Auto Insurance in Alaska

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Alaska Auto Insurance

Most people don’t know some of the most important details about auto insurance in Alaska. Actually, understanding Alaskan insurance guidelines and obtaining cheap auto insurance with adequate coverage isn’t as difficult as it sounds. Below, we’ll outline everything you need to know about Alaska driving laws, auto insurance requirements, accident stats, and more.

Car Insurance Requirements in Alaska 

In Alaska, if you’re driving a registered car, Alaska car insurance laws dictate that you have to have insurance for it. While there are many different types of insurance available, in Alaska, you are only required to have liability coverage.

 

Liability coverage only covers property damage and injuries for other people when those damage or injuries were caused by you. According to Alaska minimum auto insurance requirements, all drivers must have the following liability coverage:

  • $50,000 worth of bodily injury or death coverage per person
  • $100,000 worth of total bodily injury coverage if multiple individuals are injured
  • $25,000 worth of property damage coverage

If you want damage or injuries of your own to be covered, it is recommended that you purchase additional coverage. 

Is Alaska a No-Fault State?

No. Alaska is a fault state. This means that if you are found responsible for an accident, it is your duty to compensate those affected if their property is damaged and/or if they suffer injuries.

 

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Car Insurance Prices in Alaska 

Car insurance prices can vary greatly in Alaska. Much of the variance depends on the driver’s age. The average cost of annual insurance in Alaska ranges from just under $1000 to nearly $4000. Teens have it the hardest with both 16 and 17 year olds often paying well over $3,000 in insurance annually. 21 to 85 year olds usually pay between $1000 and $1500 annually, with the lowest rates being paid by 35 to 65 year olds.

 

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Car insurance for 16-18 year olds in Alaska is the most expensive, by far. These teens will pay over $3,000 per year, on average. To save on teen car insurance, make sure to shop around and compare various carrier premiums. Also look into discounts for teens who take driving courses and/or get good grades in school.</qa>

<qa>2;Car Insurance for Students (18-24 Year Olds) in Alaska;Students aged 18 to 24 in Alaska will pay less insurance than teens, though 18 and 19 year olds will still pay around $2,000 annually. By age 21, on the other hand, annual premiums generally total less than $1,500, and they bottom out for students by age 24.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Alaska;Annual premiums are most affordable for those aged 24 and over in Alaska. Most people in this age range will pay around $1,000 a year for auto coverage.</qa>

<qa>4;Car Insurance for 55 (and Over) in Alaska;55 year olds pay the least amount of annual insurance in Alaska. Average annual premiums hover around $900 at this age and go up slightly every decade thereafter. 85 year olds pay an average of $1,250 per year.</qa>

<qa>5;Car Insurance for Veterans in Alaska;Certain insurance providers offer discounts for military veterans in Alaska. Speak with your agent or carrier to see if they offer such a discount that you may qualify for.</qa>

 

AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 63% | Female - 37%Anchorage
25 - 54FordMale - 50% | Female - 50%Anchorage
55 - 64FordMale - 48% | Female - 52%Anchorage
65 +FordMale - 50% | Female - 50%Anchorage

* This information is based on Pretected.com users.

Traffic Violations and Fines in Alaska

Speeding Ticket Cost in Alaska

Speeding is considered reckless driving in Alaska. How much an Alaskan speeding ticket costs will vary, depending on your specific violation and your unique location at the time of the offense. Look at your traffic ticket to find details about what you owe and next steps. 

Driving While High Laws in Alaska

Use of recreational marijuana is legal in Alaska, but driving high there is considered a DUI. Right now, there is no legal limit for marijuana impairment while driving. It’s simply best not to do it at all as police may arrest you on observed impairment alone.

Driving Without Car Insurance in Alaska 

If you do not have the proper insurance while driving in Alaska, this may result in license suspension, and your vehicle may be impounded. Still, there are certain areas in Alaska where registration is not required, and, therefore, where insurance is not required. 

Texting and Driving in Alaska

It is illegal to text and drive in the state of Alaska. The illegality also includes other cell phone use while driving, including answering emails or sending instant messages. Other forms of distracted driving, such as eating while driving or being too tired to drive are also considered dangerous. These acts may result in fines and penalties, depending on their severity.

 

<twitter> Don’t try tying your dog to the roof of your car in Alaska; it’s illegal. </twitter>

 

Alaska Car Accidents

Car accident statistics show that there were 75 fatal crashes in Alaska in 2017. These accidents resulted in 79 deaths. Crashes in Alaska are common, but compared to other states, Alaska has a low fatality rate for car accidents. 

Reasons for Car Accidents in Alaska

Approximately 421 car accidents causing injuries or death occurred in Alaska in 2014 (latest available data). 348 of those accidents caused serious injuries while the rest resulted in fatalities. 

Statistics for 2017 show that 18% of the fatal crashes occurring that year resulted in pedestrian fatalities. 65% of the fatal accidents involved only a single vehicle, and 35% involved multiple vehicles. 

Car Accident Statistics by Vehicle Type in Alaska

Car accident statistics by vehicle are available from 2008 (latest available data). In this year, passenger cars made up 44% of the total car accidents with 9,240 passenger car accidents occurring. Pick-ups and SUVs accounted for 9,640 of all crashes (46%), and trucks accounted for 376 accidents (1.7%). Finally, motorcycles were involved in 162 of the accidents that year (.7%).

Car Accidents in Alaska – More Facts

In Alaska, alcohol may be responsible for over three-fourths of all accident fatalities. In 2017, of the 32 drivers (not including passengers) killed in motor vehicle accidents, 27 (84%) had known BAC results.

Alaskans also have the unique challenge of facing moose on highways and other roads. In fact, cars and trucks account for 30 percent of all moose deaths in Alaska. 
 

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Alaska

  • If you’re prone to pranks, you should also avoid tying a string or wire across the road as a joke. It may land you in the slammer.
  • Oh, and don’t let an animal jump or fall from your vehicle either — even if the vehicle isn’t moving.

 

Looking for Auto insurance in Alaska? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s "Smart Match":

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