The Ultimate 2023 Alaska Auto Insurance Guide (Costs + Coverage)

If you visit the state of Alaska, you might be greeted with one of 20 indigenous languages recognized by the state. The greeting above is in the Deg Xinag language of the Deg Hit’an people. It translates to “Hello, how are you?”

In Alaska, there are more vehicles registered in the state than there are drivers, with 768,343 vehicles registered. And while there are few road connections in the state of Alaska, with as many drivers as there are in the state, Alaska auto insurance will most likely be a topic on your mind.

You might be wondering where to even start looking. Well, look no further! We are here to help. We’ve made this handy-dandy guide to help you with all the ins and outs when it comes to automobile insurance in Alaska.

We will look at a variety of topics for driving in The Last Frontier, including insurance coverage, providers in the state, specific rules in Alaska, and a whole lot more! This includes the following topics:

• Alaska auto insurance requirements
• Auto insurance in Anchorage, Alaska
• Auto insurance quotes
• Best auto insurance in Alaska
• State Farm auto insurance
• Allstate insurance
• Is auto insurance cheaper in Alaska?

We even have a section about high-risk insurance, which can help if you’re a driver that has been labeled high-risk and needs an SR-22 or other type of high-risk insurance.

Compare auto insurance rates in Alaska today with our free online comparison tool. Just enter your ZIP code and compare policies today. Want to jump to a specific section? Click below to go to that section.

• Alaska Auto Insurance Coverage and Rates
• Alaska Auto Insurance Companies
• Alaska State Laws
• Alaska Can’t-Miss Facts

Alaska Auto Insurance Coverage and Rates

In Alaska, it is home to nearly 1,100 vertebrate (backbone) species of wildlife. If you’re lucky, you might catch a glimpse of moose fighting right in your front yard.

Hopefully, wildlife won’t destroy your car. But you will need to know, in the midst of all the insurance policies out there, which ones will offer you the best rates and coverage to fit your needs.

And we’ve done all the heavy lifting for you!

We’ve gone through and explained you’re going to want to know to help you make the best decision possible. In this section, we’ll go over minimum coverage, core coverage, forms of financial responsibility, and more.

Keep reading! Skip ahead to the section you want to learn more about in this section by clicking on any of the topics below:

• Alaska Minimum Coverage
• Forms of Financial Responsibility
• Premiums as a Percentage of Income
• Core Coverage in Alaska
• Additional Liability Coverage
• Add-Ons, Endorsements, and Riders
• Demographic Rates in Alaska
• Highest and Lowest Insurance Rates by Zip Code and City

Minimum Requirements in Alaska

Alaska requires minimum liability coverage in order to legally drive. Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.

The minimum liability you must have to drive in Alaska is as follows:

• $50,000 to pay for the injuries of one person
• $100,000 to pay for the injuries of more than one person
• $25,000 to pay for property damage

Alaska ranks at 11th in the United States for uninsured drivers – with about 15 percent of motorists uninsured–it’s important to know that you need, at the minimum, liability insurance.

Why are so many drivers in Alaska uninsured or underinsured? According to the lawyers at Merdes Law Office in Anchorage:

Many drivers carry sufficient insurance that follows federal guidelines but does not comply with Alaska insurance laws.

This minimum liability coverage is referred to as 50/100/25. And these amounts are so high because

Alaska state law imposes strict lower and upper limits upon uninsured and underinsured motorist insurance policies. These limits are intended to protect drivers from other motorists who fail to carry adequate insurance in case of an accident, limiting the punitive liability of insurance carriers.

Keep in mind that 50/100/25 is just the MINIMUM amount you need to carry. That means that if you were to get into an accident and you only have the minimum, you may quickly run out of money. You will then have to pay for the rest out of your own pocket.

Alaska is an “at-fault” accident state. This means, if you are in an accident and it’s your fault, you are responsible for any personal injury or property claims.

There are additional coverage options you can add to your insurance policy (which we will talk about later).

For now, let’s head up north to Alaska and find out more about what’s required when it comes to auto insurance!

Required Forms of Financial Responsibility in Alaska

Not only do you need forms of financial responsibility if you have vehicles that transport oil, but also you need forms of financial responsibility when it comes to driving your car in The Last Frontier.

Alaska requires you to have the minimum liability coverage (remember, it’s 50/100/25), and the law (Alaska Statute 28.22.019) also requires that every driver has some form of proving financial responsibility (also known as proof of insurance). This can be in the form of:

• A valid insurance card.
• A copy of your current auto insurance policy.
• A  valid insurance binder.

A driver who is involved in an accident MUST show proof of motor vehicle liability insurance if the following has happened:

• The collision resulted in personal injury or death.
• Damage to property exceeded $500.

According to the Alaska DMV:

The Division of Motor Vehicles must suspend the driver’s license, privilege to drive or privilege to obtain a license of drivers who fail to provide proof of liability insurance. The suspension period can be 90 days to 1 year depending on prior license actions. The license suspension will occur even if the driver is not at fault in the collision.

To avoid having your license suspended, make sure you have proof of insurance at all times.

Premiums as a Percentage of Income

In 2017, the annual per capita disposable personal income in Alaska was $49,756.

What in the world is disposable personal income? I’m going to tell you.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

The average annual cost of auto insurance in Alaska is $1,050, which is about 2 percent of the average disposable personal income.

The average Alaska resident has $4,146 each month to spend on the necessities. The auto insurance bill alone will deduct close to $100 out of that — and even more than that with a less-than-perfect driving record.

American Consumer Credit Counseling suggests saving 20 percent of every paycheck.  With Alaska’s DPI, that’s a whopping $829 each month! How much are you putting aside for savings?

Core Coverage in Alaska

The data below comes from the National Association of Insurance Commissioners (NAIC), a leading source on the matter.

Keep in mind, these rates are likely to increase for 2019 and on.

Don’t forget: Alaska has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Alaska.

Listen to the experts. You’ll thank them, and us, later for the extra coverage.

Additional Liability Coverage

Med Pay, Uninsured, and Underinsured Motorist coverage are all optional in Alaska, but they’re still important to have. Why? In 2015, 13 percent of motorists in the US were uninsured, and 15 percent of motorists in Alaska are also uninsured— these drivers would likely go bankrupt before they could pay off bills for damage and injuries they caused in a car accident.

Alaska ranked 11th in the nation in 2015 for uninsured or underinsured drivers

Alaska has been on a downward decline as far as loss ratio is concerned.

Add-ons, Endorsements, and Riders

Good news: there are lots of powerful but cheap extras you can add to your policy.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Auto Insurance
• Modified Auto Insurance Coverage
• Classic Auto Insurance
• Low-Mileage Discount
• Electronic, Audio, and Visual Equipment Coverage

Electronic, Audio, and Visual Equipment Coverage

This type of protection covers the theft of electronic equipment that was installed in your vehicle by the factory or that is permanently installed in the dashboard.

In addition, “theft of CDs or other media may be included in this coverage or added as a separate coverage. Most policies place a limit, such as $100, $250, or $500, on recovery under this coverage.”

Male vs. Female Auto Insurance Rates

Throughout this guide, we are going to go over a large selection of factors that can potentially play a factor into what insurance rate you’re going to receive. In this case, it’s your own gender that can affect rates!

Rates in Alaska do not seem astronomical when comparing both age and gender. Rates seem to be about the same for married 35-year-olds and married 60-year-olds regardless of gender.

If you are a young and single female, you will be paying slightly less for auto insurance. Young and single males will be paying a bit more when it comes to auto insurance.

One thing to remember: your coverage limits and your driving record will play a major role in your costs.

Cheapest Auto Insurance Rates by Zip Code and City

Where you live also contributes to your auto insurance rates. We’ve gone through and collected data on some of the most expensive, and least expensive, zip codes. Check below to see where your zip code falls!

We’ve also gone through and provided you with a list of the most expensive, and least expensive, cities for auto insurance. Enter your city into the search box to see where your city is on the list.

Anchorage is the city with one of the highest average insurance rates. Interested in seeing how you can get cheap insurance rates in Anchorage? Check out our complete guide to auto insurance in Anchorage to see how you can save on insurance in the largest city in Alaska.

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Alaska Auto Insurance Companies

With the hundreds of auto insurance providers out there, it’s nearly impossible to know who you can trust or when is the right time to switch (if ever!).

Let us help you figure that out!

Keep reading to get the inside scoop on who the best providers are (and why) across The Last Frontier.

Want to jump straight to the topic in this section you’re looking for? Click on the topic below to straight to what you want to learn more about:

• The Largest Companies’ Financial Ratings
• Companies with the Best Ratings
• Companies with the Most Complaints
• Alaska Auto Insurance Rates by Company
• Commute Rates by Company
• Coverage Level Rates in Alaska
• Credit History Rates
• Driving Record Rates
• Number of Insurers in Alaska

The Largest Companies’ Financial Ratings

Check out where the largest insurance companies in Alaska rank based on their AM Best Rating, which is a financial rating car companies use to measure their financial strength.

Two companies (Country Insurance & Financial Service Group and Tiptree Financial) do not have an AM Best Rating. As such, it would be up to you as the consumer to look into the quality of the company.

Companies with the Most Complaints in Alaska

A bad review and complaint every now and again is par for the course for any business. But when there are multiple bad reviews and complaints, the time has come to start paying attention!

The state of Alaska will help you out as much as they can with your complaints, as they have a department that handles this.

Now that you know, here are the companies in Alaska with the most customer complaints:

Good news! Not many auto insurance companies in Alaska are on this list, and if there are complaints, the numbers are low. Still, do your research when it comes to auto insurance companies!

Alaska Auto Insurance Rates by Company in Alaska

State Farm seems to have the best annual rates when it comes to auto insurance.

Cheapest Commute Rates by Company in Alaska

Depending on the company, how far you drive each day can influence your insurance rates.

In Alaska, it seems the less you commute, the more you save. Only Progressive has the same rates, no matter the length of the commute.

Cheapest Coverage Level Rates in Alaska

You have to decide, as the consumer, if less coverage means better coverage. Lots of factors may go into deciding between low and high coverage, such as price and what is covered. USAA offers the best deals when it comes to all levels of coverage, according to the chart above.

Cheapest Credit History Rates in Alaska

When you apply for insurance, you might be asked to provide information on any kind of bankruptcy, credit problems, or judgments against you. Any insurance company can ask for your permission to obtain a credit report or will disclose that credit information will be used for auto insurance quotes.

Alaska Statute 21.36.460 states that it “sets limits on the types of credit information that may be used, what consideration it may be given, and how often it may be considered.”

Here are the rates for auto insurance in Alaska, considering credit history:

Your credit history can work for, or against you when it comes to auto insurance. But what about your driving record?

Cheapest Driving Record Rates in Alaska

Much like credit history, your driving record can work for you, or against you, when it comes to the cost of your auto insurance in Alaska.

Some companies might offer “Good Driver” discounts if you have been accident-free or violation-free for a certain number of years, so be sure to check with your insurance carrier!

Number of Insurers in Alaska

In the state of Alaska, State Farm has a big hold on the state in terms of market share. Horace Mann holds the lowest.

When it comes to insurers, there are domestic insurers and foreign insurers.

What is the difference, you may ask?

Say you live in Alaska and you get your insurance policy from a provider in Alaska. You have purchased from a domestic insurer, as your policy is tailored to the laws under Alaska.

Now let’s say, for example, you moved from Oregon to Alaska. Your insurance policy was purchased while you were in Oregon. Your policy is considered foreign insurance as it was formed under Oregon laws and not Alaska’s.

Alaska has four domestic insurers and 397 foreign insurers.

Why so many foreign insurers?

Geico, for instance, is a major insurance provider that provides coverage all across the United States. They would be considered a foreign insurer because they are a chain located in multiple states.

Meanwhile, there might be a small-town provider located only in Alaska. They would be considered domestic because they don’t have any other locations in any other state.

You still are legally allowed to drive even if you have foreign insurance, as long as you make sure you have the minimum liability coverage for Alaska. If you don’t, talk to your insurance provider to make the change.

Alaska State Laws

In order to keep your auto insurance rates low, you need to know the laws in your state so you don’t get a fine. Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to the state of Alaska.

Alaska’s Auto Insurance Laws

Alaska has a number of specific laws unique to their state, so be aware (especially if you’re a new resident or just passing through!).

You can read up on the specifics of some of its laws and fining procedures below to avoid incurring fees and possible insurance rate increases.

High-Risk Insurance in Alaska

Sometimes, bad things happen to you on the road and your record ends up being less-than-stellar. In Alaska, a high-risk driver must get a type of insurance called an SR-22.

Here are some reasons Alaska drivers need an SR-22 once they’re driving privileges are reinstated:

• Failing to have the minimum liability coverage required.
• Too many speeding tickets or moving violations.
• Suspended driver’s license.
• DUI/DWI or other major violations like reckless driving.
• Excessive speed violations.
• Fatal accident history.

If you cannot get insurance coverage, you might be eligible for coverage under the Alaska Automobile Insurance Plan, or AAIP.

Low-Cost Insurance in Alaska

There are no special programs in Alaska for low-cost auto insurance, so it is up to you to make sure you are getting the best rates!

You can ask your provider if they offer discounts for:

• Good driver discount.
• Good student discount.
• Anti-theft device discount.
• Multi-car discount.
• Homeowner’s discount.

Windshield Coverage

In Alaska, there are no laws that are unique to windshields. Also, there is no information about OEM versus aftermarket parts, or choice of repair shops.

Teleglass has this to point out about windshield coverage:

The state of Alaska has the standard insurance coverages in regards to autoglass coverage. Coverage for an autoglass loss would fall under the comprehensive coverage portion of your personal auto policy (PAP).

In Alaska, there are no state mandated waivers for deductibles in relation to auto glass. If you have a PAP in the state of Alaska, the deductible amount you selected under your comprehensive coverage would apply.

Automobile Insurance Fraud in Alaska

The Alaska Division of Insurance takes fraud VERY seriously:  “Our investigators look for potentially fraudulent activity, including claimant, agent, insurer, medical care provider, and workers’ compensation fraud.”

On the Division of Insurance website, it lists 10 cases of insurance fraud alone. Long story short:  don’t commit insurance fraud. It isn’t worth jail time.

The Statute of Limitations in Alaska

If you are in an accident, you only have a certain amount of time to file a claim. If you don’t file a claim in time, you won’t receive the money you are owed. This time begins running out the day of your accident. This amount of time is known as the statute of limitations. Here’s the amount of time you have to file claims:

• Personal Injury: Two years.
• Property Damage: Six years.

Report Every Dangerous Driver Immediately (REDDI)

Alaska has an initiative known as Report Every Dangerous Driver Immediately, or “REDDI”. Signs of dangerous driving, according to the Alaska Highway Safety Office, include:

• Weaving in and out of lanes.
• Driving with windows rolled down in cold weather.
• Passing on curves and double yellow lines.
• Straddling the center line.
• Making wide or high speed turns out of assigned lanes.
• Driving so slowly as to impede traffic.
• Tailgating.

If you happen to see a dangerous driver, dial 911 immediately to report it!

Vehicle Licensing Laws

Alaska requires all drivers to have insurance. As such, there are strict penalties in place for driving without it.

Look at the penalties below, and decide if it’s worth driving without insurance:

• 1st offense:  Suspended license for 90 days.
• 2nd offense:  Suspended license for one year.

Alaska doesn’t have fines, which is nice. But that won’t do you any good if you’re not able to drive at all!

If you break the law by driving without insurance, your car’s registration will not be suspended (again, which is nice!), but Alaska WILL suspend your license. It doesn’t matter if you are the at-fault driver or not.

The penalty for being in an accident without insurance is the same:  losing your license.

Your decision as to whether you have insurance or not, but a suspended license is the consequence.

New Secure Driver License Features

On October 1, 2021, Alaska will require ALL state residents to obtain an Alaska Real ID.

Now, I know it’s a pain in the butt to go to the DMV to renew your license, but the Real ID will allow you to use your ID “as identification to access federal buildings, including military installations, and board commercial, domestic flights without additional documentation.”

Not having to have any additional identification and just carry one card around seems worth the wait in line at the DMV!

Note:  if you are going to travel internationally, you will still need a passport.

You need the following to apply for your ID:

• Proof of Identity.
• Proof of U.S. Citizenship, Permanent Residency, or other Lawful Status.
• Proof of Social Security Number.
• Proof of Name Change (if applicable).
• 2 Documents Verifying Alaska Residency.

Teen Driver Laws in Alaska

If you are a teen in Alaska, you can get a learner’s permit at the age of 14. However, this does not equate to getting your license faster, as you still have to wait until you are 16 to get your driver’s license. 

When it comes to the requirements and restrictions, take note teens (or if you are the parent of a teen ready to learn to drive).

Older Driver License Renewal Procedures in Alaska

In Alaska, if you are an older driver, you need to renew your driver’s license every five years, the same as the general population. However, there are some special rules in place if you are 69 years old and older:

• Proof of adequate vision is required at EVERY renewal.
• Mail or online renewal is NOT permitted.

So if you are an older driver, you have to go in person to renew your license AND you have to schedule a visit with an eye doctor.

New Residents in Alaska

If you are working in Alaska or have just moved to Alaska, you must apply for registration within 10 days of moving to the state or taking a job within the state.

Of course, if you have just moved to Alaska or have gotten a job in Alaska, you’ll want to register your vehicle! Here is what’s required:

• Current out-of-state registration.
• Title (if there is no lienholder).
• Application for Title & Registration (known as Form 812).
• Fees (depending on the type of vehicle).

Something to know:  If an individual has purchased either a new or used vehicle from an Alaska dealer, the dealer will usually submit all of the documents to the DMV.

Also, remember you’ll need auto insurance.

If you recall, Alaska requires you to have the following minimum liability insurance.

• $50,000 to pay for injuries of one person.
• $100,000 to pay for injuries of more than one person.
• $25,000 to pay for property damage.

You must contact your provider so that your provider can change your rates and provide you with updated insurance cards. As a new resident, this is another task on your to-do list.

License Renewal Procedures in Alaska

Vehicles in Alaska are registered for a two-year period.

When it comes to license renewal, Alaskans must renew their licenses every five years. This doesn’t mean you need to make a trip to the DMV every time.

In Alaska, residents can renew their licenses online or through the mail every other renewal. That means 10 years without a trip to the DMV!

Proof of adequate vision is required at every IN-PERSON renewal. This isn’t a big deal when you consider that this requires an eye-doctor visit every ten years. Especially because you should be going to an eye-doctor more frequently than once a decade!

Negligent Drivers in Alaska

According to NOLO, negligent driving in Alaska is when a person endangers other people and property through risky driving. While negligent driving isn’t a crime in the state of Alaska, you can pay up to $300 in fines if you are convicted.

Negligent driving will also add six points to your driving record.

Remember, a bad driving record will also increase your rates. To avoid paying more, avoid reckless driving to keep both yourself and others safe on the road.

Alaska’s Rules of the Road

If you don’t know the rules of the road, you risk breaking the law. In addition to fines, you will have points added to your record that will increase your rates. To avoid losing more of your hard-earned money, continue reading to learn about Alaska’s rules of the road.

Fault versus No-Fault

Alaska is an at-fault state. This means that the person who is at-fault in an accident is responsible for paying the costs of anyone injured in the accident and property damages.

If you don’t have insurance or the right coverage, an accident can quickly drain your resources if you are at fault. This is why it is important to make sure your coverage matches your needs, and that you purchase more than the minimum requirements.

Keep Right and Move Over Laws

The move over laws in Alaska is also fairly simple. In Alaska, you are required to move over for stopped vehicles, such as:

• Emergency vehicles.
• Police officers/state troopers.
• Utility service trucks.

The best rule of thumb is that whenever you see a stopped vehicle, move over.

Alaska wants to make sure that its workers and its drivers are safe. Alaska created the move over law so that law enforcement and other workers can do their work in a safe area.

Speed Limits in Alaska

No one likes to get a speeding ticket. So make sure to familiarize yourself with Alaska’s speed limits, so that you aren’t stuck paying for one!

Seat Belt and Car Laws in Alaska

All passengers in a car in Alaska are required to wear a seat belt, no matter what seat the passenger might be sitting in.

In 2006, Alaska became the 23rd state to pass a primary seat belt law, which is different from the mandatory law Alaska’s had on the books since 1989. How is it different?

Until 2006, if an officer stopped you and saw you weren’t wearing a seatbelt, the officer could choose whether or not he/she wanted to give you a ticket. Now? If an officer sees you not wearing a seatbelt, the officer WILL stop you and the officer WILL give you a ticket!

As the Municipality of Anchorage states,

As the largest state, we should be an example and lead the national average by encouraging seat belt use.

When it comes to car seat laws, the NHTSA states that children birth to 12 months need to be in rear-facing car seats, and children one to seven years need to be secured in the proper car seat or booster seat for their age and weight. Breaking these laws will have you paying fines of up to $50, plus fees.

There are no state laws about riding in the cargo areas of pickups but make sure you exercise caution to maintain the safety of both others and yourself.

Ridesharing

You might be familiar with ride-sharing companies such as Uber and Lyft. Working for these companies requires ridesharing insurance and usually a vehicle inspection.

If you are thinking of ridesharing, make sure to ask your provider if they provide ridesharing insurance. If not, you may be forced to find a different insurer for ridesharing insurance.

Automation

Currently, the state of Alaska does not have any laws managing the use of automated vehicles.

When you think of an automated vehicle, the company Tesla might immediately come to mind.

Alaska DUI and Marijuana-Impaired Driving Laws

Alaska DUI law AS 28.35.030 states the following:

Any person stopped while operating a motor vehicle, aircraft, or watercraft while under the influence of alcohol, an inhalant or any controlled substance with a blood alcohol level of .08% or greater is considered to be DUI.

Important to know:  Holding a driver’s license in Alaska means you give the state implied consent. This means if you are stopped for DUI or suspicion of DUI, you give the officer permission to test your breath/blood for the presence of alcohol.

The penalties for driving under the influence of alcohol are steep!

Just for the first offense alone, you’re paying $1,500 in fines, at the minimum, plus an additional $200 just to reinstate your license!

When it comes to marijuana use, Alaska doesn’t have a specific law against marijuana-impaired driving.

This doesn’t mean you won’t get in trouble for driving while under the influence of marijuana. 

Distracted Driving Laws

Distracted driving is anything that you do in a vehicle that keeps your attention off the road.

And cell phones seem to be the main culprit when it comes to distracted driving. Several leading studies show the use of a cell phone increases your chances of getting into a crash by 400 percent!

Alaska’s Distracted Driving Law has to do with cell phone use (though there are other forms of distracted driving, such as eating food, putting on makeup, or operating a vehicle while tired and drowsy).

Texting while driving, for all drivers, is banned in the state of Alaska, and is a primary enforcement, meaning if you are stopped by an officer, you will get a ticket.

There is no hand-held ban or ban for young drivers, but this doesn’t mean that you shouldn’t take care and not keep your eyes on the road!

Alaska Can’t-Miss Facts

You now have a good understanding of the laws in Alaska, so let’s jump into some of the must-know driving facts in Alaska. There are unique risks to owning and operating a vehicle in Alaska, and it can be difficult to know what all these risks are.

If you know the risks of the road, it will help keep you keep a wary eye out on Alaska’s rugged roads for the major risk factors.

No-one wants to be in an accident, so we have covered everything you need to know about vehicle theft, risky behavior, EMS response time, and other facts.

Vehicle Theft in Alaska

Certain cars are stolen more than others. Though if you are unlucky enough to have your car stolen, your insurer may cover the cost of your stolen car.

Where you live can also determine if your car may/may not be stolen. The FBI has collected data in 2013 on vehicle theft, which we have compiled and listed below:

Traffic Fatalities in Alaska

Risky and harmful behavior plays a large role in fatality rates. When it comes to cities in Alaska, only one made the NHTSA list in terms of fatalities, and that is Anchorage, with a total of 18 people killed in 2016.

We will look at Alaska’s fatalities and some of the issues that contribute to accidents, such as speeding and underage drinking.

First, let’s take a look at traffic fatalities in Alaska when it comes to rural areas and urban areas:

What is interesting to note is that fatality rates are lower in urban areas than in rural areas. Other states you see the opposite trend. This is due to the higher speeds that are reached on rural roads compared to urban roads.

Person type also shows trends in fatalities, such as vehicle type and pedestrian versus occupant:

Up next, the crash statistics by county in Alaska over the course of five years:

Speeding is a major contributor to fatalities in Alaska. Keep scrolling to see the number of speeding fatalities in each county:

Another major contributor to crash fatalities is drunk driving. Below, we’ve taken a look at the fatalities involving an alcohol-impaired driver:

A sobering fact of drunk driving is that a percentage of these drivers are teens. In 2016, law enforcement arrested 31 underage drivers for drunk driving.

Alaska’s fatality rate for underage drunk driving is 1.4 fatalities per 100,000 people, which is ABOVE the national average of 1.2 fatalities.

Now that we have covered drunk driving fatalities and arrests, let’s jump into EMS response time in Alaska.

EMS Response Times in Alaska

When you are injured in an accident, you need help to arrive quickly. Alaska’s EMS response times are listed below, and the numbers look good. It takes less than an hour from the time of the crash to arrive at a hospital.

Alaska has high-quality people who work for the EMS, and here are the stories behind the people who save lives every day in Alaska:

Transportation in Alaska

When it comes to how many cars you own, almost 40 percent of residents in Alaska own two cars or more:

Car Ownership in Alaska

Alaska tends to enjoy quick commutes, as the average commute in Alaska is 17 minutes, which is eight minutes below the national average! 

Commute Time in Alaska

A little over 1 percent of the Alaskan workforce has a super-commute in excess of 90 minutes or more each way.

How do people get to work? Barring by dog sled, here are the ways people like to get to work in Alaska:

Commuter Transportation in Alaska

Sixty-nine percent of the workforce go at it alone, while 12 percent love to team up with a buddy. And surprisingly, the third most popular option is walking!

Traffic Congestion in Alaska

NONE of Alaska’s cities made it onto INRIX’s scorecard for global traffic. This is great news! It means that even in some of the busiest Alaska cities, the small amount of time spent in traffic is not worth mentioning.

Since Alaska’s average commute time is 17 minutes, it makes sense that Alaskans are not spending time sitting in traffic.

Driving the highways in Alaska (and there are only four major interstates in the ENTIRE state) seems to be smooth sailing. Of course, things tend to make driving difficult, like extreme weather or Alaskan wildlife.

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Frequently Asked Questions: Alaska Auto Insurance and Worst Insurance Companies

Now that we’ve covered Alaska auto insurance coverages, rates, companies, and more, let’s get to your frequently asked questions.

#1 – How much is auto insurance in Alaska?

The average rate in Alaska that combines liability, collision, and comprehensive insurance is $1,028. Your rate, however, will depend on numerous factors including your gender, age, credit score, driving history, ZIP code, and more.

#2 – Is auto insurance more expensive in Alaska?

Yes, Alaska ranks in the worst 15 for average premiums and is lumped in with other high insurance states like Lousiana, Michigan, and New York. Personal demographics play into each driver’s rate, and the high uninsured motorist percentage may contribute to rates higher than the average for all states.

#3 – Does Alaska require auto insurance?

Yes, Alaska requires auto insurance. The minimum auto insurance requirements are 50,100,25 liability insurance. This means $50,000 to cover the damages to one person in an accident, $100,000 to cover the damages to more than one person, and $25,000 to cover property damage.

#4 – Who has the cheapest auto insurance?

In Alaska, the cheapest auto insurance provider is State Farm at annual rates of $2,228, followed by USAA and then Geico. Those three are also the cheapest auto insurance companies nationwide, with USAA having the cheapest rates out of all companies in the country.

#5 – What is the penalty for driving without insurance in Alaska?

If you receive a ticket for driving without insurance in Alaska, the police officer will likely give you a ticket, which can run into the hundreds of dollars. You face the possibility of a license suspension, and if you don’t pay the ticket on time, you can run into additional penalties.

#6 – What are the worst insurance companies?

There is not much data available for complaints per company in Alaska. When it comes to overall complaint indexes for the largest 10 insurance companies throughout the entire United States, Allstate, USAA, Travelers, Geico, and Progressive receive the most complaints compared to the number of policies they write.

So now you’ve got all the facts!  We hope this comprehensive guide was able to give you the best tools to allow you to make the best decision for YOUR needs.

Ready to compare rates for vehicles in Alaska? Our online quote generator makes it easy for you to compare multiple policies at once so that you don’t have to go through numerous quote processes for individual companies.