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Best Affordable Auto Insurance in Alaska
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If you are looking for cheap auto insurance in Alaska, understanding state laws and regulations will be an important part in getting you the best rate possible. Alaska's Mandatory Insurance Statutes require that the owner of a registered vehicle must have a liability insurance policy for that auto. The specifics for coverage you will find below, and remember that your own rate will vary greatly depending on how much coverage you purchase. There is no way to avoid a policy as failure to have the proper insurance may result in a suspension of a driver's license. However certain areas in the state do not require registration and therefore don't require you to have car insurance either. The list of areas can be found on the Alaska Department of Motor Vehicles Website. A couple more guidelines to be aware of are that you need to carry a copy of your insurance policy in your vehicle at all times, and that drivers who have numerous violations require a stricter insurance policy. For those drivers with a history of poor driving practice, their vehicles must be insured even if they reside in the state mandated areas that don't require insurance. While there are even more factors that determine your premium, rest assured you don't have to do any research. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Alaska. To find specific tricks and tips for saving money, check out the best resources section. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Last Frontier.

Understanding Alaska's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Alaska one must understand what coverage they need. Alaska has simplified its auto insurance coverage by being a no-fault state; not requiring Personal Injury Protection (PIP) nor protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Alaska the minimums are 50/100/25. The numbers are in thousands of dollars.

Alaska Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 50/100/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $569
  • Average Collision Cost: $381
  • Average Comprehensive Cost: $155
  • Average Cost per Year in Alaska: $923
  • US Average Cost: $795
  • Expense Rank: 12/51

Best Alaska Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
N/R
N/A N/R
41%
N/R
N/A 53%
37%
55%
63%
N/A 42%
34%
N/R
35%
N/A 23%
42%
N/R
N/A N/R
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%