The Ultimate Alaska Car Insurance Guide (Costs + Coverage)

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Alaska Statistics Summary
 
Road Miles 2015
Total in State: 16,129
Vehicle Miles Driven: 5,045 Million
Vehicles 2015 Registered: 783,169
Total Stolen: 2,046
State Population 737,438
Most Popular Vehicle F150
Percentage of Motorists Uninsured 15.40%
State Rank: 11th
Driving Deaths Speeding (2008-2017) Total: 253
Drunk Driving (2008-2017) Total: 207
Average Premiums 2015 (Annual) Liability: $539.68
Collision: $350.81
Comprehensive: $137.26
Combined Premium: $1,048.60
Cheapest Provider State Farm Mutual Auto

Alaska is known as the Last Frontier. Alaska shows off its beautiful mountains and glaciers proudly housing 17 of the 20 highest points in the United States. Alaska also claims the title to the lowest population density in the nation. So not only does it have a gorgeous landscape, it offers a place to get away from the crowds and enjoy nature and the scenery.

Alaska’s terrain is definitely different than most states making insurance even more important. Insurance can be tough and hard to understand. We are going to walk you through the state laws, the best insurance companies, and the rules of the road.

Let us do the research, and you reap the benefits with the ease of making insurance decisions. Remember we also offer free quotes here. We are going to make the necessity of insurance easy.

Table of Contents

Alaska Car Insurance Coverage and Rates

We are going to start with coverage and rates. What does Alaska expect from their drivers? How much coverage is mandated before you can drive on Alaska roadways?

We are going to navigate those questions and more for you in this first section.

– Alaska’s Car Culture

It comes as no surprise that Alaska has trucks and a lot of them. The Alaskan Highway, which is what connects Alaska to the contiguous United States, was recently paved in 1992. The terrain is rough and big trucks are needed to get around Alaska.

– Alaska’s Minimum Coverage Requirements

Like most states, Alaska has a minimum liability insurance requirement.

Coverage Limit
Bodily Injury per Person $50,000
Bodily Injury per Accident $100,000
Property Damage $25,000

The coverages above are liability coverage used to pay for another party in an accident where you are at fault. Minimum coverages are just that, the minimum amount of coverages. It is always good to speak with your insurance carrier to make sure you have adequate coverage.

– Forms of Financial Responsibility 

Alaska state law requires proof of insurance liability coverage to be located in the vehicle. You must show proof of liability coverage in all traffic stops and accidents, regardless of fault. Failure to show proof of insurance can result in a citation and possible vehicle impoundment.

– Premiums as a Percentage of Income 

A big question when it comes to insurance is the cost. How much of your income is going to cover the cost of your insurance?

2014 2013 2014
2.11% 2.26% 2.17%

Percentage of income is down from 2013 and 2012.

Below is a calculator you can use to plug in your personal information to get an exact percentage of your income is going to insurance premiums:

 

CalculatorPro

– Core Coverage 

Core coverages consist of liability, comprehensive, collision, and full coverage or combined coverage. Liability is the coverage used when you are at fault.

This coverage goes into effect for the person having damages or injury due to an accident you caused. Comprehensive and collision coverage are coverages that are used for your damages. Full coverage, or combined, is a policy with all of the above-mentioned coverages.

Here is a short explaining some core coverages that can be included in most auto policies.

Here is a table showing the average premiums of the coverages for Alaska residents.

Coverage Type Annual Costs (2015)
Liability $539.68
Collision $350.81
Comprehensive $137.26
Combined $1,048.60

– Additional Liability   

You can purchase additional liability with your insurance carrier. Uninsured/underinsured motorist (UUM) coverage is used in the event of a hit and run or if you are hit by a driver with inadequate or no insurance. Alaska is ranked 11th in the United States for uninsured drivers.

Medical payments is another coverage that can be purchased along with your required liability. Med Pay is used to pay for hospital bills or funeral expenses for anyone in the vehicle regardless of fault.

Loss ratio is used to calculate how much premium is earned or paid by the insured versus how much is paid out in claims. If a company has a loss ratio of over one hundred percent that means the company is losing money.

They are paying out more in claims than they are receiving in premiums. If the loss ratio is too low that shows the company does not pay out claims.

Loss Ratio 2013 2014 2015
Medical Payments (MedPay) 78% 81% 83%
Uninsured/Underinsured Motorist Coverage (UUM) 46% 53% 50%

– Add-ons, Endorsements, and Riders 

Below is a list of some of the more common endorsements you can add on your insurance policy. It is always a good idea to communicate all your needs to your insurance agent to make sure you have the best-added coverage to your policy.

Demographic Rates – Male vs. Female vs. Age

Two of the many factors that go into your insurance premium rate is age and gender. Gender plays a slight role in your rate. Some companies do not even change their rate on gender, while others, it may be a slight increase or decrease due to gender.

Age is a bigger factor in your rate change. A younger driver will always have a higher rate due to the inexperience of driving.

Company Married 35-year-old female Married 35-year-old male Married 60-year-old female Married 60-year-old male Single 17-year-old female Single 17-year-old male Single 25-year-old female Single 25-year-old male
Allstate F&C $2,133.71 $2,133.71 $2,037.18 $2,037.18 $5,100.22 $6,679.06 $2,407.00 $2,634.39
Geico General $2,118.66 $2,053.39 $1,999.69 $1,902.76 $4,667.64 $5,955.63 $2,094.53 $2,247.33
Progressive Direct $1,846.21 $1,631.16 $1,551.21 $1,588.18 $6,507.31 $7,248.95 $2,075.99 $2,053.77
State Farm Mutual Auto $1,340.30 $1,340.30 $1,200.62 $1,200.62 $4,158.63 $5,390.65 $1,578.13 $1,615.68
USAA $1,439.39 $1,435.84 $1,341.61 $1,334.71 $4,660.59 $5,168.23 $2,065.08 $2,188.18

Cheapest Rates by Zip Code

Below is a table listing the most expensive and cheapest zip codes in Alaska. See if your zip code makes the cut and where it is at on the list.

Alaska Zip Codes      
Most Expensive Zip Codes Average Least Expensive Zip Codes Average
Anchorage 99504 $3,132.74 Meyers Chuck 99903 99903
Chugiak 99567 $3,124.36 Wrangell 99929 $2,471.16
Eagle River 99577 $3,111.36 Hyder 99923 $2,468.39
Anchorage 99508 $3,101.13 Hydaburgh 99922 $2,465.25
Palmer 99645 $3,091.71 Thorne Bay 99919 $2,456.86
Anchorage 99502 $3,086.19 Point Baker 99927 $2,455.82
Anchorage 99507 $3,083.15 Ketchikan 99901 $2,438.02
Anchorage 99518 $3,080.49 Coffman Cove 99918 $2,438.02
Anchorage 99503 $3,074.51 Ward Cove 99928 $2,438.02
Anchorage 99599 $3,074.51 Juneau 99801 $2,391.42
Anchorage 99501 $3,074.22 Juneau 99811 $2,391.42
Anchorage 99513 $3,074.22 Auke Bay 99821 $2,391.42
Anchorage 99529 $3,074.22 Sitka 99835 $2,371.90
Big Lake 99652 $3,072.96 Port Alexander 99836 $2,371.90
Wasilla 99654 $3,072.96 Elfin Cove 99825 $2,370.52
Anchorage 99515 $3,072.50 Skagway 99840 $2,370.50
Anchorage 99517 $3,068.87 Haines 99827 $2,357.96
Anchorage 99530 $3,068.87 Gustavas 99826 $2,355.81
Sutton 99674 $3,060.28 Douglas 99824 $2,351.46
Anchorage 99516 $3,056.41 Petersburg 99833 $2,351.30
Indian 99540 $3,026.69 Kake 99830 $2,348.31
Jber 99505 $3,012.68 Pelican 99832 $2,348.31
Jber 99506 $2,988.70 Tenakee Springs 99841 $2,348.31
Willow 99688 $2,957.31 Hoonah 99829 $2,348.11
Houston 99694 $2,957.31 Angoon 99820 $2,335.97

Cheapest Rates by City

We have also broken down the data showing which cities have the cheapest rates. Check out the table below and search for our city to see where it lands on the list.

Complete List of Most and Least Expensive Zip Codes in Alaska    
City Zip Code Average
ANCHORAGE 99504 $3,132.74
CHUGIAK 99567 $3,124.36
EAGLE RIVER 99577 $3,111.36
ANCHORAGE 99508 $3,101.13
PALMER 99645 $3,091.71
ANCHORAGE 99502 $3,086.19
ANCHORAGE 99507 $3,083.15
ANCHORAGE 99518 $3,080.49
ANCHORAGE 99503 $3,074.51
ANCHORAGE 99599 $3,074.51
ANCHORAGE 99501 $3,074.22
ANCHORAGE 99513 $3,074.22
ANCHORAGE 99529 $3,074.22
BIG LAKE 99652 $3,072.96
WASILLA 99654 $3,072.96
ANCHORAGE 99515 $3,072.50
ANCHORAGE 99517 $3,068.87
ANCHORAGE 99530 $3,068.87
SUTTON 99674 $3,060.28
ANCHORAGE 99516 $3,056.41
INDIAN 99540 $3,026.69
JBER 99505 $3,012.68
JBER 99506 $2,988.70
WILLOW 99688 $2,957.31
HOUSTON 99694 $2,957.31
GIRDWOOD 99587 $2,894.79
FAIRBANKS 99701 $2,885.50
SALCHA 99714 $2,880.20
FAIRBANKS 99712 $2,876.34
FAIRBANKS 99790 $2,876.34
FORT WAINWRIGHT 99703 $2,876.16
ANCHORAGE 99519 $2,853.72
TWO RIVERS 99716 $2,848.08
FAIRBANKS 99775 $2,836.65
WHITTIER 99693 $2,833.93
CHICKEN 99732 $2,828.96
EAGLE 99738 $2,828.96
NORTHWAY 99764 $2,828.96
TANACROSS 99776 $2,828.96
TOK 99780 $2,828.96
NORTH POLE 99705 $2,827.17
FORT GREELY 99731 $2,824.49
DELTA JUNCTION 99737 $2,824.49
ANDERSON 99744 $2,816.00
EIELSON AFB 99702 $2,812.87
HEALY 99743 $2,811.56
TYONEK 99682 $2,809.91
BARROW 99723 $2,808.39
FAIRBANKS 99709 $2,808.39
GAKONA 99586 $2,807.55
CHITINA 99566 $2,803.40
COPPER CENTER 99573 $2,803.40
GLENNALLEN 99588 $2,803.40
#N/A 99623 $2,800.27
DENALI NATIONAL PARK 99755 $2,798.16
BETTLES FIELD 99726 $2,795.61
FORT YUKON 99740 $2,795.61
CHALKYITSIK 99788 $2,795.61
CIRCLE 99733 $2,794.05
TANANA 99777 $2,792.81
CANTWELL 99729 $2,791.41
NENANA 99760 $2,789.17
POINT LAY 99759 $2,785.45
MINTO 99758 $2,784.76
CLARKS POINT 99569 $2,782.22
BETHEL 99559 $2,781.80
KASIGLUK 99609 $2,781.80
TUNTUTULIAK 99680 $2,781.80
NIGHTMUTE 99690 $2,781.80
ARCTIC VILLAGE 99722 $2,781.61
VENETIE 99781 $2,781.61
NUNAPITCHUK 99641 $2,780.70
TULUKSAK 99679 $2,780.70
NUIQSUT 99789 $2,779.85
NULATO 99765 $2,778.82
EKWOK 99580 $2,778.06
WAINWRIGHT 99782 $2,777.14
AKIAK 99552 $2,776.74
ANIAK 99557 $2,776.74
CROOKED CREEK 99575 $2,776.74
TOKSOOK BAY 99637 $2,776.74
TUNUNAK 99681 $2,776.74
LAKE MINCHUMINA 99757 $2,776.10
SAINT PAUL ISLAND 99660 $2,775.31
CHIGNIK LAKE 99548 $2,774.57
PORT HEIDEN 99549 $2,774.57
CHIGNIK LAGOON 99565 $2,774.57
EGEGIK 99579 $2,774.57
PERRYVILLE 99648 $2,774.57
RUBY 99768 $2,773.31
ATQASUK 99791 $2,773.31
ANVIK 99558 $2,773.22
HUGHES 99745 $2,773.22
STEVENS VILLAGE 99774 $2,773.22
TRAPPER CREEK 99683 $2,773.04
ALEKNAGIK 99555 $2,772.87
SOUTH NAKNEK 99670 $2,772.79
FALSE PASS 99583 $2,772.52
PILOT POINT 99649 $2,772.50
ADAK 99546 $2,772.23
MANOKOTAK 99628 $2,771.83
NEW STUYAHOK 99636 $2,771.83
GRAYLING 99590 $2,771.15
SHAGELUK 99665 $2,771.15
BEAVER 99724 $2,771.15
HUSLIA 99746 $2,771.15
DILLINGHAM 99576 $2,770.80
TOGIAK 99678 $2,770.80
CLEAR 99704 $2,770.55
NIKOLAI 99691 $2,770.51
ATKA 99547 $2,770.44
ALLAKAKET 99720 $2,770.11
COLD BAY 99571 $2,769.72
KAKTOVIK 99747 $2,768.66
AKUTAN 99553 $2,768.36
NIKOLSKI 99638 $2,768.36
CHEFORNAK 99561 $2,768.35
EEK 99578 $2,768.35
GOODNEWS BAY 99589 $2,768.35
KIPNUK 99614 $2,768.35
PLATINUM 99651 $2,768.35
RED DEVIL 99656 $2,768.35
KALTAG 99748 $2,768.35
CHIGNIK 99564 $2,768.34
MANLEY HOT SPRINGS 99756 $2,768.06
KING SALMON 99613 $2,767.91
HOLY CROSS 99602 $2,767.62
RAMPART 99767 $2,767.62
KWIGILLINGOK 99622 $2,766.81
SAINT GEORGE ISLAND 99591 $2,766.60
ILIAMNA 99606 $2,766.27
LEVELOCK 99625 $2,766.27
NONDALTON 99640 $2,766.27
PEDRO BAY 99647 $2,766.27
PORT ALSWORTH 99653 $2,766.27
ALAKANUK 99554 $2,765.86
CHEVAK 99563 $2,765.86
EMMONAK 99581 $2,765.86
MARSHALL 99585 $2,765.86
RUSSIAN MISSION 99657 $2,765.86
SCAMMON BAY 99662 $2,765.86
KIVALINA 99750 $2,765.86
KOBUK 99751 $2,765.86
NOATAK 99761 $2,765.86
POINT HOPE 99766 $2,765.86
SELAWIK 99770 $2,765.86
SHUNGNAK 99773 $2,765.86
KWETHLUK 99621 $2,765.55
MEKORYUK 99630 $2,765.55
NAPAKIAK 99634 $2,765.55
SLEETMUTE 99668 $2,765.55
MC GRATH 99627 $2,765.27
TAKOTNA 99675 $2,765.27
KOTLIK 99620 $2,763.78
MOUNTAIN VILLAGE 99632 $2,763.78
NUNAM IQUA 99666 $2,763.78
NOORVIK 99763 $2,763.78
SKWENTNA 99667 $2,763.76
SAINT MARYS 99658 $2,763.47
LOWER KALSKAG 99626 $2,762.74
PILOT STATION 99650 $2,762.74
BUCKLAND 99727 $2,762.74
DEERING 99736 $2,762.74
ANAKTUVUK PASS 99721 $2,761.70
KIANA 99749 $2,761.70
AMBLER 99786 $2,761.70
GALENA 99741 $2,761.39
SAND POINT 99661 $2,761.00
KING COVE 99612 $2,760.52
HOOPER BAY 99604 $2,759.63
KOTZEBUE 99752 $2,757.55
AKIACHAK 99551 $2,757.14
UNALAKLEET 99684 $2,755.14
GAMBELL 99742 $2,755.14
SAVOONGA 99769 $2,755.14
SHISHMAREF 99772 $2,755.14
SAINT MICHAEL 99659 $2,754.67
STEBBINS 99671 $2,754.67
KALSKAG 99607 $2,754.35
QUINHAGAK 99655 $2,754.35
KOYUKUK 99754 $2,753.07
SHAKTOOLIK 99771 $2,753.07
WHITE MOUNTAIN 99784 $2,752.03
TELLER 99778 $2,751.55
NAKNEK 99633 $2,750.95
ELIM 99739 $2,749.95
TALKEETNA 99676 $2,748.05
UNALASKA 99685 $2,747.41
KOYUK 99753 $2,746.84
NOME 99762 $2,746.84
WALES 99783 $2,746.84
BREVIG MISSION 99785 $2,746.84
CENTRAL 99730 $2,746.75
DUTCH HARBOR 99692 $2,744.61
HOMER 99603 $2,737.91
SELDOVIA 99663 $2,737.91
ANCHOR POINT 99556 $2,730.16
CORDOVA 99574 $2,729.94
TATITLEK 99677 $2,729.94
SEWARD 99664 $2,723.28
VALDEZ 99686 $2,721.92
CLAM GULCH 99568 $2,714.65
NINILCHIK 99639 $2,710.25
COOPER LANDING 99572 $2,709.97
KASILOF 99610 $2,709.61
HOPE 99605 $2,706.57
MOOSE PASS 99631 $2,706.57
KONGIGANAK 99545 $2,699.37
STERLING 99672 $2,697.41
KENAI 99611 $2,691.18
SOLDOTNA 99669 $2,682.68
PORT LIONS 99550 $2,529.87
KARLUK 99608 $2,529.87
KODIAK 99615 $2,529.87
LARSEN BAY 99624 $2,529.87
OLD HARBOR 99643 $2,529.87
OUZINKIE 99644 $2,529.87
METLAKATLA 99926 $2,490.80
KLAWOCK 99925 $2,490.45
CRAIG 99921 $2,484.84
YAKUTAT 99689 $2,473.28
MEYERS CHUCK 99903 $2,472.61
WRANGELL 99929 $2,471.16
HYDER 99923 $2,468.39
HYDABURG 99922 $2,465.25
THORNE BAY 99919 $2,456.86
POINT BAKER 99927 $2,455.82
KETCHIKAN 99901 $2,438.02
COFFMAN COVE 99918 $2,438.02
WARD COVE 99928 $2,438.02
JUNEAU 99801 $2,391.42
JUNEAU 99811 $2,391.42
AUKE BAY 99821 $2,391.42
SITKA 99835 $2,371.90
PORT ALEXANDER 99836 $2,371.90
ELFIN COVE 99825 $2,370.52
SKAGWAY 99840 $2,370.50
HAINES 99827 $2,357.96
GUSTAVUS 99826 $2,355.81
DOUGLAS 99824 $2,351.46
PETERSBURG 99833 $2,351.30
KAKE 99830 $2,348.31
PELICAN 99832 $2,348.31
TENAKEE SPRINGS 99841 $2,348.31
HOONAH 99829 $2,348.11
ANGOON 99820 $2,335.97

Best Alaska Car Insurance Companies

You know in order to drive in Alaska, you must have insurance. Now, we are going to take a look at the insurance companies available in Alaska.

Finding the right company can be difficult, but we are going to take the stress out of shopping. We are going to breakdown the best, and worst, companies available in Alaska. Which ones are the biggest or have the best rates? Find out below.

– The Largest Companies Financial Rating

AM Best is a credit rating company that looks at the financial strengths of an insurance company. They look at the ongoing activity of the company and determine their ability to pay out claims.

Company Name AM Best Rating Direct Premiums Written Loss Ratio Market Share
State Farm Group A++ $133,816 77.95% 28.55%
USAA Group A++ $83,687 68.67% 17.86%
Geico A++ $82,637 68.23% 17.63%
Allstate Insurance Group A+ $59,507 45.56% 12.70%
Progressive Group A+ $50,922 67.86% 10.86%
Liberty Mutual Group A $16,337 63.73% 3.49%
Country Insurance & Financial Service Group A+ $14,042 65.14% 3.00%
Hartford Fire & Casualty Group A $10,332 66.49% 2.20%
Tiptree Financial Group NR $4,938 20.10% 1.05%
Horace Mann Group NR $4,748 67.08% 1.01%
State Total $468,681 67.54% 100.00%

Companies with Most Complaints in Alaska

All companies will have some type of complaint filed against them. We are going to look at the top 10 writing companies in Alaska.

Top Providers of Car Insurance in Alaska Company Complaint Ratio 2017 Total Complaints 2017
State Farm Group 0.44 1,482
Allstate Insurance Group 0.5 163
Progressive Group 0.75 120
Country Insurance and Financial Service Group 0.44 15
Horace Mann Group 0.79 11
Hartford Fire and Casualty Group 4.68 9
Geico .007 6
Liberty Mutual Group .007 6
Tiptree Financial Group 0.55 2
USSA Group 0 2

Cheapest Companies in Alaska

Where can I get good coverage for cheap? That is usually the first question asked by many looking for insurance rates.

Company Average Compared to State Average Percentage Compared to State Average
Allstate F&C $3,145.31 $391 12.44%
Geico General $2,879.95 $126 4.37%
Progressive Direct $3,062.85 $309 10.08%
State Farm Mutual Auto $2,228.12 -$526 -23.61%
USAA $2,454.20 -$300 -12.22%

We took five companies and compared their rates with the state average.

– Commute Rates by Companies

Some people drive a long way to get to work. Let’s look and see just how much that commuting will change your insurance rate.

Company Commute and Annual Mileage Annual Average Cost
Allstate 25 miles commute. 12000 annual mileage. $3,207
Allstate 10 miles commute. 6000 annual mileage. $3,084
Progressive 10 miles commute. 6000 annual mileage. $3,063
Progressive 25 miles commute. 12000 annual mileage. $3,063
Geico 25 miles commute. 12000 annual mileage. $2,916
Geico 10 miles commute. 6000 annual mileage. $2,843
USAA 25 miles commute. 12000 annual mileage. $2,496
USAA 10 miles commute. 6000 annual mileage. $2,412
State Farm 25 miles commute. 12000 annual mileage. $2,289
State Farm 10 miles commute. 6000 annual mileage. $2,167

A longer commute can cost you in your premium, but remember, based on the above table, your rates will not see a drastic increase with a longer commute.

– Coverage Level Rates by Companies

Sometimes you may sacrifice coverage due to price. It is always a good idea to have your insurance agent quote out higher coverage. You may be pleasantly surprised at how much a higher coverage may cost.

Group Coverage Type Annual Average
Liberty Mutual High $5,558
Liberty Mutual Medium $5,267
Liberty Mutual Low $5,051
Progressive High $4,463
Farmers High $4,460
State Farm High $4,325
Farmers Medium $4,123
State Farm Medium $4,089
Progressive Medium $4,039
Farmers Low $3,947
State Farm Low $3,896
Travelers High $3,804
Travelers Medium $3,770
Progressive Low $3,722
Travelers Low $3,515
Allstate High $3,386
Allstate Medium $3,244
Allstate Low $3,164
Geico High $3,065
Geico Medium $2,848
Nationwide High $2,693
Geico Low $2,692
Nationwide Low $2,644
Nationwide Medium $2,633
USAA High $2,294
USAA Medium $2,198
USAA Low $2,146

– Credit History Rates by Companies

Credit history isn’t only used for making purchases like a home or cars. Insurance carriers also look at your credit history when calculating your insurance rate. Just like someone purchasing insurance wants to make sure their company is financially stable, the carrier wants to make sure the client can pay their premiums as well.

Company Credit History Annual Average
Allstate Poor $3,718
Progressive Poor $3,344
USAA Poor $3,342
Geico Poor $3,273
State Farm Poor $3,083
Progressive Fair $2,992
Allstate Fair $2,961
Progressive Good $2,852
Geico Fair $2,845
Allstate Good $2,757
Geico Good $2,522
USAA Fair $2,189
State Farm Fair $1,993
USAA Good $1,832
State Farm Good $1,609

Your credit history definitely makes a big impact on your insurance rates.

– Driving Record Rates by Companies

As to be expected, your driving record is going to make a huge impact on your insurance rates. Just how much is that speeding ticket going to cost you? Take a look below and see how much a company will rate traffic violations.

Group Driving Record Annual Average
Geico With 1 DUI $4,320
Allstate With 1 DUI $3,542
Allstate With 1 accident $3,541
Progressive With 1 accident $3,513
USAA With 1 DUI $3,232
Progressive With 1 speeding violation $3,087
Geico With 1 accident $3,044
Allstate With 1 speeding violation $2,988
Progressive With 1 DUI $2,911
Progressive Clean record $2,741
Allstate Clean record $2,511
USAA With 1 accident $2,474
State Farm With 1 accident $2,425
State Farm With 1 DUI $2,228
State Farm With 1 speeding violation $2,228
USAA With 1 speeding violation $2,183
Geico With 1 speeding violation $2,096
Geico Clean record $2,059
State Farm Clean record $2,031
USAA Clean record $1,928

Of course, a clean record is going to get you the best rate. A DUI can carry a hefty increase in your premium. We will discuss later some other ramifications of getting a DUI in Alaska.

– Number of Insurers by State

How many insurers are available to Alaska drivers?

Number of Licensed Insurers in Alaska
   
Domestic Foreign Total Number of Licensed Insurers
4 397 401

The answer is quite a few. You may be wondering what the difference is between domestic and foreign. Domestic means the insurance company was formed in Alaska, while foreign means the insurer was founded and formed in a different state.

Alaska State Laws

We have discussed insurance companies, now we are going to hit on the laws governing you as a driver. Laws and regulation can vary from state to state, so if you are new to Alaska, it is confusing to know how you should handle registration and different rules of the road. Don’t worry. We are going to break down some important Alaska laws.

We are going to cover registration, vehicle licensing laws, and much more.

– Car Insurance Laws

As mentioned earlier, every driver with a registered car must have minimum liability insurance. Every driver must have the insurance and be able to show proof when pulled over or receiving a traffic citation.

– Windshield Coverage

Driving on the backroads of Alaska, the chances of a rock flying up and cracking your windshield is pretty high. While Alaska does not have any specific laws on windshield repair, many insurance companies offer windshield coverage if you add comprehension coverage to your policy.

– High-Risk Insurance

In some cases, after a series of traffic violations or a DUI, the state may ask for SR-22 insurance. If your license has been suspended or revoked, you may need proof of SR-22 filing to reinstate. Most companies will have a fee for filing this type of insurance with the state, the biggest price will come from having to carry high-risk insurance.

– Low-Cost Insurance

Currently, Alaska does not offer a low-cost insurance program. The best way to get the lowest rate is to have a clean record and shop your insurance to find the best rate for you.

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– Automobile Insurance Fraud in Alaska

As in most states, insurance fraud is a crime in Alaska. Fraud can be committed by several different parties. The applicant can provide false information or claim an accident that never happened. A third party can even make a bigger claim by submitting more things than necessary.

Committing fraud can lead to a punishment of fines, jail time, and probation.

– Statute of Limitations

Statute of limitations is the time frame allowed to turn in a claim. Once you have your accident, your time starts. If you wait past the allotted time frame, you can no longer file the claim.

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

– Vehicle Licensing Laws

In 2005, Congress passed the Real ID Act. This act sets certain standards on issuing driver’s licenses. If your state does not comply with this act, federal agencies do not have to accept your driver’s license as a proper form of proof of identity.

Alaska does comply with the Real ID Act.

– Penalties for Driving Without Insurance 

Since it is state law to have insurance while driving your registered vehicles, there are penalties for disobeying this law.

Penalties for Driving Without Insurance in Alaska
 
1st Offense -License suspension for 90 days
2nd Offense -License suspension for one year

The penalties are very strict, no fines and straight to license suspension.

In the event of an accident or you are pulled over, you must have proof of insurance in your vehicle. Proof includes a copy of your current insurance policy or valid insurance cards.

– Teen Driver Laws

Teens cost their parents a substantial amount in insurance premiums. Parents in Alaska have an even longer time of listing teens on their insurance. This is due to the fact that teens can get their learners license as early as 14 years old.

Alaska does require teenagers to go through requirements before obtaining their license.

Requirements for Getting a License in Alaska
 
Mandatory Holding Period 6 months
Minimum Supervised Driving Time 40 hours (10 of which must be at night or in inclement weather)
Minimum Age 16-years-old

They do have restrictions on night driving and passengers in the vehicle.

Restrictions for Restricted Licenses in Alaska
 
Nighttime restrictions 1 a.m. to 5 a.m.
Passenger restrictions (family members excepted unless noted otherwise) no passengers younger than 21-years-old
Minimum age at which restrictions may be lifted:
Nighttime restrictions -6 months or until age 18 (minimum age: 16 and 6 months)
Passenger restrictions -6 months or until age 18 (minimum age: 16 and 6 months)

– Older Driver License Renewal Procedures 

The renewal process is slightly different for drivers 69 years old and older. Renewal is every five years for all drivers, but for the older population, you must go to DMV every five years and forgo the option of online renewal. You must also show proof of adequate vision.

– New Residents

If you are new to Alaska, welcome! You now have 10 days to register your vehicle. You must register your vehicle by showing out-of-state registration, title, and registration application.

– License Renewal Procedures 

As a resident of Alaska, you must renew your license every five years. You may submit renewal online or mail every other renewal period. Every time you go to DMV to renew, you must show proof of adequate vision.

– Negligent Operator 

Being a negligent driver in Alaska can add six points your driving record and possible fines. Being negligent or reckless can endanger others around you and yourself. Remember, a poor driving record also means much higher insurance rates.

– Rules of the Road

Next, let’s discuss the rules of the road. Knowing the laws can keep you safe and out of trouble. We are going to breakdown several major rules including seat belts and speed limits.

– Fault vs. No-Fault

Alaska is an at-fault system for paying for claims. This means that whoever is at fault for the accident, it will be their insurance that will pay out up to policy limits for the claim.

– Seat Belt and Car Seat Laws

Seat belts and car seats for the safety of all passengers in the vehicle. To keep safe and avoid fines, you must follow the below laws.

Seat Belt Laws in Alaska
 
Effective Since September 12, 1990
Primary Enforcement Yes; effective since May 1, 2006
Age/Seats Applicable 16+ years old in front seat
1st Offense Max Fine $15 plus fees
 

Car seat laws are very important for the safety of children. Below is an easy chart to remember where in the vehicle a child should sit and how a child should be restrained.

Alaska Car Seat Requirements
 
Type of Car Seat Required Age
Rear-Facing Child Restraint Younger than one-year-old or less than 20 pounds
Forward-Facing Child Restraint One to three years old and more than 20 pounds
Child Booster Seat Four through 15 years who are either shorter than 57 inches or who weigh more than 20 but less than 65 pounds
Adult Belt Permissible Four through 7 years who are at least 57 inches or 65+ pounds; 7 through 15 who are shorter than 57 inches or weigh less than 65 pounds

– Keep Right and Move Over Laws 

Keep right and move over laws are pretty simple in Alaska. If you are driving slower than the speed limit you are to keep right.

To keep police officers, emergency vehicles, and other vehicles safe, you should always move over to furthest lane from safety vehicles or anyone parked on the side of the road.

– Speed Limits 

Speed limits are set in place to keep everyone on the road safe. You should always keep an eye out for posted speed limit signs. Below, we have a chart of speed limits for certain roads.

Alaska Speed Limits
 
Type of Roadway Speed Limit
Rural Interstates 65 mph
Urban Interstates 55 mph
Other Limited Access Roads 65 mph
Other Roads 55 mph

– Ridesharing 

Ridesharing has become a popular way of commuting. If you are interested in driving for Uber or another ridesharing company, you need to contact your current insurance carrier and verify there are no gaps in your coverage. Doing this will protect you and the rider in your vehicle.

– Automation on the Road 

Automation is no longer a thing of the future. Cars driving themselves is now a reality. Alaska does not have any law regarding automated cars on the road.

– Safety Laws

Being safe on the road is a huge deal. Knowing the punishment for drinking and driving may make drivers think twice about getting behind the wheel of a car after a few drinks.

DUI Law in Alaska  
Name for Offense Driving under the influence (DUI) or Operating Under the Influence (OUI)
BAC Limit 0.08
High BAC Limit NA
Criminal Status 1st to 3rd offenses are class A misdemeanors; 3rd+ in 10 years is a class C felony
Look Back Period 15 years

Below are tables showing penalties for driving under the influence.

DUI - 1st Offense
 
License Revoked 90 days
Jail Time Mandatory minimum is 72 consecutive hours
Fine $1,500 minimum +$200 license reinstatement fee
Other -SR-22 liability insurance required for 5 years
-Possible attendance at ASAP endorsed treatment program
-Mandatory interlock 1 year
DUI - 2nd Offense
 
License Revoked 1 year
Jail Time Mandatory 20 day minimum
Fine $3,000 minimum +$500 license reinstatement fee
Other -SR-22 liability insurance required for 10 years
-Mandatory interlock 2 years
DUI - 3rd Offense
 
License Revoked 3 years
Jail Time Mandatory 60 day minimum
Fine $4,000 minimum
Other -SR-22 liability insurance required for 20 years
-3 year interlock
DUI - 4th Offense
 
License Revoked 5 years
Jail Time Mandatory 120 days minimum
Fine $10,000 minimum
Other -SR-22 liability insurance required for life
-3 year interlock if licensed restored

– Marijuana-Impaired Driving Laws 

Alaska does not have any specified laws regarding driving under the influence of marijuana. You can still be charged with impaired driving if you are pulled over and under the influence of marijuana.

– Distracted Driving Laws 

Everyone nowadays seems to have a smartphone. It is easy to think you can respond to a quick text message without hurting anyone. Unfortunately, that is not true. Looking away for mere seconds can still take a life or cause serious injury.

Hand-held ban Young driver cell phone ban Texting ban Enforcement
no no all drivers primary

Texting is banned for all drivers. So before you pick up your phone to text, think again and wait until your car is parked.

Driving in Alaska

We have covered insurance companies, Alaska law, and the rules of the road. We all know safety is very important to avoid accidents and fatalities. This next section we are going to cover car theft, fatalities, and traffic.

Protect yourself, know the high-risk cars and be diligent on the roads.

– Vehicle Theft in Alaska

Some cars are more susceptible than others to be stolen.

Top Ten Stolen Vehicles in Alaska    
Vehicle Make and Model Year Total Stolen
Chevrolet Pickup (Full Size) 2003 147
Ford Pickup (Full Size) 2004 95
GMC Pickup (Full Size) 1997 58
Honda Civic 2000 56
Honda Accord 1993 46
Dodge Pickup (Full Size) 1998 44
Ford Explorer 1994 31
Jeep Cherokee/Grand Cherokee 1999 28
Ford Pickup (Small Size) 2000 22
Chevrolet Pickup (Small Size) 1998 20

We have also taken information from the FBI listing thefts by city.

Vehicle Theft by City In Alaska  
City Motor
Vehicle
Theft
Anchorage 869
Bethel 45
Bristol Bay Borough 6
Cordova 2
Craig 1
Dillingham 12
Fairbanks 103
Haines 2
Homer 10
Juneau 36
Kenai 18
Ketchikan 6
Kodiak 19
Kotzebue 33
Nome 6
North Pole 6
North Slope Borough 15
Palmer 5
Petersburg 3
Seward 5
Sitka 12
Skagway 0
Soldotna 8
Unalaska 5
Valdez 4
Wasilla 43
Wrangell 1

– Road Fatalities in Alaska

Sadly, accidents happen and fatalities occur. We are going to take a look at how and when most of the accidents happen. We are also going to look at EMS response times to accidents.

First, let’s take a look at fatalities. Where do they happen?

Traffic Fatalities in Alaska by Road Type                    
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Rural 48 38 33 46 39 33 42 33 53 45
Urban 14 26 23 26 20 18 31 31 30 33
Unknown 0 0 0 0 0 0 0 1 1 1
Total 62 64 56 72 59 51 73 65 84 79

They occur more on rural roads than urban. Next, let’s see what type of crash is occurring.

Alaska Fatalities by Crash Type
         
Crash Type 2013 2014 2015 2016 2017
Total Fatalities (All Crashes) 51 73 65 84 79
- (1) Single Vehicle 33 41 41 57 51
- (2) Involving a Large Truck 4 5 1 4 5
- (3) Involving Speeding 22 18 22 36 26
- (4) Involving a Rollover 17 21 15 33 20
- (5) Involving a Roadway Departure 32 43 36 64 48
- (6) Involving an Intersection (or Intersection Related) 8 15 14 13 18

As you can see single-vehicle crashes and vehicles departing from roadways are the highest type of crash happening on Alaska roadways. Now we are going to look at the who part of the equation. Person type is going to look at the type of vehicle and if they were an occupant or pedestrian.

Alaska Traffic Deaths by Person Type
         
2013 2014 2015 2016 2017
Passenger Car Occupants 10 19 8 16 22
Light Pickup Truck Occupants 6 14 14 18 13
Light Utility Truck Occupants 11 7 9 18 11
Large Truck Occupants 2 1 0 2 0
Other/Unknown Occupants 6 4 5 5 8
Van Occupants 0 2 6 6 2
Bus Occupants 0 1 0 0 0
Motorcyclists 9 8 11 6 6
Pedestrians 6 14 12 12 14
Bicyclists and Other Cyclists 1 3 0 1 1
Other/Unknown Non-occupants 0 0 0 0 2
State Total 51 73 65 84 79

Now we are going to break down these statistics by county.

5 year Trend for the Top 10 Counties in Alaska          
County Name 2013 2014 2015 2016 2017
Anchorage Borough 17 25 26 21 18
Matanuska-Susitna Borough 11 14 15 20 21
Fairbanks North Star Borough 7 11 9 8 12
Kenai Peninsula Borough 4 6 6 11 6
Denali Borough 1 4 0 1 4
Bethel Census Area 1 1 2 1 4
Yukon-Koyukuk Census Area 1 1 1 3 1
Southeast Fairbanks Census Area 2 2 1 4 1
Valdez-Cordova Census Area 2 1 0 4 0
Wade Hampton Census Area 1 2 2 0 1

Most fatalities occur from not obeying state laws and regulations regarding speeding and operating a vehicle under the influence of alcohol. The next two tables will show fatalities from speeding and alcohol-impaired driving.

Speeding Deaths by County in Alaska          
County Name 2013 2014 2015 2016 2017
Aleutians East Borough 0 0 0 0 0
Aleutians West Census Area 0 0 0 3 0
Anchorage Borough 8 3 5 4 3
Bethel Census Area 1 0 0 1 3
Bristol Bay Borough 0 0 0 0 0
Denali Borough 1 3 0 0 2
Dillingham Census Area 1 0 0 0 0
Fairbanks North Star Borough 3 5 3 7 5
Haines Borough 0 0 0 0 0
Juneau Borough 0 1 0 0 0
Kenai Peninsula Borough 2 2 0 5 4
Ketchikan Gateway Borough 0 0 0 1 0
Kodiak Island Borough 0 0 0 0 0
Lake And Peninsula Borough 0 0 0 0 0
Matanuska-Susitna Borough 5 2 11 7 4
Nome Census Area 0 0 0 0 3
North Slope Borough 0 0 0 1 0
Northwest Arctic Borough 0 0 0 0 0
Prince Of Wales-Outer Ketchikan Census
Area 0 0 0 0 1
Sitka Borough 0 0 0 0 0
Skagway-Hoonah-Angoon Census Area 0 0 0 1 0
Skagway-Yakutat-Angoon Census Area 0 0 0 0 0
Southeast Fairbanks Census Area 0 1 0 3 0
Valdez-Cordova Census Area 0 0 0 3 0
Wade Hampton Census Area 0 1 2 0 1
Wrangell-Petersburg Census Area 0 0 0 0 0
Yakutat Borough 0 0 0 0 0
Yukon-Koyukuk Census Area 1 0 1 0 0
Alaska Drunk Driving Deaths by County          
County Name 2013 2014 2015 2016 2017
Aleutians East Borough 0 0 0 0 0
Aleutians West Census Area 0 0 1 3 0
Anchorage Borough 5 7 7 5 5
Bethel Census Area 1 0 1 1 2
Bristol Bay Borough 0 0 0 0 0
Denali Borough 1 1 0 0 1
Dillingham Census Area 1 0 0 0 0
Fairbanks North Star Borough 2 3 4 3 1
Haines Borough 0 0 0 0 0
Juneau Borough 0 1 0 0 1
Kenai Peninsula Borough 1 2 1 3 0
Ketchikan Gateway Borough 0 0 0 1 0
Kodiak Island Borough 1 0 0 0 0
Lake And Peninsula Borough 0 0 0 0 0
Matanuska-Susitna Borough 2 3 5 8 6
Nome Census Area 0 1 0 0 4
North Slope Borough 0 0 0 1 0
Northwest Arctic Borough 0 0 0 0 0
Prince Of Wales-Outer Ketchikan Census Area 0 0 0 0 1
Sitka Borough 0 0 0 0 0
Skagway-Hoonah-Angoon Census Area 0 0 0 1 0
Skagway-Yakutat-Angoon Census Area 0 0 0 0 0
Southeast Fairbanks Census Area 1 0 0 2 0
Valdez-Cordova Census Area 1 1 0 2 0
Wade Hampton Census Area 0 2 2 0 1
Wrangell-Petersburg Census Area 0 0 0 0 0
Yakutat Borough 0 0 0 0 0
Yukon-Koyukuk Census Area 0 0 1 0 0

Alaska has a zero tolerance for underage drinking. This means that no underage driver can have ANY amount of alcohol. Serious consequences can arise from driving underage from fines to revocation of your license.

EMS response time is an important aspect of traffic fatalities. We are going to take a look at EMS response times and how fast you can get to a hospital to care for your injuries.

– EMS Response Time

Response times are very good in Alaska. From the time of the accident, you can be at a hospital being treated for injuries in less than fifty minutes.

Location of Incident Time of Crash to EMS Notification EMS Notification to EMS Arrival EMS Arrival at Scene to Hospital Arrival Time of Crash to Hospital Arrival Total Fatalities in Crashes
Rural 2.91 min 13.16 min 39.33 min 48.59 min 47
Urban 0.84 min 6.18 min 22.00 min 28.83 min 30

– Transportation

Most Alaska residents own more than one car. The majority own two to three.

How much time do you spend commuting each workday? The average worker spends less than 20 minutes commuting.

The 20 minutes commuting is usually done in peace and quiet. Most Alaska drivers are commuting alone to work.

Traffic congestion does not seem to be a huge problem in Alaska. Below is a humorous video of what may be causing your traffic jam in Anchorage.

We hope this information has been very helpful for you as you navigate your insurance needs living in Alaska. We know you would rather be taking in the beautiful scenery of your great state and not sitting behind a computer trying to figure out your insurance. Click here for a free quote.

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