Alaska Auto Insurance Quotes

Alaska auto insurance Alaska is unique in the United States – drivers must carry a minimum of liability insurance, as long as you live in a part of the state that also required you to register your vehicle. That means, for more than 300 communities in rural Alaska, carrying auto insurance is not legally required for most drivers. 

For the rest of the state, Alaska requires anyone owning a vehicle to carry liability insurance. Minimum coverage amounts are:

  • $50,000 for bodily injury or death of any one person
  • $100,000 for bodily injury or death from any accident
  • $25,000 for property damage

You may lose your driver's license if this insurance isn't in effect. Before reinstatement, you must show proof of financial responsibility, and you'll have to pay fees. Alaska statute 28.22.019 requires that a copy of your policy or your insurance identification card be carried with you when you're driving a motor vehicle, and proof of insurance if you're in an accident where damages or injury result in more than a certain dollar amount, which was $501 as of 2013.

Auto Insurance Rates for Alaska

It's important to shop around for insurance. Companies compete for your business, so getting the best policy at the best rate takes some homework. Ask about discounts. There are several, such as multi-policy, good student, and multi-car discounts that save you money in Alaska. Each company will offer a discount of a certain percentage for these factors, so base your decisions on which apply to you and which companies offer the largest discounts.

Sample of Annual Alaska Auto Insurance Rates

Yakutat

Yakutat has a population of about 700 year-round residents, and the economy is primarily centered around fishing. The city is in the southeastern part of Alaska and is situated along the Gulf of Alaska. Yakutat is home to many Native Americans and was the site of a Russian fort in the 1700s.

Lost River Road links the city to the Situk River to the south. Ocean Cape Road leads to Kardy Lake to the west. Forest Highway No. 10 leads east to the Middle Situk Trailhead.

City Single Married
Low High Low High
Yakutat $622.00 $2,389.00 $566.00 $2,222.00

Sitka Auto Insurance

Sitka is south of Juneau and Glacier Bay National Park. The historic home of the Tlingit tribe, the area saw an influx of Russian migrants in the early 19th century. Sitka was the location of the signing of the Alaska Purchase in 1867.

Sawmill Creek Road leads to the Alaska Raptor Center. The O'Connell Bridge takes drivers to Japonski Island. Halibut Point Road leads to the Starrigavan Recreational Area to the north.

City Single Married
Low High Low High
Sitka $622.00 $1,883.00 $566.00 $1,751.00

Juneau Auto Insurance

Juneau is the capital of Alaska and the main port for many cruise ships coming to the state. Most people access Juneau via ship or airplane as there is limited land access to the city. Between October and March, the city sometimes experiences what are known as the Taku winds, which can blow up to 100 miles per hour.

Thane Road leads south to the city of Thane. North Douglas Highway crosses over to Douglas Island to the west. State Highway 7 leads north to Jordan Creek.

City Single Married
Low High Low High
Juneau $622.00 $1,883.00 $566.00 $1,751.00

Anchorage Auto Insurance

Anchorage is the largest city in Alaska and is the center of the state's oil, finance and communication industries. The city is home to a number of important military bases, including Joint Base Elmendorf-Richardson. About 45 percent of the state's population lives in Anchorage.

State highway 1 leads to Eagle River to the north. State Highway 1 goes to Portage to the south. Seward Highway goes to Chugach State Park to the south.

City Single Married
Low High Low High
Anchorage $735.00 $2,618.00 $665.00 $2,269.00

Valdez

Located at the end of the trans-Alaska oil pipeline, Valdez is an important part of the petrochemical industry. Residents also work in the tourism and fishing industries. The city was almost destroyed by an earthquake in 1964.

State Highway 4 goes east to Copper Center. A ferry line connects travelers with Anchorage to the west. Richardson Highway leads to Bridal Vail Falls to the south.

City Single Married
Low High Low High
Valdez $783.00 $2,389.00 $710.00 $2,222.00

Unalaska

Unalaska is situated on an island in the Bering Sea and is part of the Aleutian Chain. Native peoples are believed to have settled in the area 9,000 years ago, with Russian fur traders arriving more recently. The city is on the Port of Dutch Harbor, which is a main transportation hub in the island chain.

The Alaska Marine Highway system provides service to the city from Homer. Alaska Airlines transports travelers and residents to the city from Anchorage. Airport Beach Road connects Unalaska with Unalaska Island.

City Single Married
Low High Low High
Unalaska $797.00 $2,389.00 $723.00 $2,222.00

Adak

Adak is in the Aleutian Chain, between Atka Island and Tanaga Island. The island was once home to a military base. Adak is the westernmost city in the United States and fishing dominates the local economy.

Finger Bay Road leads to the southern portion of Adak Island. Hillside Boulevard leads to the northern portion of Adak Island. Most residents and visitors access the city at the state-owned airport that is served by Alaska Airlines.

City Single Married
Low High Low High
Adak $797.00 $2,389.00 $723.00 $2,222.00

City Single Married
Low High Low High
Adak $797.00 $2,389.00 $723.00 $2,222.00
Akiachak $797.00 $2,389.00 $723.00 $2,222.00
Akiak $797.00 $2,389.00 $723.00 $2,222.00
Akutan $797.00 $2,389.00 $723.00 $2,222.00
Alakanuk $797.00 $2,389.00 $723.00 $2,222.00
Aleknagik $797.00 $2,389.00 $723.00 $2,222.00
Allakaket $797.00 $2,389.00 $723.00 $2,222.00
Ambler $797.00 $2,389.00 $723.00 $2,222.00
Anaktuvuk Pass $797.00 $2,389.00 $723.00 $2,222.00
Anchor Point $783.00 $2,389.00 $710.00 $2,222.00
Anchorage $735.00 $2,618.00 $665.00 $2,269.00
Anderson $789.00 $2,389.00 $717.00 $2,222.00
Angoon $622.00 $1,883.00 $566.00 $1,751.00
Aniak $797.00 $2,389.00 $723.00 $2,222.00
Anvik $797.00 $2,389.00 $723.00 $2,222.00
Arctic Village $797.00 $2,389.00 $723.00 $2,222.00
Atka $797.00 $2,389.00 $723.00 $2,222.00
Barrow $797.00 $2,389.00 $723.00 $2,222.00
Beaver $797.00 $2,389.00 $723.00 $2,222.00
Bethel $797.00 $2,389.00 $723.00 $2,222.00
Bettles Field $797.00 $2,389.00 $723.00 $2,222.00
Brevig Mission $797.00 $2,389.00 $723.00 $2,222.00
Buckland $797.00 $2,389.00 $723.00 $2,222.00
Cantwell $797.00 $2,389.00 $723.00 $2,222.00
Central $797.00 $2,389.00 $723.00 $2,222.00
Chefornak $797.00 $2,389.00 $723.00 $2,222.00
Chevak $797.00 $2,389.00 $723.00 $2,222.00
Chugiak $735.00 $2,423.00 $665.00 $2,249.00
Circle $797.00 $2,389.00 $723.00 $2,222.00
Clam Gulch $783.00 $2,423.00 $710.00 $2,249.00
Clarks Point $797.00 $2,389.00 $723.00 $2,222.00
Clear $789.00 $2,389.00 $717.00 $2,222.00
Cold Bay $797.00 $2,389.00 $723.00 $2,222.00
Cooper Landing $783.00 $2,389.00 $710.00 $2,222.00
Copper Center $783.00 $2,389.00 $710.00 $2,222.00
Cordova $783.00 $2,389.00 $710.00 $2,222.00
Craig $649.00 $2,389.00 $590.00 $2,222.00
Crooked Creek $797.00 $2,389.00 $723.00 $2,222.00
Deering $797.00 $2,389.00 $723.00 $2,222.00
Delta Junction $789.00 $2,389.00 $717.00 $2,222.00
Denali National Park $789.00 $2,389.00 $717.00 $2,222.00
Dillingham $797.00 $2,389.00 $723.00 $2,222.00
Douglas $622.00 $1,883.00 $566.00 $1,751.00
Dutch Harbor $797.00 $2,389.00 $723.00 $2,222.00
Eagle River $735.00 $2,423.00 $665.00 $2,249.00
Eek $797.00 $2,389.00 $723.00 $2,222.00
Eielson Afb $849.00 $2,470.00 $772.00 $2,296.00
Ekwok $797.00 $2,389.00 $723.00 $2,222.00
Elfin Cove $622.00 $1,883.00 $566.00 $1,751.00
Elim $797.00 $2,389.00 $723.00 $2,222.00
Emmonak $797.00 $2,389.00 $723.00 $2,222.00
Fairbanks $849.00 $2,470.00 $772.00 $2,296.00
False Pass $797.00 $2,389.00 $723.00 $2,222.00
Fort Wainwright $849.00 $2,470.00 $772.00 $2,296.00
Fort Yukon $797.00 $2,389.00 $723.00 $2,222.00
Gakona $783.00 $2,389.00 $710.00 $2,222.00
Galena $797.00 $2,389.00 $723.00 $2,222.00
Girdwood $735.00 $2,389.00 $665.00 $2,222.00
Glennallen $783.00 $2,389.00 $710.00 $2,222.00
Goodnews Bay $797.00 $2,389.00 $723.00 $2,222.00
Gustavus $622.00 $1,883.00 $566.00 $1,751.00
Haines $622.00 $1,883.00 $566.00 $1,751.00
Healy $789.00 $2,389.00 $717.00 $2,222.00
Holy Cross $797.00 $2,389.00 $723.00 $2,222.00
Homer $783.00 $2,389.00 $710.00 $2,222.00
Hoonah $622.00 $1,883.00 $566.00 $1,751.00
Hooper Bay $797.00 $2,389.00 $723.00 $2,222.00
Hope $783.00 $2,389.00 $710.00 $2,222.00
Hughes $797.00 $2,389.00 $723.00 $2,222.00
Huslia $797.00 $2,389.00 $723.00 $2,222.00
Hydaburg $649.00 $2,389.00 $590.00 $2,222.00
Hyder $649.00 $2,389.00 $590.00 $2,222.00
Iliamna $797.00 $2,389.00 $723.00 $2,222.00
Indian $735.00 $2,423.00 $665.00 $2,249.00
Jber $735.00 $2,423.00 $665.00 $2,249.00
Juneau $622.00 $1,883.00 $566.00 $1,751.00
Kalskag $797.00 $2,389.00 $723.00 $2,222.00
Kaltag $797.00 $2,389.00 $723.00 $2,222.00
Kasilof $783.00 $2,389.00 $710.00 $2,222.00
Kenai $783.00 $2,389.00 $710.00 $2,222.00
Ketchikan $649.00 $2,389.00 $590.00 $2,222.00
Kiana $797.00 $2,389.00 $723.00 $2,222.00
King Cove $797.00 $2,389.00 $723.00 $2,222.00
King Salmon $797.00 $2,389.00 $723.00 $2,222.00
Kipnuk $797.00 $2,389.00 $723.00 $2,222.00
Kivalina $797.00 $2,389.00 $723.00 $2,222.00
Klawock $649.00 $2,389.00 $590.00 $2,222.00
Kobuk $797.00 $2,389.00 $723.00 $2,222.00
Kodiak $695.00 $2,389.00 $633.00 $2,222.00
Kotlik $797.00 $2,389.00 $723.00 $2,222.00
Kotzebue $797.00 $2,389.00 $723.00 $2,222.00
Koyuk $797.00 $2,389.00 $723.00 $2,222.00
Kwethluk $797.00 $2,389.00 $723.00 $2,222.00
Kwigillingok $797.00 $2,389.00 $723.00 $2,222.00
Lake Minchumina $797.00 $2,389.00 $723.00 $2,222.00
Levelock $797.00 $2,389.00 $723.00 $2,222.00
Lower Kalskag $797.00 $2,389.00 $723.00 $2,222.00
Manley Hot Springs $797.00 $2,389.00 $723.00 $2,222.00
Manokotak $797.00 $2,389.00 $723.00 $2,222.00
Marshall $797.00 $2,389.00 $723.00 $2,222.00
Mc Grath $797.00 $2,389.00 $723.00 $2,222.00
Mekoryuk $797.00 $2,389.00 $723.00 $2,222.00
Metlakatla $649.00 $2,389.00 $590.00 $2,222.00
Meyers Chuck $649.00 $2,389.00 $590.00 $2,222.00
Minto $797.00 $2,389.00 $723.00 $2,222.00
Moose Pass $783.00 $2,389.00 $710.00 $2,222.00
Mountain Village $797.00 $2,389.00 $723.00 $2,222.00
Naknek $797.00 $2,389.00 $723.00 $2,222.00
Napakiak $797.00 $2,389.00 $723.00 $2,222.00
Nenana $789.00 $2,389.00 $717.00 $2,222.00
New Stuyahok $797.00 $2,389.00 $723.00 $2,222.00
Nikolski $797.00 $2,389.00 $723.00 $2,222.00
Ninilchik $783.00 $2,389.00 $710.00 $2,222.00
Noatak $797.00 $2,389.00 $723.00 $2,222.00
Nome $797.00 $2,389.00 $723.00 $2,222.00
Nondalton $797.00 $2,389.00 $723.00 $2,222.00
Noorvik $797.00 $2,389.00 $723.00 $2,222.00
North Pole $849.00 $2,470.00 $772.00 $2,296.00
Nuiqsut $797.00 $2,389.00 $723.00 $2,222.00
Nulato $797.00 $2,389.00 $723.00 $2,222.00
Palmer $760.00 $2,423.00 $688.00 $2,249.00
Petersburg $622.00 $1,883.00 $566.00 $1,751.00
Pilot Station $797.00 $2,389.00 $723.00 $2,222.00
Platinum $797.00 $2,389.00 $723.00 $2,222.00
Point Baker $649.00 $2,389.00 $590.00 $2,222.00
Point Hope $797.00 $2,389.00 $723.00 $2,222.00
Point Lay $797.00 $2,389.00 $723.00 $2,222.00
Port Alexander $622.00 $1,883.00 $566.00 $1,751.00
Port Alsworth $797.00 $2,389.00 $723.00 $2,222.00
Quinhagak $797.00 $2,389.00 $723.00 $2,222.00
Rampart $797.00 $2,389.00 $723.00 $2,222.00
Red Devil $797.00 $2,389.00 $723.00 $2,222.00
Ruby $797.00 $2,389.00 $723.00 $2,222.00
Russian Mission $797.00 $2,389.00 $723.00 $2,222.00
Saint Marys $797.00 $2,389.00 $723.00 $2,222.00
Saint Michael $797.00 $2,389.00 $723.00 $2,222.00
Saint Paul Island $797.00 $2,389.00 $723.00 $2,222.00
Salcha $849.00 $2,470.00 $772.00 $2,296.00
Sand Point $797.00 $2,389.00 $723.00 $2,222.00
Savoonga $797.00 $2,389.00 $723.00 $2,222.00
Scammon Bay $797.00 $2,389.00 $723.00 $2,222.00
Selawik $797.00 $2,389.00 $723.00 $2,222.00
Seward $783.00 $2,389.00 $710.00 $2,222.00
Shageluk $797.00 $2,389.00 $723.00 $2,222.00
Shaktoolik $797.00 $2,389.00 $723.00 $2,222.00
Shishmaref $797.00 $2,389.00 $723.00 $2,222.00
Shungnak $797.00 $2,389.00 $723.00 $2,222.00
Sitka $622.00 $1,883.00 $566.00 $1,751.00
Skagway $622.00 $1,883.00 $566.00 $1,751.00
Skwentna $783.00 $2,389.00 $710.00 $2,222.00
Sleetmute $797.00 $2,389.00 $723.00 $2,222.00
Soldotna $783.00 $2,389.00 $710.00 $2,222.00
South Naknek $797.00 $2,389.00 $723.00 $2,222.00
Stebbins $797.00 $2,389.00 $723.00 $2,222.00
Sterling $783.00 $2,389.00 $710.00 $2,222.00
Stevens Village $797.00 $2,389.00 $723.00 $2,222.00
Talkeetna $783.00 $2,389.00 $710.00 $2,222.00
Tanana $797.00 $2,389.00 $723.00 $2,222.00
Thorne Bay $649.00 $2,389.00 $590.00 $2,222.00
Tok $789.00 $2,389.00 $717.00 $2,222.00
Trapper Creek $783.00 $2,389.00 $710.00 $2,222.00
Tununak $797.00 $2,389.00 $723.00 $2,222.00
Tyonek $783.00 $2,389.00 $710.00 $2,222.00
Unalakleet $797.00 $2,389.00 $723.00 $2,222.00
Unalaska $797.00 $2,389.00 $723.00 $2,222.00
Valdez $783.00 $2,389.00 $710.00 $2,222.00
Venetie $797.00 $2,389.00 $723.00 $2,222.00
Wainwright $797.00 $2,389.00 $723.00 $2,222.00
Wales $797.00 $2,389.00 $723.00 $2,222.00
Wasilla $760.00 $2,423.00 $688.00 $2,249.00
White Mountain $797.00 $2,389.00 $723.00 $2,222.00
Willow $783.00 $2,389.00 $710.00 $2,222.00
Wrangell $622.00 $2,389.00 $566.00 $2,222.00
Yakutat $622.00 $2,389.00 $566.00 $2,222.00

Finding Auto Insurance Resources in Alaska

Alaska residents have many resources available to help when shopping for auto insurance. The Division of Insurance is a great place to start. You'll find a consumer guide that may help in finding a good insurance company and what to do in the event your insurance company goes out of business. You'll also find a guide that explains the required coverage and optional types of coverage, like uninsured motorists and collision.

If you're not able to get auto insurance, Alaska has a resource that can help you. The Alaska Insurance Plan is an association of insurers that provide coverage to people who can't get insurance on the open market.

Things to Know About Auto Insurance in Alaska

Alaska law requires insurance companies to offer a written quote for uninsured motorists coverage. Insurance companies must provide you with a variety of coverage options. The insurance company is required to insure you for this coverage if you don't officially reject it.

As an Alaska resident, you can exclude a driver in your household. If a driver in your household is a greater risk than others, your insurance company may ask to exclude him or her.

Insurance companies may use your credit information. They use this information to set rates and determine who they insure. However, changes to the laws in the state have set guidelines about the type of information used and how it is considered by insurance companies. This protects the consumer to some extent, as insurance companies can no longer flat out deny you coverage based on a poor credit score.

If you don't purchase insurance, you  must have the means to cover damages or injury to the other person in the event of an accident. You can post a bond or self-insure, however, the DMV must authorize self-insurance.

Important Information About Moving to Alaska

If you move to Alaska, you have 30 days to get a driver’s license. To get a license, you must pass a written knowledge test, an alcohol and drug awareness test, and a vision test. You must also show proof of your legal name and your current address.

You also have 10 days to register your vehicle, unless you have moved to one of the 300 rurual communities in the state that doesn’t require vehicle registration. , unless you

Understanding Driving Laws in Alaska

If you drive in Alaska, you must use a hands-free device to talk on the phone and cannot text while driving. Talking on the phone using a hand or texting while driving is illegal and can result in stiff penalties.

Alaska encourages drivers to report dangerous drivers. The state provides information on what to look for, and signs along the roadways remind drivers to call emergency services if they see anyone driving dangerously.

Frequently Asked Questions About Alaska Auto Insurance

1. What other types of coverage should you get?

The law requires only liability insurance, but you may consider other things like uninsured motorists coverage. In addition, if your car is new or you took out a loan, you should consider collision and comprehensive, which cover the cost to repair or replace your car.

2. If you only have the minimum coverage and your car suffers damage in an accident, what happens?

Liability coverage only covers the other person in the event of injury or death when the other person's property is damaged. To cover your own vehicle, you'll need collision or comprehensive insurance, or both.

3. What if you're in an accident and the other driver doesn't have coverage?

If you have uninsured motorists coverage, you will be covered up to your limits. If not, you are responsible for repairing or replacing your vehicle.

4. Can I carry electronic proof of insurance?

Yes. Alaska is among a majority of states that allow electronic proof of auto insurance at traffic stops. You simply have to have your insurance provider’s app downloaded onto your smartphone.

How to Get Great Rates on Alaska Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

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