Best Auto Insurance Rates in Alaska

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This pages is for anyone looking for new ways to save money on car insurance in the Last Frontier. The useful information that QuoteWizard has compiled from industry and regulatory sources will help you discover how to find the best deals and the cheapest rates.

This page will show you which types of coverage Alaskans are legally required to carry, provide information about the cost of driving in Alaska including average rates, and share some insights about insurance risk to help protect you and your family.

Average Alaska Car Insurance Rates

How much does car insurance cost in Alaska? Alaska drivers pay slightly more for car insurance than the national average. On average, auto insurance in Alaska costs $872.39 a year. The national average price is $889.01.

Prices may vary depending on your driving record, zip code and the total number of claims filed.

Alaska (AK) Average Annual Car Insurance Rates
Coverage Rates
Liability $539.68
Collision $350.81
Comprehensive $137.26
Total Cost Per Year $872.3
Price Per Month $72.70
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Alaska insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Alaska car insurance rates actually decreased from $873 in 2011 to $872 in 2015, a $1 dollar improvement, or 0.08 percent.

Alaska average car insurance rates

Having a reliable auto insurance provider is important nowadays. But how do you determine which insurer in Alaska is right for you?

One way is to compare auto insurance rates in Alaska from a number of different companies. Let us help you do that. We’ll get you all the info you need, and connect you to a handful of agents, so you can find a policy that you, your vehicle, and your wallet will love.

Alaska State Auto Insurance Laws

Minimum Car Insurance Requirements in Alaska

If you drive a vehicle registered in Alaska, you must maintain a minimum level of insurance coverage of 50/100/25 plus uninsured/underinsured coverage.

This means that your policy must have at least the following minimum coverages:

  • $50,000 of coverage for bodily injury liability per person
  • $100,000 of coverage for bodily injury liability per incident
  • $25,000 of coverage for property damage liability per incident

Remember you can purchase more inclusive plans that cover more, but if you want the bare minimum to keep you legal on the road, make sure your policy has the above protection plan. And, if you’ve financed your car through a lender, they’ll require that you purchase collision and comprehensive coverage to protect their investment.

Recommended Coverage Levels

Alaska has the number one auto theft rate in the nation. That risk increases auto insurance rates for everyone in the state.

To cover yourself against a major financial loss if your car was stolen, consider comprehensive coverage. A comprehensive plan helps protect you against auto theft or vandalism. It also helps in the event of a fire or natural disaster.

A comprehensive policy is but one of the options you have for better coverage. Minimum legal insurance only comes with liability. That pays for damages you cause to other drivers. But not your damages. 

Also, it’s a good idea to increase your liability levels. One severe accident can cost more than what minimum coverage offers, leaving you to pay the rest. We recommend:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Car Insurance

Any time you drive in Alaska, you must be prepared to show your proof of insurance card to law enforcement upon request. You’ll get this card from your auto insurance company when you buy a policy.

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SR-22 Requirements

Alaska residents that have had their driver’s license suspended due to DWI or Refusal convictions must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

If you’re required to show proof of filing an SR-22 to have your driver’s license reinstated, you must obtain a copy of the SR-22 binder dated within the last 30 days or an application for the binder that has been dated within the last 30 days.

Alaska State law requires that anyone convicted of a DWI or Refusal carry an SR-22 for 5 years from the ending date of a first conviction, 10 years from the ending date of a second offense, and 20 years from the ending date of a third offense.

An SR-22 must be carried for life after a fourth DWI or Refusal conviction (AS 28.20.230) or in the event of an Unsatisfied Judgment (AS 28.20.330).

State of Alaska Traffic Safety Laws

Distracted Driving Laws

Alaska has some of the strongest penalties for driving and texting. If you’re caught texting while operating a motor vehicle in the state of Alaska, you can be charged with a Class A misdemeanor that includes a fine of up to $10,000 and up to 1 year in prison. If you injure someone, you can be: charged with a Class C Felony, fined up to $50,000 and spend up to 5 years in prison. If you seriously injure someone, you may be: charged with a Class B Felony, fined up to $100,000 and spend up to 10 years in prison. If you kill someone while texting you'll be: charged with a Class A Felony, fined up to $250,000 and spend up to 20 years in prison.

Alaska has no laws restricting the use of cell phones to make or receive calls while driving.

Implied Consent Law

Alaska’s Implied Consent law requires that anyone operating a motor vehicle, aircraft, or watercraft submit to testing to determine the drug and alcohol content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving a motor vehicle while under the influence (DUI) of alcohol, inhalants, or other controlled substances.

If you refuse the test, you will face the following penalties on top of those for a DUI:

  • First Offense: 3 days in jail, mandatory ignition interlock device, fines up to $1,500
  • Second Offense: 20 days in jail, mandatory ignition interlock device, fines up to $3,000
  • Third Offense: 60 days in jail, mandatory ignition interlock device, fines up to $4,000

DUI Laws and Penalties

If you drive or operate a motor vehicle in the State of Alaska with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • A minimum of 72 hours in jail
  • A fine of $1,500
  • Minimum 90-day suspension of driver’s license
  • Installation of an ignition-interlock system in vehicle

The penalties for a second DUI conviction are more severe:

  • A minimum of 20 days in jail
  • A fine of $3,000
  • Minimum 1-year suspension of driver’s license
  • Installation of an ignition-interlock system in vehicle

After a third DUI conviction the penalties increase to:

  • Between 60 and 120 days in jail
  • A fine of between $4,000 and $10,000
  • Minimum 3-year suspension of driver’s license
  • Installation of an ignition-interlock system in vehicle

The penalties for a fourth DUI conviction are:

  • Between 90 and 120 days in jail
  • A fine of between $5,000 and $10,000
  • Minimum 5-year suspension of driver’s license
  • Installation of an ignition-interlock system in vehicle

The penalties for a fifth and subsequent DUI convictions are:

  • Between 240 and 360 days in jail
  • A fine of between $6,000 and $10,000
  • Minimum 5-year suspension of driver’s license
  • Installation of an ignition-interlock system in vehicle

In addition to the above penalties, you can be sure your car insurance rates will skyrocket if you can find someone willing to insure you.

Senior Drivers in Alaska

Alaska requires drivers 69 years of age and older to renew their license in-person. They can no longer renew by mail. Alaska also requires all drivers to renew their license every 5 years.

Vehicles Registered in Another State

When you drive a vehicle in Alaska that’s required to be registered in another state, you must have the type of insurance required by that state. You must also be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Alaska

Average Alaska Car Insurance Rates

The average cost of car insurance in Alaska in 2015, was $872.39 compared to a national average of $889.01. Alaska is the 17th most expensive state for car insurance.

Car Insurance Risk in Alaska

Traffic Fatalities

In 2014, there were 73 traffic fatalities in Alaska, a large 43% increase from the state’s 51 traffic fatalities in 2013.

  2010 2011 2012 2013 2014
Total Fatalities 56 72 59 51 73

Vehicle Thefts

Alaska had 1,739 vehicle thefts reported in 2014, a 3% increase compared to 2013 when 1,695 cars were stolen. In 2014, the vehicle theft rate was 236 per 100,000, an increase of 2.7% over the 2013 rate of 229 per 100,000.

The vehicle theft rate in Alaska is slightly higher than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Alaska for 2013

Some cars are more prone to theft than others, so be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2013

  1. 2003 Chevrolet Pick-Up (Full Size)
  2. 1997 Ford Pick-Up (Full Size)
  3. 1998 Honda Civic
  4. 1994 Honda Accord
  5. 1997 GMC Pick-Up (Full Size)
  6. 1996 Jeep Cherokee/Grand Cherokee
  7. 2012 Dodge Pick-Up (Full Size)
  8. 1998 Subaru Legacy
  9. 1993 Ford Explorer
  10. 1998 Chevrolet Pick-Up (Small Size)

Uninsured Motorists

The percentage of Alaska residents estimated to be driving without insurance is 13.2%. That ranks Alaska as #21 among US states and the District of Columbia, slightly worse than average.

Alaska Division of Insurance

Website:
Homepage
Division Director:
Lori Wing-Heier
Address:
Alaska DOI
P.O. Box 110805
Juneau, Alaska 99811-0805
Toll Free Hotline:
(800) 467-8725
File a Consumer Insurance Complaint:
Complaint Page

Sources:

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