Find affordable Alaska automobile insurance policy in minutes. Whether you live in Anchorage, Fairbanks, Juneau, College, Kenai, or Ketchikan, with so many companies offering car insurance in Alaska, how do you know what auto insurance is right for you? Find auto that is affordable protection and optional insurance policies available in Alaska.
Alaska Auto Insurance – Average Premiums
Alaska drivers don’t have much to be concerned about in terms of car insurance, considering that their state average monthly premium is just about $37. But rates will change by location. In populous city like Anchorage, prices are nearer to $51/mo. However in smaller cities, like Ketchikan, you are forking out less than $31 monthly for insurance.
CheapCarInsuranceinc.com provides approximate measures of the relative cost of Alaska vehicle insurance to drivers in each state. Alaska ranks 12 out of 50 states in terms of average expenditures for auto insurance. These are the averages, of course; your rates may differ. To get your personalized car insurance quote and instantly compare rates in your area, please enter your zip code into the search box on this page.
Important Alaska Auto Insurance Laws and Requirements
Alaska demands liability insurance, with minimal of $50,000 for injury liability, $100,000 for all personal injuries, and $25,000 in dwelling damage. The commonwealth of Alaska does not require UM/UIM coverage, also known as uninsured/underinsured motorist coverage. No-fault insurance coverage is not required in Alaska. Find low-cost Alaska car insurance online.
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 50,000/100,000 | 100,000/300,000 |
| Liability Property Damage | 30,000 | 60,000 |
| Bodily Injury - Motorist Uninsured | Not required | 50,000/0130,000 |
| Not required Coverage | Medical Payments Coverage | 5,000 |
| Collision Coverage | Not required Coverage | 700 Insurance deductible |
| Comprehensive Coverage | Not required Insurance | 300 deductible |
Choosing the Right Amount of Alaska Car Insurance Coverage
The majority states merely require you to purchase Liability coverage in order to drive legally, and Alaska is no exclusion. Nonetheless, Liability just covers you if the accident is your mistake. If an uninsured/underinsured driver crashes into you, if your car is taken, or if extreme weather destroys your car, your insurance won’t shield you from economic liability in these conditions.
Alaska DUI Laws
Found arrested for DUI in Alaska? A person can be confined for 72 hours, get your license terminated for 90 days, or receive a $1,600 fine. Also, Alaska calls for an SR-22 filing to restore a revoked or terminated driver license. And on top of anything, DUI prosecutions will make your monthly insurance rates go higher on.
Age Limit Laws
In Alaska, motorists as juvenile as 14 can employ for and accept a Learner Stage driving permit. It will take at minimum 6 months and at lowest 40 hours of monitored driving training (as effectively as 10 hours of managed night operating) prior they can receive to their Intermediate phase. Nevertheless, they can't apply for an intermediate license until they are at least 16 years of age. For the earliest six 30 day, Teenage motorists are not able be on the roadway around 1:00 and 5:00 AM, nor can they have a non-family individual under the age of 21 in the car with any of them. After this six-month litigation period is over, younger motorists in Alaska can accept a full license. Possibly this extra driving skills is one of the points why Alaska is one of just a few states where teenager drivers are not forking out plenty of dollars in insurance premiums each month.
Credit Score Laws and Regulations
Alaska is a single of 47 states in the union where it is legal for your automobile insurance business to change your monthly premium regarding to everything your credit rating is. In the majority states, this provides a extreme financial problem for drivers with a low consumer credit score. In Alaska, nevertheless, even having poor credit doesn’t really raise rates too immensely.
Insuring your Vehicle in Alaska
Exactly what happens if you use a friend’s car, and then get into an collision in their car? There’s a popular misconception that says “insurance uses the driver”, but in reality, the exact contrary is true. Insurance uses the car, even if you aren’t the one operating it at the time an accident happens. That’s how insurance businesses need to know things like the create and design of your car.
Additional Alaska Auto Insurance Laws and Requirements
Each state traffic regulations we have already pointed out will likely need a immense affect on your monthly premiums for vehicle insurance. Nevertheless, there are further traffic laws (outlined below) what are also important to recognize about. Must you break all of them, it could have a bad impact on your monthly rate as very well.
Highway Safety Laws
Since of 2016, you will find is no intense driving law within the state of Alaska. Nevertheless, there is no warranty that hazardous actions such as tailgating (following another car too closely, specifically at high velocities), unsafe lane change, or extreme speeding received’t turn into a ticketable offense in the forthcoming.
| Aggressive Driving | No state law |
| Cell Phones and Texting Laws | All-driver ban on texting (primary) |
| Inc. Penalty for High BAC | BAC 0.15 |
| Admin. License Susp. on 1st Offense | 90 days |
Speed Limits and Cell Phone Use
Among respect to cell phones, generally there is no ban on hand-held cell phone usage; this unique method that it is not illegal for you to speak on your cell phone while operating in Alaska. But there is an all-driver ban on texting while traveling, and it is a main level offense. This particular means that if a law enforcement official captures you texting and/or driving, they can pull you over and compose you a ticket for it. As well as if the officer traps you committing another driving violation at the same time, such as racing, it will combine the severity of your ticket.
| Rural Interstate | 65 mph |
| Urban Interstate | 55 mph |
| Other Limited-Access | 65 mph |
Important Alaska Contacts
Visit the Alaska Department of Administration - Division of Motor Vehicles for more information on getting your Alaska driver's license and vehicle registration.
How to contact directly:
Alaska Division of Insurance
Robert B. Atwood Building
550 W. 7th Ave., Suite 1560
Anchorage, Alaska 99501-3567
Phone: 1-907-269-7900
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