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What type of insurance do you need?
They understand your risks and will find you the coverage you need.
On average, Alaska drivers pay approximately $1,410 a year (or $118 a month) for their car insurance. This is higher than the national average cost of $1,311 a year. Shopping around for the best price has the potential to save you hundreds of dollars.
As a vehicle owner in Alaska, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at the most affordable price.
Car insurance in Alaska includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that a solid Alaska auto insurance may be able to help.
Alaska is an “at-fault” or “tort” state. This means that the driver who caused the accident is responsible for covering the cost of damage as well as any necessary medical treatment.
Driving without insurance is illegal in Alaska. There are, however, some exceptions. In areas where vehicle registration is not required, neither is insurance unless the vehicle owner has had at least 6 points assessed against their license in the last five years.
If you are caught driving a registered car without insurance, you can face the suspension of your driver’s license and have your car impounded. An estimated 15.4% of all drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatment. However, if an uninsured driver simply doesn’t have the money available, you may need to go through an expensive and time-consuming lawsuit just to collect a fraction of what is due to you.
That is why uninsured motorist insurance can prove so beneficial. This optional coverage can pay for your vehicle’s repairs and your medical expenses if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.
In Alaska, all car insurance companies must offer uninsured/underinsured motorist coverage. If you opt not to purchase it, you must do so in writing.
There is no such thing as a car insurance company that is the best choice for everyone.
The ideal insurance company for one person might not be the best choice for another. A young couple with few assets and no children is likely to have different coverage needs than a middle-aged couple who own a lot of property and have teen drivers in their household. This couple may find that they get the best value by working with different insurance companies.
That is why independent insurance agents compare coverage and prices from a variety of highly rated insurance companies. By comparing policies and prices, they can find the policy that is best for you.
Yes! There are currently 33 independent insurance agents in Alaska.
These local agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
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