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Cheap Alaska Auto Insurance

Cheap Alaska auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Alaska.
auto insurance in Alaska

Trying to find the best option in cheap Alaska auto insurance isn’t very easy. With that in mind, we’ve created our free quote tool! It accurately displays the most up to date quotes from some of the highest-rated insurers in the industry. We try our hardest to insure that you’re not paying more than you need to, and considering the price of car insurance these days – this is much needed help!

Considering Cheaper Auto Insurance in Alaska?
Under Alaskan law, you may exclude a driver in your household from inclusion on your auto insurance policy. In fact, the auto insurance company may make this request for a person with a poor driving history which poses a higher risk. A college student who lives away from home and does not have access to a vehicle may be excluded, which may make up a cheap Alaska car insurance rate. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident so think this decision over carefully before you remove them from the policy.

If you have an auto policy or have had one in the past, you must provide the name of the company, the dates of coverage, and the amount of liability coverage it provided. Some insurance companies will give you better rates if you insure for more than the state mandatory minimums, an integral piece in obtaining cheap Alaska auto insurance. Lack of prior insurance coverage due to never owning a car cannot be held against you as long as you have never violated the Alaska Mandatory Insurance Act.

Insurance Companies Regulatory Policies in Alaska
Insurance companies check your credit history when they set you premiums and determine whether they will insure you. The company may ask you to explain any bankruptcies, judgments, or credit problems. They may also ask to do an insurance score to assist them with the premium quote. This score will use your credit history as a whole or part of the rating system. Although Alaska allows insurance companies to use your credit score, there are limitations on the information they use, how they use it, and how often they use it. It’s something that will determine the likelihood of acquiring cheap auto insurance in Alaska.

Alaska does not mandate that you carry personal injury protection (PIP), comprehensive, collision or uninsured/underinsured insurance coverage. They’re also a “no-fault” state. The average insurance premium in Alaska averages to about $955.00 and has the 11th most expensive auto insurance premiums in the nation as of 2006. A single male age 72 and a single female age 25 have the two lowest insurance premiums in the state with all the major insurance companies which operate in the state of Alaska. On the other hand, a family which includes a 16 year old son or daughter will have the highest premiums in the state, and should be heavily considered if you’re looking into cheap Alaska auto insurance.

Insurance Companies Operating in State
There are 15 major insurance companies which have met the qualifications to sell auto insurance in the state of Alaska, most of which are completely capable of presenting cheap Alaska auto insurance. These companies include: All State Property and Casualty, American International Company, American Mutual Insurance Company, Country Casualty, Country Mutual, Geico Casualty Company, Geico Indemnity Company, Government and Employees Insurance Company (GEICO), Metropolitan Group Insurance Company, Progressive Specialty, Safeco Insurance Company, State Farm Fire & Casualty Company, State Farm Mutual Automobile Insurance Company, Teachers (Horace Mann), and USAA.

Below you will find a table comparing the annual premium estimates in the Fairbanks, Alaska area for a 2007 Jeep Liberty 4x4, 4 door vehicle used to commute 10 miles one way by the owner. The premiums are given for various ages and family situations. They are also based on individuals with perfect driving records who have been licensed since age 16. They have all taken a drive safety course and have been given discounts for the standard safety devices such as seat belts etc.

Company NameMale 19 SingleFemale 19 SingleMale 25 SingleFemale 25 SingleMale 72 Single
All State Property And Casualty1496.001172.00734.00672.00618.00
American International Co.2684.001532.00728.00552.00575.00
American Mutual Insurance Co.2826.001532.001012.00817.00662.00
Country Casualty3151.001794.001351.001253.001321.00
Country MutualNANA955.00866.00878.00
Geico Casualty Co.2736.002360.001630.001944.001473.00
Geico Indemnity Co.2466.002141.001352.001228.001016.00
Government Employees Insurance Co. (GEICO)1862.001506.00910.00793.00486.00
Metropolitan Group Insurance Co.2434.001416.00951.00706.00589.00
Progressive Specialty2620.001727.001039.00996.001197.00
Safeco Insurance Co.2107.001835.00 1019.00979.00588.00
State Farm Fire & Casualty Co.1827.001385.00791.00663.00487.00
State Farm Mutual Automobile Insurance Co.1664.001261.00721.00604.00445.00
Teachers (Horace Mann)1456.001264.00897.00853.00800.00
USAA1673.00 1117.00656.00607.00659.00

While there are a lot of facets to obtaining cheap auto insurance in Alaska, there’s a good chance that you’ll find our free quote tool to be of use! We make it easy to make a very informed decision, and considering that the criteria for obtaining auto insurance are somewhat proprietary, we make sure that it’s as easy as pie. If you want an affordable quote on your vehicle – we have the quotes you need.

Source: Alaska Department of Administration. Division of Motor Vehicles, Alaska Car Insurance Laws, Alaska Auto Insurance, Alaska DUI laws, SR22 Inaurance, What Is It, Alaska (AK) Teen Auto Insurance Laws, Rates & Requriments

Useful links:
Alaska Division of Motor Vehicles
Alaska Division of Insurance
Alaska Department of Revenue

Alaska minimum requirements
Bodily Injury Liability per Person: $50,000.00 Limit
Bodily Injury Total Liability: $100,000.00 Limit
Property Damage Liability: $25,000.00 Limit

Alaska auto insurance requirements and laws >>

Cheap teen auto insurance in Alaska
Alaska DUI laws