
USAA: Least Expensive Cities in Alaska by Premium Rates9980110 miles commute. 6000 annual mileage.$2,033Juneau
USAA: Least Expensive Cities in Alaska by Premium Rates9981110 miles commute. 6000 annual mileage.$2,033Juneau

Compare RatesStart Now →

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Which are the best auto insurance companies in Alaska?

When we say the best car insurance companies in Alaska, we mean the ones that you can rely on to pay your claims when you actually need them. They might not have the cheapest rates, but you should choose an insurer based on their financial ratings, customer reviews, complaints data, etc.

An insurance policy might be an unwanted purchase for you, but you must carefully assess and thoroughly research your insurer before committing to a policy.

When you’re stuck on a highway with a mechanical breakdown, your insurer should attend to your need without any delay. And, you can ensure that by looking at the customer satisfaction data of insurance companies.

In the next few sections, we would look at factors that would help you decide your insurance company in Alaska.

Financial Ratings of Leading Insurance Companies in Alaska

Your insurance company collects premiums from you, makes a collective pool, and then disburses money for claims from that pool among those who need it.

Long-term financial viability of your insurer should be a major factor in your buying decision. Any new entrant in the market without extensive knowledge about the management of premiums and disbursements wouldn’t be able to settle your claims in the long-run.

Similarly, old players in the market might not always have the assets to manage a large payout in the event of a catastrophe in your location.

Financial ratings can tell you the long-term viability of an insurer. We have collated the A.M. Best ratings for the leading insurers in Alaska.

A.M. Best ratings assess the financial viability of a business in the long-run after a thorough analysis of its assets and debt-paying ability in the future. Any rating of A+, A, and B+ means good financial standing in the market.

Financial Ratings of Leading Insurance Companies in Alaska

CompanyA.M. Best
State Farm: Imported from Manual InputB
Allstate: Imported from Manual InputA+
Progressive: Imported from Manual InputA+
Liberty Mutual: Customer Complaints of Leading Insurers in AlaskaA
USAA: Imported from Manual InputA++
Geico: Imported from Manual InputA++
Country Financial:Customer Complaints of Leading Insurers in AlaskaA+

Compare RatesStart Now →

Insurance Companies with Best Customer Ratings in Alaska

Existing customers of insurance companies can be a reliable source to talk about the quality of services provided by an insurer.

Once you have shortlisted the companies for your car insurance policy, you must conduct web research for the customer ratings of these insurers.

Customer ratings can offer you insights such as, the overall satisfaction level, other similar insurers in your location, reasons people bought a policy from a specific insurer, their intent to renew with the same insurer, etc.

These granular pieces of information can provide you the information you need to make a final decision on the insurance company you go with.

Who is the cheapest car insurance company in AK? Review the average auto insurance rates by company below:

Customer Complaints Data of Leading Insurers in Alaska

Customer Complaints of Leading Insurers in Alaska

CompanyTotal Complaints (2024)
Allstate: Customer Complaints of Leading Insurers in Alaska163
Country Financial:Customer Complaints of Leading Insurers in Alaska15
Geico: Customer Complaints of Leading Insurers in Alaska333
Liberty Mutual: Customer Complaints of Leading Insurers in Alaska222
Progressive: Customer Complaints of Leading Insurers in Alaska120
State Farm: Customer Complaints of Leading Insurers in Alaska1482
The Hartford: Customer Complaints of Leading Insurers in Alaska9
USAA: Customer Complaints of Leading Insurers in Alaska296

Compare RatesStart Now →
Another data point that you can look at before buying a policy is the number of complaints against an insurance company. If everything else looks good on paper, the complaint data can give you an idea about the satisfaction levels among customers.

In the table above, State Farm Group has the highest number of customer complaints, however, it also has the largest market share in Alaska. Rather than looking at the absolute number of complaints, you should look at the proportion of complaints to an insurer’s market share.

You also have the option to cancel your car insurance policy mid-term if you aren’t satisfied with the services of your insurer.

What are Alaska’s premiums rates by insurance providers?

Imported from Manual Input

CompanyAverage Annual PremiumsCompared to State Average (+/-)Percentage Change (+/-)
Allstate: Imported from Manual Input$3,145$39112%
Geico: Imported from Manual Input$2,880$1264%
Progressive: Imported from Manual Input$3,063$30910%
State Farm: Imported from Manual Input$2,228-$526-24%
USAA: Imported from Manual Input$2,454-$300-12%

Compare RatesStart Now →

What are Alaska’s premium rates by coverage level?

Alaska Premium Rates by Provider & Coverage Level

CompanyCoverage LevelAnnual Average Premiums
Liberty Mutual: Alaska Premium Rates by Provider & Coverage LevelHigh$5,558
Liberty Mutual: Alaska Premium Rates by Provider & Coverage LevelMedium$5,267
Liberty Mutual: Alaska Premium Rates by Provider & Coverage LevelLow$5,051
Progressive: Alaska Premium Rates by Provider & Coverage LevelHigh$4,463
Progressive: Alaska Premium Rates by Provider & Coverage LevelMedium$4,039
Progressive: Alaska Premium Rates by Provider & Coverage LevelLow$3,722
Farmers: Alaska Premium Rates by Provider & Coverage LevelHigh$4,460
Farmers: Alaska Premium Rates by Provider & Coverage LevelMedium$4,123
Farmers: Alaska Premium Rates by Provider & Coverage LevelLow$3,947
State Farm: Alaska Premium Rates by Provider & Coverage LevelHigh$4,325
State Farm: Alaska Premium Rates by Provider & Coverage LevelMedium$4,089
State Farm: Alaska Premium Rates by Provider & Coverage LevelLow$3,896
Travelers: Alaska Premium Rates by Provider & Coverage LevelHigh$3,804
Travelers: Alaska Premium Rates by Provider & Coverage LevelMedium$3,770
Travelers: Alaska Premium Rates by Provider & Coverage LevelLow$3,515
Allstate: Alaska Premium Rates by Provider & Coverage LevelHigh$3,386
Allstate: Alaska Premium Rates by Provider & Coverage LevelMedium$3,244
Allstate: Alaska Premium Rates by Provider & Coverage LevelLow$3,164
Geico: Alaska Premium Rates by Provider & Coverage LevelHigh$3,065
Geico: Alaska Premium Rates by Provider & Coverage LevelMedium$2,848
Geico: Alaska Premium Rates by Provider & Coverage LevelLow$2,692
Nationwide: Alaska Premium Rates by Provider & Coverage LevelHigh$2,693
Nationwide: Alaska Premium Rates by Provider & Coverage LevelMedium$2,633
Nationwide: Alaska Premium Rates by Provider & Coverage LevelLow$2,644
USAA: Alaska Premium Rates by Provider & Coverage LevelHigh$2,294
USAA: Alaska Premium Rates by Provider & Coverage LevelMedium$2,198
USAA: Alaska Premium Rates by Provider & Coverage LevelLow$2,146

Compare RatesStart Now →

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are Alaska’s premium rates by credit history?

Alaska Premium Rates by Provider & Credit History

CompanyCredit HistoryAnnual Average Premiums
Allstate: Alaska Premium Rates by Provider & Credit HistoryPoor$3,718
Allstate: Alaska Premium Rates by Provider & Credit HistoryFair$2,961
Allstate: Alaska Premium Rates by Provider & Credit HistoryGood$2,757
Progressive: Alaska Premium Rates by Provider & Credit HistoryPoor$3,344
Progressive: Alaska Premium Rates by Provider & Credit HistoryFair$2,992
Progressive: Alaska Premium Rates by Provider & Credit HistoryGood$2,852
USAA: Alaska Premium Rates by Provider & Credit HistoryPoor$3,342
USAA: Alaska Premium Rates by Provider & Credit HistoryFair$2,189
USAA: Alaska Premium Rates by Provider & Credit HistoryGood$1,832
Geico: Alaska Premium Rates by Provider & Credit HistoryPoor$3,273
Geico: Alaska Premium Rates by Provider & Credit HistoryFair$2,845
Geico: Alaska Premium Rates by Provider & Credit HistoryGood$2,522
State: Alaska Premium Rates by Provider & Credit HistoryPoor$3,083
State: Alaska Premium Rates by Provider & Credit HistoryFair$1,993
State: Alaska Premium Rates by Provider & Credit HistoryGood$1,609

Compare RatesStart Now →

If you have a poor credit history, insurance companies would penalize you with higher premiums as you can see in the table.

As per the State of Credit survey in 2017 by Experian, the average vantage score of Alaskans was 668 while the national average was 675.

Vantage score, developed by Equifax, Experian, and, TransUnion, is a credit-rating model for consumers that scores them in the range of 300-850.

While the vantage score in Alaska is close to the national average, Alaskans have the highest average balance on their credit cards in the US.

What are Alaska’s premium rates by driving record?

Alaska Premium Rates by Provider & Driving Record

CompanyDriving RecordAnnual Average Premiums
Geico: Alaska Premium Rates by Provider & Driving RecordWith One DUI$4,320
Geico: Alaska Premium Rates by Provider & Driving RecordWith One accident$3,044
Geico: Alaska Premium Rates by Provider & Driving RecordWith One speeding violation$2,096
Geico: Alaska Premium Rates by Provider & Driving RecordClean record$2,059
Allstate: Alaska Premium Rates by Provider & Driving RecordWith One DUI$3,542
Allstate: Alaska Premium Rates by Provider & Driving RecordWith One accident$3,541
Allstate: Alaska Premium Rates by Provider & Driving RecordWith One speeding violation$2,988
Allstate: Alaska Premium Rates by Provider & Driving RecordClean record$2,511
Progressive: Alaska Premium Rates by Provider & Driving RecordWith One DUI$2,911
Progressive: Alaska Premium Rates by Provider & Driving RecordWith One accident$3,513
Progressive: Alaska Premium Rates by Provider & Driving RecordWith One speeding violation$3,087
Progressive: Alaska Premium Rates by Provider & Driving RecordClean record$2,741
USAA: Alaska Premium Rates by Provider & Driving RecordWith One DUI$3,232
USAA: Alaska Premium Rates by Provider & Driving RecordWith One accident$2,474
USAA: Alaska Premium Rates by Provider & Driving RecordWith One speeding violation$2,183
USAA: Alaska Premium Rates by Provider & Driving RecordClean record$1,928
State Farm: Alaska Premium Rates by Provider & Driving RecordWith One DUI$2,228
State Farm: Alaska Premium Rates by Provider & Driving RecordWith One accident$2,425
State Farm: Alaska Premium Rates by Provider & Driving RecordWith One speeding violation$2,228
State Farm: Alaska Premium Rates by Provider & Driving RecordClean record$2,031

Compare RatesStart Now →

In other states, a driving record with driving under the influence of alcohol increases your premiums significantly. However, most of the insurers in Alaska charge higher premiums from those with a record of an accident in their driving history.

What are the leading insurance companies in Alaska?

As we have learned a lot about insurance companies and their premium rates in Alaska, let’s look at the leading players in the auto insurance market of Alaska and their overall share.

These six insurance companies capture the major share of the market in Alaska, with the largest chunk being held by the State Farm Group.

Leading Car Insurance Companies in Alaska

CompanyRankDirect Written PremiumsLoss RatioMarket Share
State Farm: Leading Car Insurance Companies in Alaska#1$133,81678%29%
USAA: Leading Car Insurance Companies in Alaska#2$83,68769%18%
Geico: Leading Car Insurance Companies in Alaska#3$82,63768%18%
Allstate: Leading Car Insurance Companies in Alaska#4$59,50746%13%
Progressive: Leading Car Insurance Companies in Alaska#5$50,92268%11%
Liberty Mutual: Leading Car Insurance Companies in Alaska#6$16,33764%3%
Country Financial: Leading Car Insurance Companies in Alaska#7$14,04265%3%
The Hartford: Leading Car Insurance Companies in Alaska#8$10,33266%2%

Compare RatesStart Now →

Number of Insurance Companies in Alaska

Total Insurance Companies in Alaska

Type of InsurerNumber of Insurance
Domestic4
Foreign397

Compare RatesStart Now →

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are the state laws in Alaska?

Knowing about the laws of your state with respect to car insurance and driving helps you to keep your insurance rates low.

There are many laws and to-do’s inside the pages of your DMV website, driver’s handbook, and car insurance documentation. You aren’t required to remember everything on the go, but it’s always recommended to know the basics.

Specifically, laws related to insurance for high-risk drivers, restrictions on cellphone usage, teen driving, penalties for driving without insurance, etc. are some of the laws that can save you a lot of hassle later on.

Car insurance laws are in effect mainly for two reasons:

  • To protect everyone on the roads through mandatory liability coverage that pays for third-party damages in the event of an accident
  • To make sure that insurance companies adhere to the laid-down principles for determining premium rates and offer coverage to everyone, barring few exceptions

Behind the premium rates that you are charged, insurance companies utilize the combined experience of underwriters and actuaries to design a rating model.

The rating model of insurers uses many factors to determine your premiums, such as your car’ make and model, age, marital status, physical address, driving history, vehicle usage, etc.

When there are these many factors and calculations involved, there has to be a regulatory body for consumer protection. The Division of Insurance in Alaska oversees the operations of insurers and drafts laws.
Take a look at these 6 major factors affecting auto insurance rates in Alaska.

Now, let’s look at some laws that might impact you while driving.

Windshield Coverage Laws in Alaska

Any cracks or chips on windshields can lead to personal injuries if not taken care of immediately. Though most of the states have specific laws for repair of windshields, Alaska doesn’t talk about windshield repair or replacement.

However, before buying car insurance, make sure that your insurance policy has windshield coverage in order to avoid any unnecessary expenses in the future.

High-Risk Insurance in Alaska

What happens if you’re a high-risk driver in the sense that you tend to be involved in accidents and speeding violations quite frequently?

You would end up making regular claims for damages leading to an unusually high loss ratio for your insurer. At times, insurers might have to make more payments for claims than they receive in premiums.

Hence, insurers have the right to refuse coverage in case they deem a motorist as a high-risk driver.

You can look at this short video to understand – what kind of motorists are considered high-risk.

How can you buy coverage if you’re a high-risk driver then?

To be fair to everyone, Alaska offers coverage to high-risk drivers under the Alaska Automobile Insurance Plan.

The Alaska Automobile Insurance Plan works like an association where every insurer (with a license to operate in Alaska) has to participate and offer coverage to a specific percentage of motorists directly proportional to its market share.

How does the Alaska Automobile Insurance Plan work?

Once an eligible motorist applies for coverage under the plan, he/she is assigned an insurer from the pool with whom the motorist would get a guaranteed coverage for a period of three years.

If State Farm’ market share is 28 percent in Alaska, they would have to offer coverage to 28 percent of the high-risk drivers in the pool. Through this plan, the risk is shared amongst all the insurers in the state.

Though you would get coverage under this plan, the premiums tend to be quite high.

Automobile Insurance Fraud in Alaska

Fraudulent claims by customers cost over $80 billion annually to the insurance industry overall, as per estimates by the Coalition Against Insurance Fraud.

Auto insurance fraud is considered to be one of the most expensive white-collar crimes in the US which increased auto claims payments by $5.6 billion-$7.7 billion in the year 2012.

Payment towards fraudulent auto claims accounted for 13-17 percent of overall payments made for auto crashes.

What comes under the definition of auto insurance fraud?

Any attempt to conceal information or provide incorrect information to your insurer with an intention to benefit by way of wrongful claims settlement is known as insurance fraud.

Fraudulent claims can arise from:

  • Providing false information in your application to get a better rate
  • Inflating your damages in an accident to get a higher settlement
  • Staging auto accidents to obtain an insurance payout
  • Staging car theft or damage by fire to claim the car’s original value

Since auto insurance fraud is rampant everywhere, there are strict laws and penalties to combat the occurrences. Do remember that your insurer might also wrongly deny your request for a claim in which case you can file a complaint with the Division of Insurance.

Penalty for Insurance Fraud

Car Insurance Fraud Penalty in Alaska

FraudPenaltyType of Crime
False information on an application$2,000 fine or jail time of up to 90 days or bothClass B Misdemeanor
Fraudulent acts under the amount of $500,000$10,000 fine or jail time of up to 365 days or bothClass A Misdemeanor
Fraudulent acts over the amount of $500,000$50,000 fine or jail time of up to 5 years or bothClass C Felony

Compare RatesStart Now →

Statute of Limitations in Alaska

After an accident, you have a time limit to file a lawsuit against the at-fault party.

Statutes of Limitations in Alaska by Injury

Type of InjuryTime Limit
Personal Injury2 years
Property Damage6 years

Compare RatesStart Now →

What are the vehicle licensing laws in Alaska?

Now that we have looked at the state-level laws and their impact, let’s look at laws that help us be up-to-date with our license and insurance documentation.

In the next few sections, we would cover questions like – when can teenagers apply for a driving license? what are the penalties for driving without car insurance? how long is your license valid?

Penalties for Driving without Car Insurance in Alaska

State laws in Alaska require motorists to carry the minimum liability coverage insurance at all times while their vehicle is registered (with exceptions in certain remote areas).

Anyone driving without car insurance in Alaska can be penalized with a fine of up to $500 along with the possibility of driver’s license suspension for up to a year. If an uninusred motorist is involved in an accident, the driver’s license can be suspended for up to three years.

Teen Driving Laws in Alaska

In the eyes of the law, teenagers are considered high-risk drivers because of their inexperience in driving and limited knowledge of the laws in their state.

That’s why it’s important for teens to be very careful on the road while driving and follow the law under every circumstance. This also helps in keeping premium rates low for teens.

We hope that you would follow the advice shared in the video above for getting better premium rates. Now, let’s look at the licensing laws for teens in Alaska.

Instruction Permit

The minimum age to apply for an instruction permit is 14. The teenager must be accompanied at all times by a licensed driver who’s at least 21 and has a driving experience of at least one year. The instruction permit has a validity of two years.

Provisional License

At the age of 16, teens are eligible to apply for a provisional license provided they have completed the mandatory holding period of six months for the instruction permit and maintained a clean driving record.

In addition, you have to show proof that you have completed 40 hours of driving which included 10 hours of nighttime driving.

Restrictions on a provisional license: You aren’t allowed to drive with passengers under the age of 21, exceptions being siblings, and may not drive during the night hours of 1 a.m to 5 a.m.

Unrestricted License

Teens are allowed to apply for an unrestricted license when they turn 18 provided they have followed the restrictions and maintained a clean record. You may visit your local DMV office to apply for your driving license.

License Renewal Procedure in Alaska

Everyone in Alaska is required to renew their driver’s license every five years irrespective of age. Renewals by mail and online renewals are permitted for those under 69, while the older population has to renew their license in person.

What are the rules of the road in Alaska?

When was the last time you checked the car seat laws, speed limits on highways, move over laws, and ridesharing laws in Alaska? Once we start driving, we lose touch with these laws and follow what others are doing on the road.

We will look at some of these laws in the next section so that you can be safer on the road. Also, if you’re a new resident of Alaska, you must know about these rules.

Fault vs No-Fault

Alaska follows the tort system or the at-fault system for car insurance which means the at-fault party in an accident is responsible for paying the damages. The mandatory liability coverage in Alaska helps at-fault parties to claim damages from their insurer.

Seat Belt Laws in Alaska

The car seat laws in Alaska require all riders of a car to wear a seat belt irrespective of their seat in the car.

Car Seat Laws in Alaska

Car seat laws for children are applicable to all kids younger than four. There are certain seat requirements for children depending on their age and weight in Alaska.

Car Seat Laws in Alaska

AgeLaw
Up to 1 yearChildren must be secured in a rear-facing car seat.
1 to 4 yearsChildren should be properly restrained in an appropriate child restraint system.
4 to 8 yearsChildren must use a booster seat unless they are taller than 4'9" or weigh more than 65 pounds.
8 years and olderChildren must use a seat belt.

Compare RatesStart Now →

Keep Right and Move Over Laws in Alaska

If you’re driving under the speed limit, you aren’t allowed to drive in the left lane as per the state laws.

If you happen to notice a stationary emergency vehicle (including animal control vehicles) with flashing lights, you are required to either slow down or vacate the lane next to the stationary vehicle if it’s safe to do so.

Speed Limits in Alaska

The maximum posted limits on the highways and freeways of Alaska is 65 mph. While driving, motorists must follow the posted limits on different types of roads and take special care when the weather conditions are severe.

Speed Limits in Alaska

Type of RoadSpeed Limit
Interstate and rural highways65 mph
Other roads unspecified in the rules55 mph
Residential roads25 mph
Business districts20 mph
School or playground roads20 mph
Alleys 15 mph

Compare RatesStart Now →

Ridesharing Laws in Alaska

In June 2017, the Governor of Alaska signed an act, HB 132, to regulate the operation of transportation network companies (TNC) such as Uber and Lyft. Also known as the Let’s Ride Alaska Act, the new law established a uniform code for TNC’ across the state.

Requirements to work as a driver:

  • No criminal record
  • Clean driving record in the past
  • 21 years or older
  • Need to include information like name, age, address, motor vehicle registration, insurance, and driving license number in the application

The ridesharing laws don’t allow anyone to drive if they have been convicted in the past or listed on the sex offenders website.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are the safety laws in Alaska?

We would now look at the safety laws in Alaska, regulations that make it safer for everyone to drive on the roads.

In this section, we will understand the penalties for distracted driving or driving under the influence of alcohol/other substances.

DUI Laws in Alaska

Driving under the influence of alcohol is not only dangerous for you as it can lead to fatal crashes but impact other motorists and pedestrians as well.

In the year 2014, Alaska witnessed 29 alcohol-imparied driving fatalities, which includes those who weren’t even driving in those crashes.

What is the minimum blood alcohol content (BAC) for a DUI offense in Alaska?

If you’re under the age of 21, there’s a zero-tolerance policy under the DUI laws – that means you aren’t allowed to drive after drinking under any circumstance.

If you’re above 21, the BAC limit for DUI is 0.08 percent. For commercial drivers, the BAC limit is 0.04 percent.

What are the penalties for DUI in Alaska?

  • First Offense: Motorists are fined a minimum of $1,500 and face jail time of at least three days for the first DUI offense. In addition, their license is also suspended for a minimum period of 90 days.
  • Second Offense: If a motorist is found guilty again within a period of 15 days from the first offense, he/she would be charged a minimum fine of $3,000 and face prison time of at least 20 days. The driver’s license would be revoked for at least a year.
  • Third Offense: A third DUI offense, within 15 years, would cost motorists a fine of at least $4,000 and a minimum of 60 days in prison. The driver’s license would be revoked for at least three years.
  • Fourth Offense: On the fourth DUI offense, motorists would be fined at least $5,000 with prison time of a minimum 120 days. The driver’s license would be revoked for at least five years.
  • Fifth Offense: After the fifth offense, motorists face prison time of at least 240 days and a fine of $6,000. The driver’s license would be revoked for at least five years.

Motorists who have been convicted more than five times for DUI would face minimum jail time of 360 days and a fine of $7,000.

Distracted Driving Laws in Alaska

Alaska’s laws for distracted driving are relaxed as compared to cellphone usage laws in other states.

The state only prohibits motorists from texting while driving and there isn’t a cellphone usage ban otherwise. However, the penalties for texting while driving can be steep, especially if you hit or injure someone.

How bad is vehicle theft in Alaska?

After all the information in the previous sections, you are now well-versed about the state laws related to driving and car insurance in your state.

For instance, you should also know: Alaska is home to some of the most expensive tollways in the United States, so plan your driving here accordingly.

In the next few sections, we would present facts about your state such as car theft stats, fatality rates, teen drunk driving numbers, and EMS response time.

Vehicle Theft in Alaska

RankMake & ModelYear of VehicleThefts
#1Ford Pickup2020162
#2Chevrolet Pickup2018141
#3GMC Sierra2019127
#4Toyota Tacoma2021115
#5Honda Civic201594
#6Dodge Ram Pickup202288
#7Jeep Cherokee/Grand Cherokee201776
#8Ford Explorer201664
#9Subaru Outback202357
#10Chevrolet Silverado 202049

Compare RatesStart Now →

Pickup trucks are the most popular vehicle for theft in Alaska.

Motor Vehicle Theft by City in Alaska

CityMotor Vehicle Theft
Anchorage920
Bethel48
Bristol Bay Borough7
Cordova3
Craig2
Dillingham14
Fairbanks110
Haines3
Homer12
Juneau40
Kenai20
Ketchikan7
Kodiak21
Kotzebue35
Nome8
North Pole7
North Slope Borough17
Palmer6
Petersburg4
Seward6
Sitka14
Skagway1
Soldotna9
Unalaska6
Valdez5
Wasilla47
Wrangell2

Compare RatesStart Now →

How many road fatalities occur in Alaska?

Do you know the fatality rates by weather conditions in your state? Or the reason for most fatal crashes?

Knowing about the fatality rates and reasons behind crashes helps you to be more careful on the road.

Fatal Crashes by Weather Conditions

Fatal Crashes by Weather Conditions in Alaska

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal3113224070
Rain5205113
Snow/Sleet4160011
Other000022
Unknown101013
Total3321244183

Compare RatesStart Now →

Traffic Fatalities by Road Type in Alaska

Car Crash Statistics in Alaska 2024

Year2015201620172018201920202021202220232024
Rural51393541403442345942
Urban19212729212032293135

Compare RatesStart Now →

Fatalities by Person Type in Alaska

Fatalities by Person Type in Alaska 2024

Type20202021202220232024
Passenger Car111981622
Light Truck - Pickup612141113
Light Truck - Utility11791811
Light Truck - Van36662
Large Truck21020
Bus10101
Other/Unknown Occupants57947
Total Occupants3744496151
Total Motorcyclists981147
Pedestrian614121214
Bicyclist and Other Cyclist13011
Other/Unknown Nonoccupants10203
Total Nonoccupants410121313
Total97131133148145

Compare RatesStart Now →

Fatalities by Crash Type in Alaska

Fatalities by Crash Type in Alaska 2024

Crash Type20202021202220232024
Total Fatalities (All Crashes)7877708189
Single Vehicle3833445751
Involving a Large Truck211891613
Involving Speeding2919293324
Involving a Rollover1822181921
Involving a Roadway Departure3937315144
Involving an Intersection (or Intersection Related)1113191611

Compare RatesStart Now →

Fatalities Trend for the Top 10 Counties in Alaska

Fatalities Trend for the Top 10 Counties in Alaska

Alaska Counties by Population Rank2020 Population2021 Population2022 Population2023 Population2024 Population
Anchorage Municipality290,761290,761290,761290,761290,761
Matanuska-Susitna Borough116,313116,313116,313116,313116,313
Fairbanks North Star Borough97,32797,32797,32797,32797,327
Kenai Peninsula Borough61,35061,35061,35061,35061,350
Juneau City and Borough31,43631,43631,43631,43631,436
Ketchikan Gateway Borough13,42013,42013,42013,42013,420
Kodiak Island Borough12,57012,57012,57012,57012,570
North Slope Borough10,58310,58310,58310,58310,583
Nome Census Area9,6519,6519,6519,6519,651
Sitka City and Borough8,0638,0638,0638,0638,063
Bethel Census Area18,22418,22418,22418,22418,224
Northwest Arctic Borough7,3687,3687,3687,3687,368
Southeast Fairbanks Census Area7,0787,0787,0787,0787,078
Chugach Census Area6,7696,7696,7696,7696,769
Prince of Wales-Hyder Census Area5,7405,7405,7405,7405,740
Aleutians West Census Area5,1605,1605,1605,1605,160
Yukon-Koyukuk Census Area5,0545,0545,0545,0545,054
Dillingham Census Area4,6074,6074,6074,6074,607
Aleutians East Borough3,4613,4613,4613,4613,461
Petersburg Borough3,3793,3793,3793,3793,379
Copper River Census Area2,6602,6602,6602,6602,660
Hoonah-Angoon Census Area2,2482,2482,2482,2482,248
Haines Borough2,5372,5372,5372,5372,537
Wrangell City and Borough2,0302,0302,0302,0302,030
Denali Borough1,6131,6131,6131,6131,613
Lake and Peninsula Borough1,5871,5871,5871,5871,587
Skagway Municipality1,1231,1231,1231,1231,123
Bristol Bay Borough877877877877877
Yakutat City and Borough604604604604604

Compare RatesStart Now →

Teen Drinking and Driving

There were 31 arrests for DUI in the year 2016. Traffic fatalities rate for alcohol-impaired driving per 100,000 population was 1.4 in Alaska which was higher than the national average of 1.2.

EMS Response Time in Alaska

EMS Response Time in Alaska

Road TypeCrash to EMSEMS to ArrivalArrival to HospitalCrash to Hospital
Rural6 Minutes12 Minutes35 Minutes47 Minutes
Urban4 Minutes6 Minutes22 Minutes29 Minutes

Compare RatesStart Now →

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What is transportation like?

Traffic congestions, commute time to work, and car ownership numbers do impact your everyday life while you’re driving.

Car Ownership in Alaska

Bar Chart of Car Ownership in Alaska

The maximum number of households in Alaska own two cars in line with the national average as per the chart above by Data USA.

Commute Time in Alaska

Bar Chart of Commute Time in Alaska

The employees in Alaska have a shorter commute to work of 17 minutes versus the national average of 25.3 minutes.

Commuter Transportation in Alaska

Bar Chart of Commuter Transportation in Alaska

Most of the people (about 69 percent) in Alaska prefer to drive alone to work, followed by around 12 percent who carpool to their office.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

You can now start comparison shopping today using our FREE online tool. Enter your zip code below to get started!

Resources

https://www.iii.org/article/how-much-auto-coverage-do-i-need http://doa.alaska.gov/dmv/faq/manins.htm http://www.legis.state.ak.us/basis/statutes.asp#28.22.101 https://www.investopedia.com/terms/d/disposableincome.asp http://www.calculatorpro.com/calculator/insurance-cost-calculator/ https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists https://www.experian.com/blogs/ask-experian/consumer-credit-review/ https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/ http://doa.alaska.gov/dmv/ http://doa.alaska.gov/dmv/dlmanual/dlman.pdf https://www.insurancejournal.com/news/national/2012/06/18/251957.htm https://www.commerce.alaska.gov/web/ins/Consumers/Auto/HowYourPremiumisDetermined.aspx https://www.commerce.alaska.gov/web/ins/Home/AboutUs.aspx https://www.commerce.alaska.gov/web/ins/Consumers/Auto.aspx http://www.insurancefraud.org/statistics.htm https://www.iii.org/article/background-on-insurance-fraud https://www.commerce.alaska.gov/web/ins/Consumers/FileaConsumerComplaint.aspx https://www.findlaw.com/state/alaska-law/alaska-insurance-fraud-laws.html http://doa.alaska.gov/dmv/akol/permit.htm http://doa.alaska.gov/dmv/akol/teenlaw.htm http://doa.alaska.gov/dmv/akol/original.htm http://doa.alaska.gov/dmv/office/ https://www.iihs.org/iihs/topics/laws/olderdrivers?topicName=older-drivers https://legiscan.com/AK/bill/HB132/2017 https://www.commerce.alaska.gov/web/cbpl/BusinessLicensing/TransportationNetworkDrivers.aspx http://doa.alaska.gov/dmv/akol/uili.htm https://www.edgarsnyder.com/drunk-driving/driving-alcohol-laws/alaska.html https://www.yourmechanic.com/article/cell-phones-and-texting-distracted-driving-laws-in-alaska https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf https://datausa.io/profile/geo/alaska/#category_transportation

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Alaska
Monthly Alaska Car Insurance Rates by ZIP Code
Alaska Car Insurance Rates by Company vs. State Average
Alaska Car Insurers by Market Share %
Factors Affecting Car Insurance Rates in Alaska