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This page reveals the latest facts regarding auto insurance in the state of Alaska. Here's how to find the cheapest car insurance premium package for your individual needs.
Average Auto Insurance Premiums
The Average Annual Auto Insurance Premium for Alaska was $1,078 last year, quite a bit lower than the national average, which was $1,347 at the time.
Alaska's low crime and low population density bring down the rates, while factors such as harsh weather conditions drive premiums skyward.
So, these factors counterbalance each other.
All in all, Alaska has a relatively low average annual rate for car insurance.
Penalties for Uninsured Drivers
If you are ticketed for driving without insurance in Alaska, you can reasonably expect to have your license suspended or revoked.
If this happens, the you must file an SR-22 form (proof of minimum coverage) to reinstate your driving privileges.
Minimum Liability Coverage
The minimum required insurance coverage for each vehicle owned in Alaska is 50/100/25.
This means $50,000 in accident-related damages to insured drivers, $100,000 to cover others who suffer death or injury, and $25,000 for property damage.
Maine and Alaska have the highest minimum personal liability limits in the whole United States.
Still, many smaller Alaskan villages do not require auto registration or insurance. The Alaska DMV publishes an annual list of remote areas with no car insurance requirements.
Lowering the Cost of Car Insurance
Auto insurance companies in Alaska offer various discounts to promote and encourage safe driving habits.
Super safe drivers might score an Accident-Free Discount or a Good Driver Discount.
High academic performance earns a Good student discount.
Seniors earn Defensive Driving Course discounts.
Holders of more than one insurance policy may be eligible for the multiple auto and/or multiple policy discounts.
Other available discounts are passive restraint discounts for factory-installed airbags, and anti-theft device discounts, among others.
The state of Alaska is home to hundreds of car insurance providers offering auto insurance coverage at competitive rates.
Popular options in Alaska are national favorites like ABC, Geico, Allstate, The Hartford, State Farm and 21st Century Insurance.
To obtain the lowest premium rate, first get several free quotes online.
Then call several local agents and ask about all of their discount programs.
Then do a cost comparison and select the optimal premium package for your individual car owning needs.
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