get an alaska car insurance quote

or call 1-800-378-7262

Or call 1-800-378-7262.

alaska car insurance through an Esurance partner

We know it tends to get pretty cold up there in America's northernmost state. But that doesn't mean your auto 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. With innovative tools and a modern-world approach, we're confident you'll see why Esurance is the smart choice for protection.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

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 (commonly divided into collision and comprehensive)
  • Uninsured/underinsured motorist
  • Medical payments
  • Rental car
  • Towing and labor

factors that could impact your Alaska car insurance rates

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

  • Age, gender, and marital status
  • Any accidents or tickets on record
  • Vehicle year, make, and model
  • Location where your car is parked or garaged
  • Prior lapses in insurance
  • Coverages, limits, and deductibles on your policy
  • Discounts you qualify for

auto insurance stats and facts

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, which helps protect you against falling objects, fire, and more.

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

Uninsured drivers in Alaska

The Insurance Research Council estimated that 13.2 percent of Alaskan drivers were uninsured in 2012. That's just slightly above the national average of 12.6 percent.

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

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.

The Last Frontier accepts electronic proof of insurance, such as digital ID cards on your smartphone, tablet, or other device if you ever get pulled over.

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.

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.

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.