Living in the Last Frontier has its own set of challenges, but auto insurance shouldn’t be one of them. Whether you call Alaska your home or you’re looking to move there, you can find affordable car insurance that meets your needs.
We’ll dive into all things car insurance unique to Alaska, including cost, coverage types, insurance providers and more.
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Although Alaska may not technically border the U.S., it still has comparable car insurance options to the rest of the country. The main types of auto insurance coverage include:
These are some of the main options for cheap car insurance in Alaska, but you can also add optional coverage to customize your policy. Some popular add-ons include:
Each insurance provider may offer additional options to customize your policy, so be sure to review your options and choose what’s right for you.
When exploring your options for cheap car insurance in Alaska, keep in mind that the more coverage you have, the better.
It might help to know the coverage you legally need to have in place before hitting the road in Alaska. Like most states, you need to have auto insurance in Alaska and you need a small amount of minimum coverage in a couple of key categories. This is to protect you and other drivers on the road.
These include:
Without proof of this required coverage, you could have your driver’s license suspended for 90 days to a year, you’ll be required to pay a fine, and your vehicle could be impounded.
However, not all areas of Alaska require these minimums, because they also don’t require vehicle registration. These are remote areas rather than the main cities of Alaska. You can find a full list of these communities here.
The minimum required coverage is all that the state needs you to have, but it’s strongly recommended to purchase more coverage if you can. Otherwise, you could be responsible for paying any difference in coverage out of pocket, and those costs can quickly add up.
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It’s interesting to note that Alaska is one of a few states that tries to encourage car insurance coverage with a “No Pay, No Play” law. This means that if you’re involved in an accident and you don’t have car insurance, you’re limited in the amount of money you can receive—even if you’re not at fault. You may not be able to sue for damages for pain and suffering, so keep this in mind.
It might surprise you, but the cost of car insurance in Alaska hovers around the middle of the pack. The state doesn’t have the cheapest or the most expensive insurance nationally. Alaskans get a break on costs because of the low population density of the 49th state, but there is also a greater risk of animal and weather-related accidents (golf-ball-sized hail and vehicle hoods don’t pair well together!) than elsewhere in the U.S.
Fun fact: Alaska has the highest rate of moose-vehicle collisions in the world.
So, what’s the average cost of auto insurance in Alaska?
If you’re considering relocating to Alaska, it might help to know which cities are the most expensive for car insurance. While that may not sway your decision, the information can help you plan accordingly, so here it is:
Keep in mind, your quotes will depend on factors like your driving history, your age, your vehicle, and more. But there are always ways to find savings on car insurance rates. More on that next.
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Alaska may sometimes feel like a world of its own, but car insurance is pretty much the same as in any other state. And while Alaska car insurance quotes are neither the most expensive nor the cheapest in the state, you can still find plenty of savings to put some money back in your pocket.
Life in Alaska doesn’t stop just because you need car insurance. Get affordable coverage fast and get on with your life. We’ve got you covered.
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