Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 21, 2022

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Alaska Statistics Summary
Road Miles 2015
Total in State: 16,129
Vehicle Miles Driven: 5,045 Million
Vehicles 2015Registered: 783,169
Total Stolen: 2,046
State Population737,438
Most Popular VehicleF150
Percentage of Motorists Uninsured15.40%
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
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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

How to get Alaska auto 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.

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What’s Alaska’s car culture like?

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.

What are Alaska’s minimum coverage requirements?

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

Bodily Injury per Person$50,000
Bodily Injury per Accident$100,000
Property Damage$25,000
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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 auto insurance coverage.

What’s the form 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.

The cost of minimum coverage varies from state to state.

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What percentage of income are premiums?

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?

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Percentage of income is down from 2013 and 2012.

What are the average monthly auto insurance rates in AK (liability, collision, comprehensive)

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

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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 video 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.

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Coverage TypeAnnual Costs (2015)
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Is there an 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 201320142015
Medical Payments (MedPay)78%81%83%
Uninsured/Underinsured Motorist Coverage (UUM)46%53%50%
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Are there any add-ons, endorsements, and riders?

Below is a list of some of the more common endorsements you can add on your auto 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.

What are the average car insurance rates by age & gender in AK?

Two of the many factors that go into your insurance premium rate are age and gender. Gender can play a slight role in your rate. Some companies do not even change their rate on gender, while for 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.

CompanyMarried 35-year-old female annual rateMarried 35-year-old male annual rateMarried 60-year-old female annual rateMarried 60-year-old male annual rateSingle 17-year-old female annual rateSingle 17-year-old male annual rateSingle 25-year-old female annual rateSingle 25-year-old male annual rate
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
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What are the cheapest car insurance 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.

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Most Expensive AK Zip CodesAverage Annual RateLeast Expensive AK Zip CodesAverage Annual Rate
Anchorage 99504$3,132.74Meyers Chuck 9990399903
Chugiak 99567$3,124.36Wrangell 99929$2,471.16
Eagle River 99577$3,111.36Hyder 99923$2,468.39
Anchorage 99508$3,101.13Hydaburgh 99922$2,465.25
Palmer 99645$3,091.71Thorne Bay 99919$2,456.86
Anchorage 99502$3,086.19Point Baker 99927$2,455.82
Anchorage 99507$3,083.15Ketchikan 99901$2,438.02
Anchorage 99518$3,080.49Coffman Cove 99918$2,438.02
Anchorage 99503$3,074.51Ward Cove 99928$2,438.02
Anchorage 99599$3,074.51Juneau 99801$2,391.42
Anchorage 99501$3,074.22Juneau 99811$2,391.42
Anchorage 99513$3,074.22Auke Bay 99821$2,391.42
Anchorage 99529$3,074.22Sitka 99835$2,371.90
Big Lake 99652$3,072.96Port Alexander 99836$2,371.90
Wasilla 99654$3,072.96Elfin Cove 99825$2,370.52
Anchorage 99515$3,072.50Skagway 99840$2,370.50
Anchorage 99517$3,068.87Haines 99827$2,357.96
Anchorage 99530$3,068.87Gustavas 99826$2,355.81
Sutton 99674$3,060.28Douglas 99824$2,351.46
Anchorage 99516$3,056.41Petersburg 99833$2,351.30
Indian 99540$3,026.69Kake 99830$2,348.31
Jber 99505$3,012.68Pelican 99832$2,348.31
Jber 99506$2,988.70Tenakee Springs 99841$2,348.31
Willow 99688$2,957.31Hoonah 99829$2,348.11
Houston 99694$2,957.31Angoon 99820$2,335.97
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What are the 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 Zip CodesAverage Annual Rate
CHIGNIK LAKE99548$2,774.57
PORT HEIDEN99549$2,774.57
PORT LIONS99550$2,529.87
ANCHOR POINT99556$2,730.16
CHIGNIK LAGOON99565$2,774.57
CLAM GULCH99568$2,714.65
CLARKS POINT99569$2,782.22
COLD BAY99571$2,769.72
COOPER LANDING99572$2,709.97
COPPER CENTER99573$2,803.40
CROOKED CREEK99575$2,776.74
EAGLE RIVER99577$3,111.36
FALSE PASS99583$2,772.52
GOODNEWS BAY99589$2,768.35
HOLY CROSS99602$2,767.62
HOOPER BAY99604$2,759.63
KING COVE99612$2,760.52
KING SALMON99613$2,767.91
LARSEN BAY99624$2,529.87
LOWER KALSKAG99626$2,762.74
MC GRATH99627$2,765.27
MOOSE PASS99631$2,706.57
MOUNTAIN VILLAGE99632$2,763.78
NEW STUYAHOK99636$2,771.83
TOKSOOK BAY99637$2,776.74
OLD HARBOR99643$2,529.87
PEDRO BAY99647$2,766.27
PILOT POINT99649$2,772.50
PILOT STATION99650$2,762.74
BIG LAKE99652$3,072.96
PORT ALSWORTH99653$2,766.27
RED DEVIL99656$2,768.35
RUSSIAN MISSION99657$2,765.86
SAINT MARYS99658$2,763.47
SAINT MICHAEL99659$2,754.67
SAINT PAUL ISLAND99660$2,775.31
SAND POINT99661$2,761.00
SCAMMON BAY99662$2,765.86
NUNAM IQUA99666$2,763.78
SOUTH NAKNEK99670$2,772.79
TRAPPER CREEK99683$2,773.04
DUTCH HARBOR99692$2,744.61
EIELSON AFB99702$2,812.87
FORT WAINWRIGHT99703$2,876.16
NORTH POLE99705$2,827.17
TWO RIVERS99716$2,848.08
ANAKTUVUK PASS99721$2,761.70
ARCTIC VILLAGE99722$2,781.61
BETTLES FIELD99726$2,795.61
FORT GREELY99731$2,824.49
DELTA JUNCTION99737$2,824.49
FORT YUKON99740$2,795.61
MANLEY HOT SPRINGS99756$2,768.06
LAKE MINCHUMINA99757$2,776.10
POINT LAY99759$2,785.45
POINT HOPE99766$2,765.86
STEVENS VILLAGE99774$2,773.22
WHITE MOUNTAIN99784$2,752.03
BREVIG MISSION99785$2,746.84
AUKE BAY99821$2,391.42
ELFIN COVE99825$2,370.52
PORT ALEXANDER99836$2,371.90
TENAKEE SPRINGS99841$2,348.31
MEYERS CHUCK99903$2,472.61
COFFMAN COVE99918$2,438.02
THORNE BAY99919$2,456.86
POINT BAKER99927$2,455.82
WARD COVE99928$2,438.02
CityZip CodeAverage
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What are the 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.

What is the financial rating of the largest companies?

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.

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What are the largest car insurance companies in Alaska?

The chart below shows the largest car insurance companies in Alaska and their percentage of market share so you have an idea of how large they are.

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Company Name AM Best Rating Direct Premiums Written Loss RatioMarket Share
State Farm GroupA++$133,81677.95%28.55%
USAA GroupA++$83,68768.67%17.86%
Allstate Insurance GroupA+$59,50745.56%12.70%
Progressive GroupA+$50,92267.86%10.86%
Liberty Mutual GroupA$16,33763.73%3.49%
Country Insurance & Financial Service GroupA+$14,04265.14%3.00%
Hartford Fire & Casualty GroupA$10,33266.49%2.20%
Tiptree Financial GroupNR$4,93820.10%1.05%
Horace Mann GroupNR$4,74867.08%1.01%
State Total$468,68167.54%100.00%
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Which companies have the 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 AlaskaCompany Complaint Ratio 2017Total Complaints 2017
State Farm Group 0.441,482
Allstate Insurance Group 0.5163
Progressive Group 0.75120
Country Insurance and Financial Service Group 0.4415
Horace Mann Group 0.7911
Hartford Fire and Casualty Group 4.689
Liberty Mutual Group .0076
Tiptree Financial Group 0.552
USSA Group 02
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What are the 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.

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CompanyAverage Annual RateCompared to State AveragePercentage Compared to State Average
Allstate F&C$3,145.31$39112.44%
Geico General$2,879.95$1264.37%
Progressive Direct$3,062.85$30910.08%
State Farm Mutual Auto$2,228.12-$526-23.61%
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We took five companies and compared their rates with the state average.

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What are the 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
Allstate25 miles commute. 12000 annual mileage.$3,207
Allstate10 miles commute. 6000 annual mileage.$3,084
Progressive10 miles commute. 6000 annual mileage.$3,063
Progressive25 miles commute. 12000 annual mileage.$3,063
Geico25 miles commute. 12000 annual mileage.$2,916
Geico10 miles commute. 6000 annual mileage.$2,843
USAA25 miles commute. 12000 annual mileage.$2,496
USAA10 miles commute. 6000 annual mileage.$2,412
State Farm25 miles commute. 12000 annual mileage.$2,289
State Farm10 miles commute. 6000 annual mileage.$2,167
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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.

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What are the 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.

GroupCoverage TypeAverage Annual Rate
Liberty MutualHigh$5,558
Liberty MutualMedium$5,267
Liberty MutualLow$5,051
State FarmHigh$4,325
State FarmMedium$4,089
State FarmLow$3,896
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What are the 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 HistoryAverage Annual Rate
State FarmPoor$3,083
State FarmFair$1,993
State FarmGood$1,609
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Your credit history definitely makes a big impact on your insurance rates.

What are the 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.

GroupDriving RecordAverage Annual Rate
GeicoWith 1 DUI$4,320
AllstateWith 1 DUI$3,542
AllstateWith 1 accident$3,541
ProgressiveWith 1 accident$3,513
USAAWith 1 DUI$3,232
ProgressiveWith 1 speeding violation$3,087
GeicoWith 1 accident$3,044
AllstateWith 1 speeding violation$2,988
ProgressiveWith 1 DUI$2,911
ProgressiveClean record$2,741
AllstateClean record$2,511
USAAWith 1 accident$2,474
State FarmWith 1 accident$2,425
State FarmWith 1 DUI$2,228
State FarmWith 1 speeding violation$2,228
USAAWith 1 speeding violation$2,183
GeicoWith 1 speeding violation$2,096
GeicoClean record$2,059
State FarmClean record$2,031
USAAClean record$1,928
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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.

What is the number of insurers by state?

How many insurers are available to Alaska drivers?

Number of Licensed Insurers in Alaska
DomesticForeignTotal Number of Licensed Insurers
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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.

What are Alaska state laws?

We have discussed auto insurance companies, now we are going to hit on the laws governing you as a driver. Laws and regulations will 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.

What are the 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.

How to get 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 comprehensiveaut coverage to your policy.

How to get 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 insurance 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.

How to get 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 driving  record and shop your insurance to find the best rate for you.

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Is there an 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 or incomplete information or claim an accident that did not happen. 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.

What’s a statute of limitations?

The statute of limitations is the time frame in which a claim must be submitted and resolved. Once you have your accident, your time starts. If you wait past the allotted time frame, you can no longer collect on the claim.

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

What are the 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.

What are the 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
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The penalties are very strict, with 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.

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

Restrictions for Restricted Licenses in Alaska
Nighttime restrictions1 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)
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What are the license renewal procedures for older drivers?

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.

What is the procedure for 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.

What are the 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.

What is considered a 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.

What are the 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.

Is Alaska at fault or no-fault state?

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.

What are the 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 SinceSeptember 12, 1990
Primary EnforcementYes; effective since May 1, 2006
Age/Seats Applicable16+ years old in front seat
1st Offense Max Fine$15 plus fees
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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 RequiredAge
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 SeatFour 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
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What are the 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.

What’s the maximum speed limit?

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 RoadwaySpeed Limit
Rural Interstates65 mph
Urban Interstates55 mph
Other Limited Access Roads65 mph
Other Roads55 mph
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How does ridesharing work?

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.

Is there an 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.

What are the 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 AlaskaDetails
Name for Offense Driving under the influence (DUI) or Operating Under the Influence (OUI)
BAC Limit0.08
High BAC Limit NA
Criminal Status1st to 3rd offenses are class A misdemeanors; 3rd+ in 10 years is a class C felony
Look Back Period 15 years
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Below are tables showing penalties for driving under the influence.

DUI - 1st Offense
License Revoked90 days
Jail TimeMandatory 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
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DUI - 2nd Offense
License Revoked1 year
Jail TimeMandatory 20 day minimum
Fine$3,000 minimum +$500 license reinstatement fee
Other -SR-22 liability insurance required for 10 years
-Mandatory interlock 2 years
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DUI - 3rd Offense
License Revoked3 years
Jail TimeMandatory 60 day minimum
Fine$4,000 minimum
Other -SR-22 liability insurance required for 20 years
-3 year interlock
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DUI - 4th Offense
License Revoked5 years
Jail TimeMandatory 120 days minimum
Fine$10,000 minimum
Other -SR-22 liability insurance required for life
-3 year interlock if licensed restored
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What are the 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.

What are the 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 banYoung driver cell phone banTexting banEnforcement
nonoall driversprimary
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Texting is banned for all drivers. So before you pick up your phone to text, think again and wait until your car is parked.

What’s driving in Alaska like?

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.

Is there a vehicle theft in Alaska?

Some cars are more susceptible than others to be stolen.

Top Ten Stolen Vehicles in AlaskaYear of VehicleTotal Amount
Vehicle Make and ModelYearTotal Stolen
Chevrolet Pickup (Full Size)2003147
Ford Pickup (Full Size)200495
GMC Pickup (Full Size)199758
Honda Civic200056
Honda Accord199346
Dodge Pickup (Full Size)199844
Ford Explorer199431
Jeep Cherokee/Grand Cherokee199928
Ford Pickup (Small Size)200022
Chevrolet Pickup (Small Size)199820
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We have also taken information from the FBI listing thefts by city.

Vehicle Theft by City In Alaska Details
Bristol Bay Borough6
North Pole6
North Slope Borough15
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What’s the number of 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          
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They occur more on rural roads than urban. Next, let’s see what type of crash is occurring.

Alaska Fatalities by Crash Type
Crash Type20132014201520162017
Total Fatalities (All Crashes)5173658479
- (1) Single Vehicle3341415751
- (2) Involving a Large Truck45145
- (3) Involving Speeding2218223626
- (4) Involving a Rollover1721153320
- (5) Involving a Roadway Departure3243366448
- (6) Involving an Intersection (or Intersection Related)815141318
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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
Passenger Car Occupants101981622
Light Pickup Truck Occupants 614141813
Light Utility Truck Occupants11791811
Large Truck Occupants21020
Other/Unknown Occupants64558
Van Occupants02662
Bus Occupants01000
Bicyclists and Other Cyclists 13011
Other/Unknown Non-occupants00002
State Total5173658479
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Now we are going to break down these statistics by county.

5 year Trend for the Top 10 Counties in Alaska  Details  
County Name20132014201520162017
Anchorage Borough1725262118
Matanuska-Susitna Borough1114152021
Fairbanks North Star Borough7119812
Kenai Peninsula Borough466116
Denali Borough14014
Bethel Census Area11214
Yukon-Koyukuk Census Area11131
Southeast Fairbanks Census Area22141
Valdez-Cordova Census Area21040
Wade Hampton Census Area12201
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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  Details  
County Name20132014201520162017
Aleutians East Borough00000
Aleutians West Census Area00030
Anchorage Borough83543
Bethel Census Area10013
Bristol Bay Borough00000
Denali Borough13002
Dillingham Census Area10000
Fairbanks North Star Borough35375
Haines Borough00000
Juneau Borough01000
Kenai Peninsula Borough22054
Ketchikan Gateway Borough00010
Kodiak Island Borough00000
Lake And Peninsula Borough00000
Matanuska-Susitna Borough521174
Nome Census Area00003
North Slope Borough00010
Northwest Arctic Borough00000
Prince Of Wales-Outer Ketchikan Census
Sitka Borough00000
Skagway-Hoonah-Angoon Census Area00010
Skagway-Yakutat-Angoon Census Area00000
Southeast Fairbanks Census Area01030
Valdez-Cordova Census Area00030
Wade Hampton Census Area01201
Wrangell-Petersburg Census Area00000
Yakutat Borough00000
Yukon-Koyukuk Census Area10100
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Alaska Drunk Driving Deaths by County  Details  
County Name20132014201520162017
Aleutians East Borough00000
Aleutians West Census Area00130
Anchorage Borough57755
Bethel Census Area10112
Bristol Bay Borough00000
Denali Borough11001
Dillingham Census Area10000
Fairbanks North Star Borough23431
Haines Borough00000
Juneau Borough01001
Kenai Peninsula Borough12130
Ketchikan Gateway Borough00010
Kodiak Island Borough10000
Lake And Peninsula Borough00000
Matanuska-Susitna Borough23586
Nome Census Area01004
North Slope Borough00010
Northwest Arctic Borough00000
Prince Of Wales-Outer Ketchikan Census Area00001
Sitka Borough00000
Skagway-Hoonah-Angoon Census Area00010
Skagway-Yakutat-Angoon Census Area00000
Southeast Fairbanks Census Area10020
Valdez-Cordova Census Area11020
Wade Hampton Census Area02201
Wrangell-Petersburg Census Area00000
Yakutat Borough00000
Yukon-Koyukuk Census Area00100
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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.

What’s the average 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 IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural2.91 min13.16 min39.33 min48.59 min47
Urban0.84 min6.18 min22.00 min28.83 min30
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What’s transportation like?

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.