Alaska Car Insurance
Many people live in Alaska, but for people moving there, some day-to-day life knowledge is not at the forefront of their minds yet. Just like almost every other state, Alaska has requirements for automobile insurance to drive legally.
Alaska is known for its unique weather, tourism, beautiful glaciers and scenery, and more. Moving to the state can be quite an adventure, and experiencing the different lifestyle and cultures here can be life-changing.

Auto Insurance Requirements In Alaska
Being able to drive in the state of Alaska will make life a lot easier, especially in terms of getting to work and visiting friends and families. Carrying automobile insurance in the state of Alaska is mandatory, as stated by Alaska’s Mandatory Insurance Law. There are some areas of the state where registration is not required, and in these areas, the law that requires drivers to carry liability automobile insurance might not apply.
For all other areas, where the law for mandatory insurance in Alaska applies, drivers are mandated to carry minimum limits for liability automobile insurance. The largest cities in the state, Anchorage, Fairbanks, Juneau, Eagle River, and Badger, all require drivers to have a car insurance policy that is valid to drive legally. It is also possible to choose an alternate form of insurance that meets the requirements in Alaska.
Minimum requirements for driving in Alaska include bodily injury car insurance with minimum limits of $50,000 per person and $100,000 per accident. Additionally, property damage liability coverage with a minimum limit of $25,000 is also required.
Average Cost Of Coverage In Alaska
The average costs for automobile insurance plans in the state of Alaska are higher than the United States average. Some companies have a more substantial presence in the state than others, meaning that it is possible to find lower rates with some companies in specific areas. The average cost for car insurance plans in the state of Alaska is just under $800 per six months.
Cheapest Car Insurance Companies In Alaska
When it comes to comparison-shopping, drivers can save a lot of money on their vehicle insurance policies through comparison-shopping. It is always a huge benefit to know where to start looking, however. Some of the least expensive car insurance providers in the state of Alaska include USAA, Geico, 21st-century, and State Farm. These companies tend to have significantly lower rates on average for the state.
Keep in mind, however, that each person will get a different free auto insurance quote depending on where they live, their driving record, their age, and the type of vehicle they drive. Numerous other variables are also taken into consideration. Additionally, each auto insurance provider in the state of Alaska weighs the variables of risk differently. This is why it is incredibly essential to shop around.
Cheapest Car Insurance In Alaska By City
Some cities and places are less expensive to insure a vehicle in than others. Some of the cheapest auto insurance in Alaska can be found in cities like Juneau and Nome. Both cities, as well as Kenai, are lower than average by up to 17% in relation to the average in the state. There are a few cities that are pretty much rated the average, and some cities are more expensive as well.
Most Expensive Car Insurance In Alaska By City
On the more expensive end in terms of costs is the city of Anchorage. Larger cities tend to have higher rates, and Anchorage is not an exception to this statement. With car insurance rates that are 14% above the average, and in some cases more, Anchorage sees higher prices overall. Fortunately, there are numerous ways to save money on car insurance in the state.
Laws, Rules, And Penalties In Alaska
The biggest thing to take into consideration in terms of Alaska car insurance law is making sure that you have a valid car insurance policy that meets the minimum requirements for the state. The minimum requirements include bodily injury liability coverage in the amounts of $50,000 per person and $100,000 per accident. In addition to this, $25,000 per accident of property damage liability coverage is also required by law.
How to Save Money On Car Insurance in Alaska
There are numerous companies offering automobile insurance plans in the state of Alaska. Comparing these companies to one another is a fantastic way to save money on your insurance plan. Many discounts are also available for safe drivers, drivers with good grades, drivers who utilize reliable vehicles, and more. Each company that provides car insurance has different discounts, as well as different requirements that need to be met to get the discounts. Keep this in mind when comparing auto insurance plans and getting free quotes on this site.