Affordable Auto Insurance in Alaska

Best Car Insurance In Alaska: All about Full Coverage in Alaska

Best Car Insurance in Alaska

By Lauren McKenzie | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Best Car Insurance in Alaska – How much coverage do Alaskan’s need?

In Alaska, the minimum requirement to be considered legal on the road is 50/100/25 set as your liability limits.

This means you will have $50,000 in bodily injury protection per person, a total of $100,000 each accident, and $25,000 for property damage.

Your liability is what pays out to the other party if you are found At Fault, or liable in an accident.

  • Unlike many States, Alaska does not require you to have liability insurance in rural areas where vehicle registration is not mandatory. This means you do not have to carry insurance on multiple vehicles if they are parked on your property and you are not driving them.

Most States do require that you carry insurance regardless if the vehicle is being driven or not.

Should I get Full Coverage Calculator


How much does full coverage Auto Insurance in Alaska Cost?

Full coverage prices in Alaska will vary based on several factors such as your location, driving history, type of vehicle and type of coverages desired. On average, a person with full coverage auto insurance in Alaska should expect to pay about $1300/year.

Full coverage consists of Comprehensive and Collison, which covers an impact with another vehicle/object, and theft, fire, vandalism, glass breakage, etc.

Other coverages are optional in Alaska such as Uninsured Motorist Bodily Injury Protection, Medical Payments, Roadside Assistance, Rental Reimbursement and Gap Insurance.

Average Cost for Full Coverage in Alaska by Company
Geico $145/month
Progressive $148/month
All State $208/month
State Farm $215/month
USAA $105/month

Best Liability Car Insurance Prices in Alaska

If you are looking for the best car insurance in Alaska, that is required by law, drivers can get Liability Insurance.

Liability will protect others in the event of an accident that you are found At Fault for, or liable.

Liability does not cover yourself or your vehicle, only the other party.

See below for the average cost for Liability only Insurance in Alaska, by company.

CompanyAvg. Monthly CostAvg. Annual Cost
Progressive$93$1115
State Farm$105$1230
All State$182$2204
Geico$97$1152
USAA$86$1041
Best Liability Insurance in Alaska by company

What does Full Coverage cover in Alaska?

Best Car Insurance in Alaska

Comprehensive and Collision are additional coverages added onto a Liability policy, which is considered full coverage.

Comprehensive will cover the vehicle for things such as theft, glass breakage, vandalism, fire, and hail, and impact with an animal such as a moose.

Collision will cover the vehicle for impact with another vehicle, or object such as a tree or guardrail.

Optional Auto Insurance Coverages in Alaska

In Alaska, you’re only required to carry liability insurance. Drivers can choose to increase their liability limit higher than the State Required limit for greater coverage, as well as add additional coverages onto their auto policy.

Uninsured/Underinsured Motorist Bodily Injury Protection will protect the driver if another driver is found At Fault in an Accident and either uninsured, or has lower liability limits (underinsured). This will pay out medical expenses to the driver up to their policy liability limit.

Uninsured/Underinsured Motorist Property Damage is available to drivers if they have Uninsured Motorist Bodily Injury on their policy first. Property damage will cover property damage to the insured’s vehicle, subject to a deductible, if they are hit by a driver who is uninsured or underinsured, and found At Fault in the accident.

Medical Payments pays out regardless of fault in an accident, and covers the driver and all passengers involved for medical expenses up to a certain limit per person such as $5,000 per person, $10,000 per person, or $25,000 per person. This coverage is intended to cover medical expenses such as an ambulance ride, and hospital bills if injured in an accident.

Optional Coverages Available for Alaska Auto Insurance
Uninsured/Underinsured Motorist Bodily Injury Protection
Uninsured/Underinsured Motorist Property Damage
Medical Payments
Comprehensive
Collision
Roadside Assistance
Rental Reimbursement
Gap Insurance
Optional Coverages in Alaska for Auto Insurance

Best Car Insurance in Alaska – How to keep your Auto Premiums Low and Affordable

Looking for ways to keep your car Insurance low and affordable in Alaska? There are several tips and tricks you can use to help keep your premiums low in this day and age where everything seems to be going up in price.

First, consider the type of vehicle you are looking to insure, can you afford the insurance on that vehicle? Consider the coverages on the vehicle, what coverages do you need and what coverages can you go without? Talk with an agent to see if there are any discounts you may be eligible for, such as a bundle discount, paperless, auto pay, pay in full, or a driving discount which a lot of companies are offering now, like Progressive.

Check below for a list of most common Insurance discount to help you save the most money you can on your auto insurance policy.

Paperless Discount
Advanced Quoting Discount
Auto Pay Discount
Pay In Full Discount
Marital Discount
Home Owner Discount
Multi Policy (Bundle) Discount
Defensive Driving Course Completion Discount

Bundling Auto Insurance for BIG Savings!

Bundling your auto insurance policy with another product can save you on average 20% off each insurance policy. Whether you are a renter, home owner, small business owner, or even have a few Alaskan toys such as a snow machine or side by side needing insurance, we are here to help you save money.

When you bundle all your Insurance products through one insurance company, you are maximizing your savings and getting the cheapest possible price for your insurance.

OTHER HELPFUL LINKS: SUGGESTIONS

Affordable Liability Insurance in Alaska
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Juneau Auto Insurance
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Last Updated on by Veronica Moss