Alaska Insurance – We shop You Save
Best Car Insurance in Alaska
All About Full Coverage
By Lauren McKenzie | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- Best Car Insurance in Alaska
- Best Car Insurance in Alaska – How much coverage do Alaskan's need?
- Should I Get Full Coverage In Alaska Calculator
- How much does full coverage Auto Insurance in Alaska Cost?
- What is the cheapest car insurance company in Alaska?
- Best Liability Car Insurance Prices in Alaska
- What does Full Coverage cover in Alaska?
- Optional Auto Insurance Coverage in Alaska
- Best Car Insurance in Alaska – How to keep your Auto Premiums Low and Affordable
- Bundling Auto Insurance for BIG Savings!
- Q1: What factors determine the best car insurance in Alaska?
- Q2: How can I find the best car insurance for my needs in Alaska?
- Q3: What are some important coverage options for car insurance in Alaska?
- Q4: How much is the average car insurance in Alaska?
- Q5: What is the #1 auto insurance in the US?
- Q6: What is the minimum car insurance required in Alaska?
- Additional Helpful Links
- Tips to Determine If Your Home and Auto Insurance Is Too Expensive
- INSURANCE SERVICES WE OFFER
Best Car Insurance in Alaska – How much coverage do Alaskan’s need?
Some of the best Car insurance 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 In Alaska 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 coverage 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 |
What is the cheapest car insurance company in Alaska?
What is the Cheapest Car Insurance Company in Alaska?
When hunting for the best car insurance in Alaska, affordability is key. After diligent research, it’s evident that Progressive emerges as a top contender for budget-friendly coverage. Offering competitive rates and a variety of discounts, Progressive ensures you get the coverage you need at a price you can afford. Don’t overlook Dairyland either, known for providing cost-effective options tailored to your specific needs.
Top Affordable Car Insurance Companies in Alaska:
- Progressive
- Dairyland
- Gainsco
Disclaimer: Rates may vary based on individual factors. Contact us for a personalized quote.
With a focus on accessibility and value, these companies make it their mission to deliver quality coverage without breaking the bank. When considering your options, remember to prioritize both cost and coverage to find the perfect fit for your needs.
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.
| Company | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| Progressive | $93 | $1115 |
| State Farm | $105 | $1230 |
| All State | $182 | $2204 |
| Geico | $97 | $1152 |
| USAA | $86 | $1041 |
What does Full Coverage cover 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 Coverage 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.
| Uninsured/Underinsured Motorist Bodily Injury Protection |
| Uninsured/Underinsured Motorist Property Damage |
| Medical Payments |
| Comprehensive |
| Collision |
| Roadside Assistance |
| Rental Reimbursement |
| Gap 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.
Q1: What factors determine the best car insurance in Alaska?
The best car insurance in Alaska is determined by various factors such as coverage options, customer service, affordability, financial stability of the insurer, and suitability for individual needs.
Q2: How can I find the best car insurance for my needs in Alaska?
To find the best car insurance for your needs in Alaska, consider comparing quotes from multiple insurers, reviewing coverage options, checking customer reviews, and seeking recommendations. Call us at 1.888.445.2793 for personalized assistance.
Q3: What are some important coverage options for car insurance in Alaska?
Important coverage options for car insurance in Alaska include liability coverage, uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and personal injury protection (PIP).
Q4: How much is the average car insurance in Alaska?
The average car insurance in Alaska varies, but it is generally higher than the national average due to factors like road conditions and rural driving. For specific rates, it’s best to get a personalized insurance quote.
Q5: What is the #1 auto insurance in the US?
The #1 auto insurance in the US can vary based on different criteria. Companies like Progressive, State Farm, and Allstate are often rated highly for their coverage options, customer service, and financial stability.
Q6: What is the minimum car insurance required in Alaska?
The minimum car insurance required in Alaska is liability coverage with minimum limits of $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage.
Additional Helpful Links
| Alaska Insurance – Liability Only |
| Juneau Auto Insurance |
| Cheap Motorcycle Insurance in Wasilla, Alaska |
| Homeowners and Auto Insurance Alaska |
| Progressive Insurance in Alaska |
Tips to Determine If Your Home and Auto Insurance Is Too Expensive
- Compare Your Current Rates with Other Providers: One of the best ways to check if your insurance is overpriced is by comparing rates from multiple providers. Text Us to get quick comparisons and find out if you’re paying too much.
- Review Your Coverage Limits and Deductibles: Higher coverage limits and lower deductibles can result in higher premiums. Review your policy and adjust your limits and deductibles to ensure you’re not overpaying. Text Us for a policy review.
- Check for Available Discounts You Might Be Missing: Many insurers offer discounts for things like bundling policies, having a good credit score, or being a safe driver. Make sure you’re taking advantage of all available discounts. Text Us to uncover potential discounts.
- Evaluate Your Claims History: Frequent claims can drive up your premiums. Consider whether filing smaller claims is necessary or if you should save your insurance for major incidents.
- Assess Your Policy’s Value Based on Market Rates: Compare your current policy rates with the average market rates to determine if you’re getting a fair price. Call us at 1.888.445.2793 for a personalized assessment.
- Analyze Rate Increases Over Time: If your premiums have been consistently increasing without a clear reason, it might be time to shop around for better rates. Text Us to see if switching providers can save you money.
- Consult with an Insurance Expert: Sometimes, a professional review can reveal savings opportunities you might have missed. Call us at 1.888.445.2793 to speak with an expert and get a comprehensive review of your policy.
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Last Updated on by Camron Moss