Alaska has some of the highest and most strict auto insurance
requirements in the United States. This is due, in part, to the cold
weather, which creates adverse driving conditions and, thus, more
claims. In addition, the cold weather is harder on the cars, and
Alaskans have to driver farther, in general, just to meet basic needs.
Alaska auto insurance protects both you and the other driver, and
without it, you could be facing huge fines…or even worse!
Auto Insurance Agents
Need to find an auto insurance agent in your area? Read
Comparing Companies and Rates
When shopping for Alaska auto insurance, it is important to consider
many companies and rates. In Alaska, the most popular auto insurance
companies (as of 2006) were State Farm, Allstate, Geico, USAA, and
Progressive. In this state, you can also find insurance from Government
Employees Insurance Co., Safeco, Hartford Insurance, Infinity
Insurance, Country Mutual, and Teacher’s Insurance Co. New companies
are also opening in Alaska every few years. Read more...
Auto Insurance Discounts
In 2004, Alaska auto insurance premiums cost, on average, over $970
per year. In 2003, that figure was even higher. Historically, Alaska
auto insurance is more expensive than auto insurance in the rest of the
United States. So, if possible, work toward getting Alaska insurance
discounts. Read more...
In Alaska, you are required to hold auto insurance if you have a car
registered in your name. In addition, if you are on the road driving
someone else’s car, you must have Alaska auto insurance (or insurance
from your home state if Alaska is not your permanent residence). Read more...
Levels of Auto Insurance
If you’re looking for Alaska auto insurance, take a moment to peruse
your options before simply buying the state minimum. Almost all Alaska
auto insurance companies offer a 50/100/25 plan, so if you can’t afford
anything else, this is the plan for you. However, if you can afford a
better plan, it is often in your best interest to get it. Read more...
Risks of Not Having Auto Insurance
Alaska auto insurance is expensive; so many people choose not to
carry it. This is a mistake. If you are pulled over for any reason
whatsoever, an office will ask to see your insurance. Motorists who
aren’t carrying proof on insurance face additional penalties on top of
their Alaska speeding ticket, Alaska DWI/DUI ticket, or whatever the
ticket might be. Read
Types of Coverage
There are so many options when it comes to Alaska auto insurance
that it can be very difficult to understand what you do and do not
need. Alaska is a tort state, which means that in every accident,
someone is found at fault, and that person’s insurance pays for the
damages. In many cases, Alaska auto insurance companies cannot
determine a single person at fault. Instead, fault is assigned in
percentages. Read more...
What Affects Insurance Rates?
Alaska auto insurance discounts typically help you get a lower rate,
but did you know that many policies are based on things you can’t
control? Read more...
Alaska Motorcycle Insurance
In Alaska, you must also carry Alaska motorcycle insurance if you’re
resident of the state with a registered motorcycle or who plans to ride
another person’s motorcycle. Motorcycles are considered vehicles, so
you’ll find the same 50/100/25 requirements as you do with other modes
of transportation on the highway. Read more...