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alaska car insurance

We know it tends to get pretty cold up there in America's northernmost state. But that doesn't mean your car insurance rates should add to your chills. Layer on some much-needed insulation by pocketing major savings on your Alaska car insurance.

Even though Esurance doesn't currently offer coverage in the Last Frontier, we can help connect you to trustworthy names that do. We've partnered up with some of the industry's top companies to help you get an Alaska car insurance quote and ensure you're getting the most bang for your buck — even if it's not with us.

When you start your free quote through our easy-to-use website, you'll be able to conveniently compare rates from top-rated insurance companies side by side.

Car insurance coverages in Alaska

Required coverages

Except in rural or remote areas where registration isn't mandatory, Alaska drivers are legally required to carry liability insurance with at least the following limits:

  • $50,000 bodily injury coverage per person
  • $100,000 bodily injury coverage per incident
  • $25,000 property damage coverage per incident

These limits often appear in writing as 50/100/25. You can set higher limits, if you prefer, when you buy your policy.

For a list of places where car insurance isn't required, visit Alaska's Division of Motor Vehicles site.

Optional coverages

Depending on your insurer, the following coverages in Alaska may be available:

  • Physical damage coverage (commonly divided into collision and comprehensive)
  • Uninsured/underinsured motorists coverage
  • Medical payments coverage
  • Rental car reimbursement coverage
  • Towing and labor
  • Stereo coverage (can help pay to replace a stolen stereo)

Factors that could impact your Alaska car insurance rates

Each insurance company uses different factors to calculate premiums. In general, the following factors play a role:

  • Age, gender, and marital status
  • Driving record
  • Vehicle type
  • Location
  • Prior lapses in insurance coverage
  • Coverages, limits, and deductibles on your policy
  • Discounts you qualify for

Auto insurance stats and facts

Proof of car insurance law

Unless you're in an area where car insurance isn't required — like Arctic Village, for instance — you need to carry proof of insurance when you're behind the wheel. If you're caught driving without proof of insurance, your car could be impounded.

Uninsured drivers in Alaska

The Insurance Research Council (IRC) estimates that 13 percent, or about 68,140 Alaskan drivers, were uninsured in 2009.

While it's not legally required, uninsured/underinsured motorist coverage offers drivers financial protection in case of an accident with an at-fault, uninsured driver.

Alternative car insurance options

If you can't get car insurance from a private insurer, you can apply for the Alaska Automobile Insurance Plan. If you qualify, the plan will assign you to an insurer doing business in the state. Visit AIPSO for more information.

Carpooling counts

Alaskans embrace carpooling. In 2009, 13.3 percent of its workforce shared a ride to work (the second-most, after Hawaii). Carpooling (on top of helping Mother Earth) cuts down the number of miles you drive each year and could earn you a low mileage discount.

Alaskans also lead the way when it comes to walking to work. Eight percent of its workers chose to walk instead of drive to get to the office. This may not seem like much, but the average for the U.S. was 2.9 percent.

Earthquakes are prevalent

Did you know that Alaska is more earthquake-prone than California (or any other state for that matter)? Because of this added risk, you might consider investing in comprehensive coverage.

Check out our safe-driving tips to learn what to do if you're caught driving during an earthquake.

Related links

Dangers of winter driving
Icy roads and severe weather impact winter road conditions.

Driving during floods
When it's raining heavily or rained recently, flooded roads can take you by surprise.

Wonder if you could be saving on car insurance?

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