Cheapest Auto Insurance in Alaska

Alaska is home to more than 100,000 glaciers, but don’t be left out in the cold without insurance. Here at A Plus we do the shopping for you!

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New A Plus Insurance Customers in Alaska Save on Average $594…that’s almost 435 candy bars!

CHEAPEST FULL COVERAGE AUTO INSURANCE IN ALASKA

The Alaskan flag has eight gold stars in the shape of the big dipper…so it’s no surprise that many drivers want an 8 star insurance policy with a monthly rate that dips low.

Having full coverage doesn’t mean your rate will be as high as Mount Mckinley, in fact you may be surprised that the premium is affordable.

Average Monthly Full Coverage Rates in Alaska

Car Insurance CompanyAverage Monthly Payment
Bristol West$133
Travelers$140
Nationwide$141
American Family$142
National General $142

BEST SR-22 INSURANCE IN ALASKA

An SR-22 is a certificate of financial responsibility required  for drivers that have serious violations on their records. It is not a type of insurance, but it is required all the same.

Some insurance companies don’t take high risk drivers, but we can work with you to find a carrier will and a rate that you can afford.

Average Monthly Rates With an SR-22

Car Insurance CompanyAverage Monthly Payment
Dairyland$93
Mendota$93
Progressive$101
The General$108
Assurance America$109

CHEAPEST AUTO INSURANCE WITH BAD OR POOR CREDIT IN ALASKA

So many factors contribute to your premium and one of them is your credit score. Insurance in Alaska or any state is all about whether the driver is an insurable risk.

That is why it is so important to shop around, here at A Plus Insurance our Agents will do the shopping with you.

Average Monthly Rates With Poor or Bad Credit

Car Insurance CompanyAverage Monthly Payment
Nationwide$150
Bristol West$153
The General$157
21st Century$160
Assurance America$163

BEST LIABILITY ONLY CAR INSURANCE IN ALASKA

Liability Only insurance in Alaska is the most basic form of insurance you can have on a vehicle. When looking for the most basic, go with the state minimum.

For Alaska that means having:

Bodily injury liability: $50,000 per person and $100,000 per accident. Property damage liability: $25,000. 

Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident.

Average Monthly Rates Liability Only

Car Insurance CompanyAverage Monthly Payment
Dairyland$84
Bristol West$92
AssuranceAmerica$100
GEICO$102
Acceptance RTR$106

LEAST EXPENSIVE INSURANCE FOR FEMALE DRIVERS IN ALASKA

Are you tackling the Alaska roads like the talented Lisa Kelly?!

This could impact your insurance rate.

Gender is one of the factors that decide how much a driver’s premium is, and usually it ends up positive for a female driver! Go ladies!

For certain states the male pays more while in other states the female does, what about Alaska? Statistics are still inconclusive, but the fact remains: Shop Around!

Average Monthly Rates For Female Drivers

Car Insurance CompanyAverage Monthly Payment
National General$129
Acceptance RTR$135
Mendota $145
Progressive$145
The General$145

CHEAPEST INSURANCE FOR YOUNG DRIVERS IN ALASKA

Insurance rates tend to be higher for a younger driver in Alaska and many other States. This is because younger drivers get into more accidents statistically. Therefore a driver under 25 in Alaska is paying sometimes two times more in insurance.

Can it be lowered? Yes! If you are young there are ‘Good Student’ Discounts with a ‘B’ average and ‘Usage-Based’ driving monitors that can lower your rate for not using your phone.

In either case, there are options for a young driver looking for Insurance in Alaska.

Average Monthly Rates For Young Drivers

Car Insurance CompanyAverage Monthly Payment
National General$138
Progressive Insurance$139
Dairyland$143
Mendota$147
American Family$153

LOWEST COST CAR INSURANCE FOR MALE DRIVER IN ALASKA

Unfortunately, the statistics are against the males. The National Highway Traffic Safety Administration asserts that men simply cause more accidents. Weird, huh?

Not as weird as the Alaskan law against whispering in someone’s ear while they are moose hunting! While the gender gap with insurance is a hot debate, the premiums are comparable.

Average Monthly Rates For Males in Alaska

Car Insurance CompanyAverage Monthly Payment
Progressive$152
21st Century$153
Nationwide$156
AssuranceAmerica$163
Mendota$163

BEST AUTO INSURANCE WITH BUNDLE/HOMEOWNERS DISCOUNT IN ALASKA

Alaska is too cold NOT to bundle up. The same is true of insurance, don’t freeze your opportunity to save money.

If you have auto insurance and homeowners insurance, bundle them together. One will offer the other great discounts!

Average Monthly Rates With a Bundle Discount

Car Insurance CompanyAverage Monthly Payment
Assurance America$133
National General$134
The General$140
Nationwide$146
Bristol West$148

What Is The “Best” Auto Insurance in Alaska Then?

Alaska has the cheapest insurance rates in all of the U.S. for many reasons. You can also take active steps to keep your premium as low as possible. Here are 3 quick tips:

How To Keep Your Auto Insurance Rates Low

Alaska Auto Insurance
2022 Alaska Auto Insurance

1. Improve your driving record: violations wreak havoc on your premiums

2. Ask for available discounts with an insurance agent here at A Plus

3. Increase your deductible. Higher deductibles mean lower monthly rates.

Frequently Asked Questions About Auto Insurance in Alaska

Is Alaska an at fault state?

Alaska is a “Fault” Car Accident State. Alaska follows a “fault” system when it comes to financial responsibility for injuries, vehicle damage, and other losses stemming from a car accident

Headlight use in Alaska?

Alaska law requires headlights for extended periods of time during the winter months. Certain Alaskan roadways require headlights to be on at all times year-round.

What makes a vehicle street legal in Alaska?

If your vehicle was manufacured before 1949, you’ll need to ensure it has Hydraulic brakes on each wheel and halogen or sealed beam headlights among other items expected by most states.

Last Updated on by Veronica Moss