Find the Best Car Insurance Quotes and Options in Alaska
The average cost of car insurance in Alaska is $1,410 per year. That makes car insurance costs in Alaska higher than the national average of $1,311 per year. But everyone’s car insurance rates will be different, based on where they live and their personal characteristics.
It's important to purchase sufficient coverage so that if you have to file a car insurance claim, your policy will cover it. While this can increase your cost, it can make a huge difference when you need it most.
An independent insurance agent in Alaska can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Alaska.
Best Car Insurance Companies in Alaska
You can purchase car insurance in Alaska from numerous insurance companies. Where should you even start? We’ve done some of the hard work for you and selected some of the best car insurance companies in Alaska to help you get started.
Perhaps one of these top carriers will be the best for your needs.
- Best Alaska car insurance company overall: Progressive
- Best Alaska car insurance company for full coverage: Progressive
- Best Alaska car insurance company for young drivers: Progressive
- Best Alaska car insurance company for accident history: Progressive
An independent insurance agent in Alaska can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best Alaska Car Insurance Company Overall: Progressive
Our pick for the best overall car insurance company in Alaska overall is Progressive. The carrier ranks high for claims, user satisfaction, and financial stability. Progressive offers standard coverage for drivers in Alaska, as well as unique options like custom parts coverage.
Progressive Mutual Insurance Company was founded in 1937, when the company introduced the country’s first drive-in claims location. Progressive is based in Ohio, but offers car insurance across all 50 states, including Alaska. Alaska residents can look to Progressive for most of their personal insurance needs.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Alaska Car Insurance Company for Full Coverage: Progressive
The best car insurance company in Alaska for full coverage is Progressive. The insurance company offers full coverage policies with premiums of around $132 per month. Progressive receives high marks for financial stability, with an A+ (Superior) rating from AM Best. Progressive offers standard options like comprehensive and collision coverage, as well as unique options like coverage for pet injuries. The company also touts its Name Your Price Tool which helps you find the best coverage options for your budget.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Alaska Car Insurance Company for Young Drivers: Progressive
Drivers between ages 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, Progressive offers highly rated teen coverage in Alaska.
Car insurance for teen drivers in Alaska can cost around $345 per month with Progressive. The company also offers a good student discount so students with good grades can save on their car insurance.
|Average Monthly Insurance Cost: Families with Teen Drivers||Average Annual Insurance Cost: Families with Teen Drivers|
Best Alaska Car Insurance Company for Accident History: Progressive
Your driving record is one of the most important factors in what you pay for car insurance in Alaska. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
Alaska drivers may see their car insurance rates increase by around 41 percent after an at-fault accident. In these cases, Progressive remains one of the top picks for offering quality coverage. If you’ve had an at-fault accident, you can get a car insurance policy from Progressive for about $249 per month.
|Average Monthly Insurance Cost: Drivers with Poor Records||Average Annual Insurance Cost: Drivers with Poor Records|
Alaska Car Insurance Requirements
Drivers in Alaska must purchase a car insurance policy that meets the state's minimum coverage requirements. In Alaska, you must have the following coverage, at a minimum, in order to comply with state law and avoid penalties.
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damage, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Alaska, you must have this coverage in the amount of $50,000 per person and $100,000 per accident, at a minimum.
- Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another’s driver’s car) and for your legal defense if you are sued. In Alaska, you must have this coverage in the amount of at least $25,000 per accident.
Optional car insurance coverages in Alaska include:
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
- Medical payments coverage: Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in Alaska will help you find a car insurance policy that includes the coverage you need.
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Average Cost of Car Insurance in Alaska
The average cost of car insurance in Alaska is $1,410 per year, which is more than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in Alaska by taking advantage of car insurance discounts that you may be eligible for.
Average Alaska Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in Alaska. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
In Alaska, factors like your average commute time, the remoteness of your city, and the unique driving challenges (e.g., weather) that you face can have an impact on your car insurance rates.
Tanaina, a city with high average commute times, has the most costly car insurance in Alaska at an average of $1,665 per year. But residents of cities like Sitka and Ketchikan pay significantly less for car insurance, at around $1,107 and $1,199 per year, respectively.
Finding Car Insurance Discounts in Alaska
One of the best ways to save on car insurance in Alaska is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Alaska include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent insurance agent can help you find all of the car insurance discounts that you qualify for.
How to Find the Best Car Insurance Quote in Alaska
Finding the best car insurance quote in Alaska requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in Alaska can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in Alaska
Filing a car insurance claim in Alaska is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on the record and that all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident.
- Contact your independent insurance agent: Your Arizona independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent insurance agent in Alaska can help you through the claims process and answer your questions about how best to file your claim.