Alaska Car Insurance

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
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UPDATED: Jun 26, 2020

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In a nutshell...
  • Alaska is one of the smallest States in America, but there are still mandatory car insurance requirements
  • All of the major players in the car insurance industry service in Alaska, but there are also smaller, reputable companies as well
  • Always compare at least three to five different quotes before making a final decision

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

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Alaska is one of the smallest states in America with a population of just over 680,000 yet has some of the highest mandatory auto insurance requirements in the nation.

Car insurance laws in Alaska require all vehicles to have car insurance, and drivers must carry proof of insurance whenever operating a vehicle. Failure to do can result in substantial fines and penalties.

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Proof of insurance can be a form the car insurance ID card, a copy of the policy or a certificate of self-insured issued by the State.

Ready to compare car insurance quotes in your area? Enter your zip code above to get started for FREE!

What happens if I drive with no car insurance in Alaska?

Any driver involved in a car accident resulting in damages exceeding $501 who does not have auto insurance can face possible suspension of their driver’s license and a mandatory SR-22 form filing requirement to reinstate their license.

Driving without auto insurance is also subject to fines and penalties even without getting into an accident.

Car insurance is mandatory in Alaska, and current (2010) auto insurance requirements as set by Alaska Department of Insurance require all drivers to have at least the minimum levels of liability coverage.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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The levels of liability coverage are:

  • $50,000 of bodily injury liability insurance per accident per person
  • $100,000 physical injury liability insurance per accident (all persons)
  • $25,000 of property damage liability

Compared to other States Alaska has some of the highest minimum mandatory car insurance requirements nationwide.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in AK.

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While these levels of insurance coverage certainly meet the financial needs of many drivers regarding liability none of these types of insurance provide coverage for your vehicle.

Comprehensive, collision, GAP and uninsured motorist coverage are additional types of auto insurance coverage which should be considered by all drivers.

Gender and age will affect your auto insurance. Younger drivers are often in a higher risk class. See if the gender stereotype (males vs female car insurance rates) holds true in AK.

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Alaska Car Insurance Companies

Alaska is not as a competitive market for car insurance as California, New York or other more populated states. However, it still has a very competitive marketplace with almost 50 companies licensed to provide auto insurance coverage.

Six major factors affect car insurance rates in Alaska. Which auto insurance factors will affect rates the most? Find out below:

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Many well-known names like Geico, Allstate and State Farm all have a local presence, but they are still many smaller companies who can provide the same level of service at affordable rates.

If you want to find the best car insurance rates always compare at least a handful of auto insurance companies instead of just taking the first quote.

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

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Who are the largest auto insurance companies in Alaska?

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Want to start a car insurance comparison search for Alaska car insurance rates? Enter your zip code below and compare car insurance companies today!

References:
  1. https://www.thebalance.com/state-minimum-car-insurance-laws-in-alaska-526984
  2. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  3. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  4. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage

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