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Alaska Auto Insurance [Rates + Cheap Coverage Guide]

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Alaska Statistics Summary
 
Road Miles 2015
Total in State: 16,129
Vehicle Miles Driven: 5,045 Million
Vehicles 2015Registered: 783,169
Total Stolen: 2,046
State Population737,438
Most Popular VehicleF150
Percentage of Motorists Uninsured15.40%
State Rank: 11th
Driving Deaths Speeding (2008-2017) Total: 253
Drunk Driving (2008-2017) Total: 207
Average Premiums 2015 (Annual)Liability: $539.68
Collision: $350.81
Comprehensive: $137.26
Combined Premium: $1,048.60
Cheapest Provider State Farm Mutual Auto

Home to a range of wildlife, beautiful mountains, and a sun that sometimes never sets, Alaska is a unique and beautiful state to live in. Not so beautiful is the fact that everyone living in Alaska has to have car insurance to drive around Alaska’s terrain. Researching car insurance is hard work, and most of us will spend hours pouring over different websites and reviews.

How do you know what car insurance is right for you? The options are overwhelming, but we will help you reach this important decision with our comprehensive guide.

We will look at car insurance coverage, providers, state rules, and much more. Want to start comparing rates today? Use our FREE online tool above to compare rates in your area.

Alaska Car Insurance Coverage and Rates

It can be hard to pay thousands each year for a car insurance plan you don’t fully understand. Alaska requires all drivers to have insurance, but it can be overwhelming to pick out the best coverage and rates.

We want you to know what you are paying for, so we have explained major coverage types, rates, and Alaska insurance companies.

Keep reading to learn all about Alaska car insurance.

– Alaska Minimum Coverage

In Alaska, the law requires drivers to have minimum liability coverage on their car. This liability coverage ensures that in an accident, drivers can pay off the costs for property damage and injuries.

Alaska is an at-fault state. What does this mean?

The person who is at-fault in an accident is responsible for paying the costs of anyone injured in the accident as well as property damages. If you have insurance, your provider will cover losses up to your minimum liability amount.

Below is an explanation of the 50/100/25 minimum car insurance that Alaska requires.

  • $50,000 to pay for bodily injury per person
  • $100,000 to pay for bodily injury per accident
  • $25,000 to pay for property damage per accident

Alaska’s minimum amount for people’s injuries is higher than the property damage minimum, showing that Alaska rightfully places a higher value on people rather than property.

Take note, though, that Alaska’s required insurance only covers the MINIMUM amount. This amount may quickly run out in an accident, which is why it is smart to purchase more than minimum car insurance for the best protection.

– Forms of Financial Responsibility

Because of Alaska’s car insurance requirements, the law requires all drivers to have forms proving financial responsibility. Proof of financial responsibility is basically proof that you have Alaska’s required minimum liability insurance.

Acceptable forms of proof of financial responsibility can be the following:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)

You must have at least one form of financial security on your person while operating a vehicle. If you are pulled over in a traffic stop or you are in an accident, you must have proof of financial security, car registration, and a driver’s license.

Alaska may suspend your license if you don’t have car insurance and are caught driving,

You will have to fill our an SR-22 form if you have a suspended license for breaking Alaska’s car insurance law. An SR-22 form will likely raise your rates.

The easiest way to avoid suspended licenses and increased rates is by having car insurance in the first place. Next, we will look at car insurance premiums in Alaska.

– Premiums as a Percentage of Income

You might have heard the term per capita disposable income before. Basically, a per capita disposable income is the amount of money a person has to spend (or save) after his or her taxes have been paid.

Alaska’s average per capita income is $49,756. 

This means Alaskans have $4,146 to spend per month on running a household. This includes rent/mortgage payments, health insurance, groceries, and other expenses. 

On average, Alaskans pay $1,050 a year for car insurance. That’s $87 a month going to car insurance. 

To put this into perspective, the average annual rate for car insurance countrywide is $981. This means Alaska’s car insurance rate is HIGHER than the national average! As well, if you add in additional coverage, that yearly amount grows even larger. 

We know Alaskans are already paying more for car insurance, so make sure to shop around for the best rates so that prices don’t hike up even further.

– Core Coverage in Alaska

Coverage TypeAnnual Costs (2015)
Liability$539.68
Collision$350.81
Comprehensive$137.26
Combined$1,048.60

The above data is from one of the leading sources on the matter, the National Association of Insurance Commissioners. You can expect car insurance rates in Alaska to be significantly higher for 2019 and on.

Don’t forget! While having the required insurance is important, you should also have additional coverage. If there is an accident, you will be glad for the extra coverage you purchased.

Want to learn more about extra coverage? Up next, we have explained the main types of coverage options that you can add to a basic insurance plan.

– Additional Liability Coverage

Loss Ratio 201320142015
Medical Payments (MedPay)78%81%83%
Uninsured/Underinsured Motorist Coverage (UUM)46%53%50%

Med Pay, Uninsured, and Underinsured Motorist coverage are optional in the state of Alaska. You should still have coverage, though, even if it is tempting to skip them.

These coverage are some of the most important coverage in case of an accident. If uninsured drivers are in an accident, they will likely go bankrupt before being able to pay off the costs from an accident. What does this mean for you? It means that if someone else is the at-fault driver, they will be unable to pay for your medical bills and property damage.

In Alaska, 15.40 percent of motorists are uninsured. This places Alaska as 11th in the U.S. for uninsured drivers!

This number gets scarier when you consider that these uninsured drivers can cause an accident BUT BE UNABLE to pay for property repairs and injuries.

Let’s dig a little deeper into the data and look at loss ratios. What do the loss ratio numbers mean? Basically, companies with high loss ratios (over 100 percent) are losing money. These companies are paying out too many claims and risk going bankrupt.

On the other hand, companies with low loss ratios are not paying out enough claims.

If you look at the table for Alaska’s loss ratios, you will see that Med Pay’s loss ratios have increased slightly over the years. Uninsured and Uninsured’s loss ratios have remained mostly steady.

This is good news. In 2015, the top U.S. insurance companies had loss ratios that ranged from 94 to 112 percent. While Alaska is below these numbers, it’s Medpay ratio is slowly creeping up.

So what should you take away from this section? Get Med Pay and Uninsured/Underinsured Motorist coverage AND avoid companies with high or low loss ratios.

– Add-ons, Endorsements, and Riders

We’ve already talked about how minimum coverage isn’t enough. But what should you add? Looking at all the options can be overwhelming, especially when you consider added expenses.

That’s why we’ve collected a list of some of the best, affordable coverage to add to your plan. This coverage is cost effective and useful in case of an accident or other mishaps.

List of additional coverage options (click on each one to learn more):

These coverage options would all be great to add to your policy. You can add one or several, so make sure to pick the ones that are best for you.

– Demographic Rates in Alaska

Did you know that gender can sometimes play a role in your car insurance rates? Even though it shouldn’t, there are clear differences between rates for males and females.

CompanyMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old maleSingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old male
Allstate F&C$2,133.71$2,133.71$2,037.18$2,037.18$5,100.22$6,679.06$2,407.00$2,634.39
Geico General$2,118.66$2,053.39$1,999.69$1,902.76$4,667.64$5,955.63$2,094.53$2,247.33
Progressive Direct$1,846.21$1,631.16$1,551.21$1,588.18$6,507.31$7,248.95$2,075.99$2,053.77
State Farm Mutual Auto$1,340.30$1,340.30$1,200.62$1,200.62$4,158.63$5,390.65$1,578.13$1,615.68
USAA$1,439.39$1,435.84$1,341.61$1,334.71$4,660.59$5,168.23$2,065.08$2,188.18

A common belief is that males always pay more than females. In reality, females usually pay more than males for car insurance.

Some insurers are working to rid themselves of gender bias. You can see Allstate has more similar rates for males and females, with 35-year-olds and 60-year-olds paying the EXACT same rate!

Age also plays a part in determining rates. In general, the younger you are, the more you pay.

– Highest and Lowest Insurance Rates by Zip Code and City

Where you live also plays a role in your insurance costs. Below, we have listed the most and least expensive places for car insurance. Scroll through to see where your zip code is on the list.

Complete List of Most and Least Expensive Zip Codes in Alaska   
CityZip CodeAverage
ANCHORAGE99504$3,132.74
CHUGIAK99567$3,124.36
EAGLE RIVER99577$3,111.36
ANCHORAGE99508$3,101.13
PALMER99645$3,091.71
ANCHORAGE99502$3,086.19
ANCHORAGE99507$3,083.15
ANCHORAGE99518$3,080.49
ANCHORAGE99503$3,074.51
ANCHORAGE99599$3,074.51
ANCHORAGE99501$3,074.22
ANCHORAGE99513$3,074.22
ANCHORAGE99529$3,074.22
BIG LAKE99652$3,072.96
WASILLA99654$3,072.96
ANCHORAGE99515$3,072.50
ANCHORAGE99517$3,068.87
ANCHORAGE99530$3,068.87
SUTTON99674$3,060.28
ANCHORAGE99516$3,056.41
INDIAN99540$3,026.69
JBER99505$3,012.68
JBER99506$2,988.70
WILLOW99688$2,957.31
HOUSTON99694$2,957.31
GIRDWOOD99587$2,894.79
FAIRBANKS99701$2,885.50
SALCHA99714$2,880.20
FAIRBANKS99712$2,876.34
FAIRBANKS99790$2,876.34
FORT WAINWRIGHT99703$2,876.16
ANCHORAGE99519$2,853.72
TWO RIVERS99716$2,848.08
FAIRBANKS99775$2,836.65
WHITTIER99693$2,833.93
CHICKEN99732$2,828.96
EAGLE99738$2,828.96
NORTHWAY99764$2,828.96
TANACROSS99776$2,828.96
TOK99780$2,828.96
NORTH POLE99705$2,827.17
FORT GREELY99731$2,824.49
DELTA JUNCTION99737$2,824.49
ANDERSON99744$2,816.00
EIELSON AFB99702$2,812.87
HEALY99743$2,811.56
TYONEK99682$2,809.91
BARROW99723$2,808.39
FAIRBANKS99709$2,808.39
GAKONA99586$2,807.55
CHITINA99566$2,803.40
COPPER CENTER99573$2,803.40
GLENNALLEN99588$2,803.40
#N/A99623$2,800.27
DENALI NATIONAL PARK99755$2,798.16
BETTLES FIELD99726$2,795.61
FORT YUKON99740$2,795.61
CHALKYITSIK99788$2,795.61
CIRCLE99733$2,794.05
TANANA99777$2,792.81
CANTWELL99729$2,791.41
NENANA99760$2,789.17
POINT LAY99759$2,785.45
MINTO99758$2,784.76
CLARKS POINT99569$2,782.22
BETHEL99559$2,781.80
KASIGLUK99609$2,781.80
TUNTUTULIAK99680$2,781.80
NIGHTMUTE99690$2,781.80
ARCTIC VILLAGE99722$2,781.61
VENETIE99781$2,781.61
NUNAPITCHUK99641$2,780.70
TULUKSAK99679$2,780.70
NUIQSUT99789$2,779.85
NULATO99765$2,778.82
EKWOK99580$2,778.06
WAINWRIGHT99782$2,777.14
AKIAK99552$2,776.74
ANIAK99557$2,776.74
CROOKED CREEK99575$2,776.74
TOKSOOK BAY99637$2,776.74
TUNUNAK99681$2,776.74
LAKE MINCHUMINA99757$2,776.10
SAINT PAUL ISLAND99660$2,775.31
CHIGNIK LAKE99548$2,774.57
PORT HEIDEN99549$2,774.57
CHIGNIK LAGOON99565$2,774.57
EGEGIK99579$2,774.57
PERRYVILLE99648$2,774.57
RUBY99768$2,773.31
ATQASUK99791$2,773.31
ANVIK99558$2,773.22
HUGHES99745$2,773.22
STEVENS VILLAGE99774$2,773.22
TRAPPER CREEK99683$2,773.04
ALEKNAGIK99555$2,772.87
SOUTH NAKNEK99670$2,772.79
FALSE PASS99583$2,772.52
PILOT POINT99649$2,772.50
ADAK99546$2,772.23
MANOKOTAK99628$2,771.83
NEW STUYAHOK99636$2,771.83
GRAYLING99590$2,771.15
SHAGELUK99665$2,771.15
BEAVER99724$2,771.15
HUSLIA99746$2,771.15
DILLINGHAM99576$2,770.80
TOGIAK99678$2,770.80
CLEAR99704$2,770.55
NIKOLAI99691$2,770.51
ATKA99547$2,770.44
ALLAKAKET99720$2,770.11
COLD BAY99571$2,769.72
KAKTOVIK99747$2,768.66
AKUTAN99553$2,768.36
NIKOLSKI99638$2,768.36
CHEFORNAK99561$2,768.35
EEK99578$2,768.35
GOODNEWS BAY99589$2,768.35
KIPNUK99614$2,768.35
PLATINUM99651$2,768.35
RED DEVIL99656$2,768.35
KALTAG99748$2,768.35
CHIGNIK99564$2,768.34
MANLEY HOT SPRINGS99756$2,768.06
KING SALMON99613$2,767.91
HOLY CROSS99602$2,767.62
RAMPART99767$2,767.62
KWIGILLINGOK99622$2,766.81
SAINT GEORGE ISLAND99591$2,766.60
ILIAMNA99606$2,766.27
LEVELOCK99625$2,766.27
NONDALTON99640$2,766.27
PEDRO BAY99647$2,766.27
PORT ALSWORTH99653$2,766.27
ALAKANUK99554$2,765.86
CHEVAK99563$2,765.86
EMMONAK99581$2,765.86
MARSHALL99585$2,765.86
RUSSIAN MISSION99657$2,765.86
SCAMMON BAY99662$2,765.86
KIVALINA99750$2,765.86
KOBUK99751$2,765.86
NOATAK99761$2,765.86
POINT HOPE99766$2,765.86
SELAWIK99770$2,765.86
SHUNGNAK99773$2,765.86
KWETHLUK99621$2,765.55
MEKORYUK99630$2,765.55
NAPAKIAK99634$2,765.55
SLEETMUTE99668$2,765.55
MC GRATH99627$2,765.27
TAKOTNA99675$2,765.27
KOTLIK99620$2,763.78
MOUNTAIN VILLAGE99632$2,763.78
NUNAM IQUA99666$2,763.78
NOORVIK99763$2,763.78
SKWENTNA99667$2,763.76
SAINT MARYS99658$2,763.47
LOWER KALSKAG99626$2,762.74
PILOT STATION99650$2,762.74
BUCKLAND99727$2,762.74
DEERING99736$2,762.74
ANAKTUVUK PASS99721$2,761.70
KIANA99749$2,761.70
AMBLER99786$2,761.70
GALENA99741$2,761.39
SAND POINT99661$2,761.00
KING COVE99612$2,760.52
HOOPER BAY99604$2,759.63
KOTZEBUE99752$2,757.55
AKIACHAK99551$2,757.14
UNALAKLEET99684$2,755.14
GAMBELL99742$2,755.14
SAVOONGA99769$2,755.14
SHISHMAREF99772$2,755.14
SAINT MICHAEL99659$2,754.67
STEBBINS99671$2,754.67
KALSKAG99607$2,754.35
QUINHAGAK99655$2,754.35
KOYUKUK99754$2,753.07
SHAKTOOLIK99771$2,753.07
WHITE MOUNTAIN99784$2,752.03
TELLER99778$2,751.55
NAKNEK99633$2,750.95
ELIM99739$2,749.95
TALKEETNA99676$2,748.05
UNALASKA99685$2,747.41
KOYUK99753$2,746.84
NOME99762$2,746.84
WALES99783$2,746.84
BREVIG MISSION99785$2,746.84
CENTRAL99730$2,746.75
DUTCH HARBOR99692$2,744.61
HOMER99603$2,737.91
SELDOVIA99663$2,737.91
ANCHOR POINT99556$2,730.16
CORDOVA99574$2,729.94
TATITLEK99677$2,729.94
SEWARD99664$2,723.28
VALDEZ99686$2,721.92
CLAM GULCH99568$2,714.65
NINILCHIK99639$2,710.25
COOPER LANDING99572$2,709.97
KASILOF99610$2,709.61
HOPE99605$2,706.57
MOOSE PASS99631$2,706.57
KONGIGANAK99545$2,699.37
STERLING99672$2,697.41
KENAI99611$2,691.18
SOLDOTNA99669$2,682.68
PORT LIONS99550$2,529.87
KARLUK99608$2,529.87
KODIAK99615$2,529.87
LARSEN BAY99624$2,529.87
OLD HARBOR99643$2,529.87
OUZINKIE99644$2,529.87
METLAKATLA99926$2,490.80
KLAWOCK99925$2,490.45
CRAIG99921$2,484.84
YAKUTAT99689$2,473.28
MEYERS CHUCK99903$2,472.61
WRANGELL99929$2,471.16
HYDER99923$2,468.39
HYDABURG99922$2,465.25
THORNE BAY99919$2,456.86
POINT BAKER99927$2,455.82
KETCHIKAN99901$2,438.02
COFFMAN COVE99918$2,438.02
WARD COVE99928$2,438.02
JUNEAU99801$2,391.42
JUNEAU99811$2,391.42
AUKE BAY99821$2,391.42
SITKA99835$2,371.90
PORT ALEXANDER99836$2,371.90
ELFIN COVE99825$2,370.52
SKAGWAY99840$2,370.50
HAINES99827$2,357.96
GUSTAVUS99826$2,355.81
DOUGLAS99824$2,351.46
PETERSBURG99833$2,351.30
KAKE99830$2,348.31
PELICAN99832$2,348.31
TENAKEE SPRINGS99841$2,348.31
HOONAH99829$2,348.11
ANGOON99820$2,335.97

Anchorage zip codes pop up multiple times, which makes sense as Anchorage is the largest city in Alaska. Surprisingly, Alaska’s capital, Juneau, made it onto the list of least expensive zip codes. We have also listed the least and most expensive Alaska cities for car insurance.

Least and Most Expensive Cities in Alaska  
City NameAverage Grand Total
ANGOON$2,335.97
HOONAH$2,348.11
KAKE$2,348.31
PELICAN$2,348.31
TENAKEE SPRINGS$2,348.31
PETERSBURGH$2,351.30
DOUGLAS$2,351.46
GUSTAVAS$2,355.81
HAINES$2,357.96
SKAGWAY$2,370.50
ELFIN COVE$2,370.52
PORT ALEXANDER$2,371.90
SITKA$2,371.90
AUKE BAY$2,391.43
JUNEAU$2,391.43
COFFMAN COVE$2,438.02
KETCHIKAN$2,438.02
WARD COVE$2,438.02
POINT BAKER$2,455.82
THORNE BAY$2,456.86
HYDABURG$2,465.25
HYDER$2,468.39
WRANGELL$2,471.16
MEYERS CHUCK$2,472.61
YAKUTAT$2,473.27
CRAIG$2,484.84
KLAWOCK$2,490.45
METLAKATLA$2,490.80
KARLUK$2,529.87
KODIAK$2,529.87
LARSEN BAY$2,529.87
OLD HARBOR$2,529.87
OUZINKIE$2,529.87
PORT LIONS$2,529.87
SOLDOTNA$2,682.68
KENAI$2,691.18
STERLING$2,697.41
KONGIGANAK$2,699.37
HOPE$2,706.57
MOOSE PASS$2,706.57
KASILOF$2,709.61
COOPER LANDING$2,709.97
NINILCHIK$2,710.25
CLAM GULCH$2,714.65
VALDEZ$2,721.92
SEWARD$2,723.28
CORDOVA$2,729.94
TATITLEK$2,729.94
ANCHOR POINT$2,730.16
HOMER$2,737.91
SELDOVIA$2,737.91
DUTCH HARBOR$2,744.61
CENTRAL$2,746.75
BREVIG MISSION$2,746.84
KOYUK$2,746.84
NOME$2,746.84
WALES$2,746.84
UNALASKA$2,747.41
TALKEETNA$2,748.05
ELIM$2,749.95
NAKNEK$2,750.95
TELLER$2,751.55
WHITE MOUNTAIN$2,752.03
KOYUKUK$2,753.07
SHAKTOOLIK$2,753.07
KALSKAG$2,754.35
QUINHAGAK$2,754.35
SAINT MICHAEL$2,754.67
STEBBINS$2,754.67
GAMBELL$2,755.14
SAVOONGA$2,755.14
SHISHMAREF$2,755.14
UNALAKLEET$2,755.14
AKIACHAK$2,757.15
KOTZEBUE$2,757.55
HOOPER BAY$2,759.63
KING COVE$2,760.52
SAND POINT$2,761.00
GALENA$2,761.39
AMBLER$2,761.70
ANAKTUVUK PASS$2,761.70
KIANA$2,761.70
BUCKLAND$2,762.74
DEERING$2,762.74
LOWER KALSKAG$2,762.74
PILOT STATION$2,762.74
SAINT MARYS$2,763.47
SKWENTNA$2,763.76
KOTLIK$2,763.78
MOUNTAIN VILLAGE$2,763.78
NOORVIK$2,763.78
NUNAM IQUA$2,763.78
MC GRATH$2,765.27
TAKOTNA$2,765.27
KWETHLUK$2,765.55
MEKORYUK$2,765.55
NAPAKIAK$2,765.55
SLEETMUTE$2,765.55
ALAKANUK$2,765.86
CHEVAK$2,765.86
EMMONAK$2,765.86
KIVALINA$2,765.86
KOBUK$2,765.86
MARSHALL$2,765.86
NOATAK$2,765.86
POINT HOPE$2,765.86
RUSSIAN MISSION$2,765.86
SCAMMON BAY$2,765.86
SELAWIK$2,765.86
SHUNGNAK$2,765.86
ILIAMNA$2,766.27
LEVELOCK$2,766.27
NONDALTON$2,766.27
PEDRO BAY$2,766.27
PORT ALSWORTH$2,766.27
SAINT GEORGE ISLAND$2,766.60
KWIGILLINGOK$2,766.81
HOLY CROSS$2,767.62
RAMPART$2,767.62
KING SALMON$2,767.91
MANLEY HOT SPRINGS$2,768.06
CHIGNIK$2,768.34
CHEFORNAK$2,768.35
EEK$2,768.35
GOODNEWS BAY$2,768.35
KALTAG$2,768.35
KIPNUK$2,768.35
PLATINUM$2,768.35
RED DEVIL$2,768.35
AKUTAN$2,768.36
NIKOLSKI$2,768.36
KAKTOVIK$2,768.66
COLD BAY$2,769.72
ALLAKAKET$2,770.11
ATKA$2,770.44
NIKOLAI$2,770.51
CLEAR$2,770.55
DILLINGHAM$2,770.80
TOGIAK$2,770.80
BEAVER$2,771.15
GRAYLING$2,771.15
HUSLIA$2,771.15
SHAGELUK$2,771.15
MANOKOTAK$2,771.83
NEW STUYAHOK$2,771.83
ADAK$2,772.23
PILOT POINT$2,772.50
FALSE PASS$2,772.52
SOUTH NAKNEK$2,772.79
ALEKNAGIK$2,772.87
TRAPPER CREEK$2,773.04
ANVIK$2,773.22
HUGHES$2,773.22
STEVENS VILLAGE$2,773.22
ATQASUK$2,773.31
RUBY$2,773.31
CHIGNIK LAGOON$2,774.57
CHIGNIK LAKE$2,774.57
EGEGIK$2,774.57
PERRYVILLE$2,774.57
PORT HEIDEN$2,774.57
SAINT PAUL ISLAND$2,775.31
LAKE MINCHUMINA$2,776.11
AKIAK$2,776.74
ANIAK$2,776.74
CROOKED CREEK$2,776.74
TOKSOOK BAY$2,776.74
TUNUNAK$2,776.74
WAINWRIGHT$2,777.14
EKWOK$2,778.06
NULATO$2,778.82
NUIQSUT$2,779.85
NUNAPITCHUK$2,780.70
TULUKSAK$2,780.70
ARCTIC VILLAGE$2,781.61
VENETIE$2,781.61
BETHEL$2,781.80
KASIGLUK$2,781.80
NIGHTMUTE$2,781.80
TUNTUTULIAK$2,781.80
CLARKS POINT$2,782.22
MINTO$2,784.76
POINT LAY$2,785.45
NENANA$2,789.17
CANTWELL$2,791.40
TANANA$2,792.81
CIRCLE$2,794.05
BETTLES FIELD$2,795.61
CHALKYITSIK$2,795.61
FORT YUKON$2,795.61
DENALI NATIONAL PARK$2,798.16
#N/A$2,800.27
CHITINA$2,803.40
COPPER CENTER$2,803.40
GLENNALLEN$2,803.40
GAKONA$2,807.55
BARROW$2,808.39
TYONEK$2,809.91
HEALY$2,811.56
EIELSON AFB$2,812.87
ANDERSON$2,816.00
DELTA JUNCTION$2,824.49
FORT GREELY$2,824.49
NORTH POLE$2,827.17
CHICKEN$2,828.96
EAGLE$2,828.96
NORTHWAY$2,828.96
TANACROSS$2,828.96
TOK$2,828.96
WHITTIER$2,833.94
TWO RIVERS$2,848.08
FAIRBANKS$2,856.65
FORT WAINWRIGHT$2,876.16
SALCHA$2,880.21
GIRDWOOD$2,894.79
HOUSTON$2,957.31
WILLOW$2,957.31
JBER$3,000.69
INDIAN$3,026.70
SUTTON$3,060.28
ANCHORAGE$3,065.05
BIG LAKE$3,072.96
WASILLA$3,072.96
PALMER$3,091.71
EAGLE RIVER$3,111.36
CHUGIAK$3,124.36

Alaska Car Insurance Companies

With so many car insurance companies clamoring for new customers, it can be hard to know which company is sincere in offering you the best rates AND the best coverage. The last thing you want is for your hard-earned money to pay for bad coverage and overly expensive rates.

That’s why we have looked through the biggest car insurance companies in Alaska to help provide you with much-needed information. We’ve covered company ratings, complaints, and much more.

So let’s get to it!

– The Largest Companies’ Financial Ratings

You might be wondering, what exactly is an AM Best Rating? Basically, an AM Best rating determines a company’s financial strength. Look below for the AM financial ratings of the largest insurance companies in Alaska.

Company Name AM Best Rating Direct Premiums Written Loss RatioMarket Share
State Farm GroupA++$133,81677.95%28.55%
USAA GroupA++$83,68768.67%17.86%
GeicoA++$82,63768.23%17.63%
Allstate Insurance GroupA+$59,50745.56%12.70%
Progressive GroupA+$50,92267.86%10.86%
Liberty Mutual GroupA$16,33763.73%3.49%
Country Insurance & Financial Service GroupA+$14,04265.14%3.00%
Hartford Fire & Casualty GroupA$10,33266.49%2.20%
Tiptree Financial GroupNR$4,93820.10%1.05%
Horace Mann GroupNR$4,74867.08%1.01%
State Total$468,68167.54%100.00%

As we discussed before, a company shouldn’t have a high (over 100 percent) loss ratio OR a low loss ratio. Some companies, like Tiptree, are extremely low on their loss ratio, but most of the companies have a good loss ratio. Additionally, none of the companies are in danger of going bankrupt because of a high loss ratio.

– Companies with Most Complaints in Alaska

The data below shows the number of complaints and complaint ratio for the top ten providers in Alaska. Bear in mind, though, that complaints do not necessarily mean a company is bad. Rather, it is how a company addresses complaints and customer satisfaction that matter most. You don’t make it onto the top ten provider list unless you are doing something right.

Top Providers of Car Insurance in AlaskaCompany Complaint Ratio 2017Total Complaints 2017
State Farm Group 0.441,482
Allstate Insurance Group 0.5163
Progressive Group 0.75120
Country Insurance and Financial Service Group 0.4415
Horace Mann Group 0.7911
Hartford Fire and Casualty Group 4.689
Geico.0076
Liberty Mutual Group .0076
Tiptree Financial Group 0.552
USSA Group 02

– Alaska Car Insurance Rates by Company

CompanyAverageCompared to State AveragePercentage Compared to State Average
Allstate F&C$3,145.31$39112.44%
Geico General$2,879.95$1264.37%
Progressive Direct$3,062.85$30910.08%
State Farm Mutual Auto$2,228.12-$526-23.61%
USAA$2,454.20-$300-12.22%

Alaska Top Company Averages

A few major companies, such as USAA and State Farm Mutual, have averages that are BELOW the national average. Allstate and Geico are above the national average, but not shockingly so. If their rates were higher, Allstate and Geico may not have made it onto the list of the biggest companies in Alaska.

– Cost of Commutes by Carrier

At some companies, how far you drive each day CAN have an effect on your rates.

Company Commute and Annual Mileage Annual Average Cost
Allstate25 miles commute. 12000 annual mileage.$3,207
Allstate10 miles commute. 6000 annual mileage.$3,084
Progressive10 miles commute. 6000 annual mileage.$3,063
Progressive25 miles commute. 12000 annual mileage.$3,063
Geico25 miles commute. 12000 annual mileage.$2,916
Geico10 miles commute. 6000 annual mileage.$2,843
USAA25 miles commute. 12000 annual mileage.$2,496
USAA10 miles commute. 6000 annual mileage.$2,412
State Farm25 miles commute. 12000 annual mileage.$2,289
State Farm10 miles commute. 6000 annual mileage.$2,167

While there aren’t any huge leaps in cost, a longer commute can add just over a hundred dollars at companies like State Farm.

– Coverage Level Rates in Alaska

While it can be tempting to purchase the lowest coverage because of the lower cost, a higher level of coverage protects you significantly better. Let’s take a closer look at the coverage price differences at Alaska companies.

GroupCoverage TypeAnnual Average
Liberty MutualHigh$5,558
Liberty MutualMedium$5,267
Liberty MutualLow$5,051
ProgressiveHigh$4,463
FarmersHigh$4,460
State FarmHigh$4,325
FarmersMedium$4,123
State FarmMedium$4,089
ProgressiveMedium$4,039
FarmersLow$3,947
State FarmLow$3,896
TravelersHigh$3,804
TravelersMedium$3,770
ProgressiveLow$3,722
TravelersLow$3,515
AllstateHigh$3,386
AllstateMedium$3,244
AllstateLow$3,164
GeicoHigh$3,065
GeicoMedium$2,848
NationwideHigh$2,693
GeicoLow$2,692
NationwideLow$2,644
NationwideMedium$2,633
USAAHigh$2,294
USAAMedium$2,198
USAALow$2,146

By shopping around at different companies, you can get a high level of coverage for only a little more than low-level coverage. For example, there is only a $148 difference between low and high coverage at USAA.

– Credit History Rates

Company Credit HistoryAnnual Average
AllstatePoor$3,718
ProgressivePoor$3,344
USAAPoor$3,342
GeicoPoor$3,273
State FarmPoor$3,083
ProgressiveFair$2,992
AllstateFair$2,961
ProgressiveGood$2,852
GeicoFair$2,845
AllstateGood$2,757
GeicoGood$2,522
USAAFair$2,189
State FarmFair$1,993
USAAGood$1,832
State FarmGood$1,609

A bad credit score is detrimental when purchasing car insurance. Car insurance companies will usually determine rates by examining your credit score. If you have good credit, you will usually receive better rates.

In the state of Alabama, the average credit score is 668. This score is just slightly below the 2017 national credit score of 675.

The data also shows that just one DUI or accident can cause your rates to skyrocket. For example, a DUI at Geico will send your annual cost up over $2,000!

Clearly, your credit score plays an important part in determining your car insurance rates. Up next, we will cover another important factor that insurers use to determine rates–your driving record.

– Driving Record Rates

GroupDriving RecordAnnual Average
GeicoWith 1 DUI$4,320
AllstateWith 1 DUI$3,542
AllstateWith 1 accident$3,541
ProgressiveWith 1 accident$3,513
USAAWith 1 DUI$3,232
ProgressiveWith 1 speeding violation$3,087
GeicoWith 1 accident$3,044
AllstateWith 1 speeding violation$2,988
ProgressiveWith 1 DUI$2,911
ProgressiveClean record$2,741
AllstateClean record$2,511
USAAWith 1 accident$2,474
State FarmWith 1 accident$2,425
State FarmWith 1 DUI$2,228
State FarmWith 1 speeding violation$2,228
USAAWith 1 speeding violation$2,183
GeicoWith 1 speeding violation$2,096
GeicoClean record$2,059
State FarmClean record$2,031
USAAClean record$1,928

At many of these companies, a single DUI or accident will increase your rates astronomically. If you keep a clean driving record, it will keep your rates down!

– Number of Insurers in Alaska

Number of Licensed Insurers in Alaska
  
DomesticForeignTotal Number of Licensed Insurers
4397401

You might be wondering what the difference is between domestic vs. foreign insurance. Basically, domestic insurance is formed under Alaska law, but foreign insurance is formed under the laws of any state in the U.S.

Alaska State Laws

State laws are often confusing. Often, what is legal in one state isn’t legal in another. So how do you know what is legal in Alaska? If you are new to Alaska, you need to familiarize yourself with Alaska’s driving laws.

After all, the last thing you want is a fine for breaking a driving law that you didn’t know existed!

Don’t fear! We have put together a list of all the important driving laws you need to know. From insurance coverage rules to seat belt laws, we cover it all. So keep scrolling to learn more.

– Car Insurance Laws

As we’ve stated before, Alaska requires every driver to have car insurance. According to the NAIC, insurers in Alaska must file car insurance policies with the Alaska Insurance Department before using car insurance. This is to make sure the policy complies with state laws. Don’t worry, though, your insurer will take care of the filing.

Alaska state law requires you to have the minimum liability insurance coverage.

Keep reading to learn about high-risk insurance and what to do if you need high-risk insurance.

– High-Risk Insurance

The last thing anyone wants is increased premiums. Unfortunately, if you are in an accident, you may be required to fill out an SR-22 form to purchase high-risk insurance. Below are some of the reasons for mandatory high-risk insurance:

  • Conviction of DUI/DWI
  • Driving while uninsured
  • A traffic violation that results in a fatality or serious injury
  • A high number of points on your driving record
  • A high-risk car (sports cars, etc.)
  • Being over 70 years old

If you are required to purchase high-risk insurance, bear in mind that some insurers may refuse to insure you.

If you are refused car insurance coverage, you must turn to the Alaska Automobile Insurance Plan.

The DMV advises using the Alaska Automobile Insurance Plan as a LAST resort because insurance is more expensive through the plan. Make sure to shop around at providers for high-risk insurance before turning the Alaska Automobile Insurance Plan.

– Low-Cost Insurance

The best way to have low-cost insurance in Alaska is to have a clean driving record. Currently, Alaska does not offer a government-sponsored insurance program for low-income drivers. Although there are still plenty of ways to cut down costs, so don’t be discouraged.

Ask your provider about the following discounts:

  • Good driver discount
  • Good student discount
  • Anti-theft device discount
  • Multi-car discount
  • Homeowner’s discount

Want to save more? Make sure to shop around at providers to find the best, cost-effective rates.

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– Windshield Coverage

Did you know windshields can crack and shatter just from the cold? In Alaska, temperatures can drop to -70 degrees Fahrenheit. That’s significant potential for shattered windshields!

Unfortunately, in Alaska, there are no laws requiring insurers to replace or repair windshields.

This doesn’t mean insurers won’t cover it! If you have comprehensive insurance, there is a good chance that your insurer will replace or repair your windshield. Once again, the better your insurance, the better benefits you will have.

– Automobile Insurance Fraud in Alaska

As in every state in the U.S., insurance fraud is a crime in Alaska. To prevent insurance fraud, Alaska has a fraud bureau working to catch criminals who commit insurance fraud.

According to the IIHS, there are two ways to commit insurance fraud:

  1. Intentionally faking an accident or making a false claim
  2. Adding “extra” onto a legitimate claim

The video below further explains examples of insurance fraud.

Committing insurance fraud in Alaska can lead to jail time, fines, community service, and other penalties. To avoid this happening to you, don’t make false claims or add “extra” onto your claim. It’s simply not worth it.

– Statute of Limitations

If you are in an accident, you only have a certain amount of time to file a claim. If you don’t file a claim in time, you won’t receive the money you are owed. This time begins running out the day of your accident. Check below to see the amount of time you have to file claims.

  • Personal Injury: Two years
  • Property Damage: Six years

Don’t wait! Years pass quicker than one would think, so don’t put off filing that claim!

– Alaska Unfair Claims Settlement Practice

In the state of Alaska, the law requires insurers to fully disclose all policy information to their clients. This is to prevent benefits from being conveniently “forgotten” at the time of a claim. It also prevents insurers from ignoring your claims.

While this law is useful, the best way to avoid being taken advantage of is to know your policy inside and out.

Stay with us, because we are now going to dive into Alaska’s licensing laws for vehicles.

– Vehicle Licensing Laws

Because Alaska requires all drivers to have insurance, there are strict penalties in place for driving without car insurance. We understand that car insurance can be expensive, but a look at the penalties below may convince you that writing a check each month for insurance is a better option.

Penalties for Driving Without Insurance in Alaska
 
1st Offense-License suspension for 90 days
2nd Offense-License suspension for one year

While Alaska doesn’t have fines, you automatically LOSE your license. You go from driving without insurance to not being able to drive at all!

If you do have car insurance, you need to make sure you have proof of insurance. Below are the acceptable proofs of insurance:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)

Anytime law enforcement pulls you over, you must provide proof of insurance. You must also provide your car’s registration and your driver’s license.

If you break Alaska’s car insurance laws by driving without insurance, your car’s registration will not be suspended, but Alaska WILL suspend your license. As well, it doesn’t matter if you are the at-fault driver or not. The penalty for being in an accident without insurance is the same–losing your license.

– Teen Driver Laws

Teens in Alaska can start driving with a learner’s permit as young as 14 years old. Teens must meet the requirements below to receive a license or a restricted license.

Requirements for Getting a License in Alaska
 
Mandatory Holding Period 6 months
Minimum Supervised Driving Time 40 hours (10 of which must be at night or in inclement weather)
Minimum Age 16-years-old

Young drivers in Alaska with restricted licenses must also follow the rules listed below.

Restrictions for Restricted Licenses in Alaska
 
Nighttime restrictions1 a.m. to 5 a.m.
Passenger restrictions (family members excepted unless noted otherwise)no passengers younger than 21-years-old
Minimum age at which restrictions may be lifted:
Nighttime restrictions -6 months or until age 18 (minimum age: 16 and 6 months)
Passenger restrictions -6 months or until age 18 (minimum age: 16 and 6 months)

Let’s move on from teen drivers to older drivers, another age group that has special requirements.

– Older Driver License Renewal Procedures

In Alaska, older drivers must renew drivers licenses every five years, the same as the general population. However, there are some special rules in place for 69-year-olds and older.

  • Proof of adequate vision is required at EVERY renewal
  • Mail or online renewal is NOT permitted

So if you are an older driver, you have to go in person to renew your license AND you have to schedule a visit with an eye doctor.

– New Residents

If you want to drive in the rugged state of Alaska, you need car insurance. If you recall, Alaska requires you to have the following minimum liability insurance.

  • $50,000 to pay for bodily injury per person
  • $100,000 to pay for bodily injury per accident
  • $25,000 to pay for property damage per accident

You must contact your provider so that your provider can change your rates if necessary and provide you with updated insurance cards. As a new resident, this task is a must on your to-do list.

– License Renewal Procedures

Alaskans must renew their licenses every five years. This doesn’t mean you need to make a trip to the DMV every time.

In Alaska, residents can renew their licenses online or through the mail every other renewal. That’s ten years without a trip to the DMV!

Be warned, though, that proof of adequate vision IS required at every IN-PERSON renewal. This isn’t a big deal when you consider that this requires an eye-doctor visit every ten years. Especially because you should be going to an eye-doctor more frequently than once a decade!

– Negligent Drivers

Negligent driving in Alaska is when a person endangers other people and property through risky driving. While negligent driving isn’t a crime in the state of Alaska, you can pay up to $300 in fines if you are convicted.

Negligent driving will also add SIX points to your driving record.

Remember, a bad driving record will also increase your rates. To avoid paying more, avoid reckless driving to keep both yourself and others safe on the road.

– Alaska’s Rules of the Road

If you don’t know the rules of the road, you risk breaking the law. In addition to fines, you will likely have points added to your record that will increase your rates. To avoid losing more of your hard-earned money, continue reading to learn about Alaska’s rules of the road.

– Fault vs. No Fault

Alaska is an at-fault state. This means that the person who is at-fault in an accident is responsible for paying the costs of anyone injured in the accident AND property damages.

If you don’t have insurance or the right coverage, an accident can quickly drain your resources if you are at fault. This is why it is important to make sure your coverage matches your needs, and that you purchase more than the minimum requirements.

– Keep Right and Move Over Laws

If you are traveling SLOWER than the speed limit, the law requires you to keep to the RIGHT of the roadway. Simple enough, right?

The move over laws in Alaska are also fairly simple. In Alaska, you are required to move over for stopped vehicles. We’ve listed some of these vehicles below. The best rule of thumb is that whenever you see a stopped vehicle, move over.

  • Emergency vehicles
  • Police officers/state troopers
  • Utility service trucks

If you are working on the side of the road, the last thing you want is cars whizzing by when you step out of your vehicle. Alaska created the move over law so that law enforcement and other workers can do their work in a safe area.

– Speed Limits

Speeding tickets are common, but no-one likes to get one. Make sure to familiarize yourself with Alaska’s speed limits, so that you aren’t stuck paying a speeding ticket.

Alaska Speed Limits
 
Type of RoadwaySpeed Limit
Rural Interstates65 mph
Urban Interstates55 mph
Other Limited Access Roads65 mph
Other Roads55 mph

Take note that these are only the MAX speed limits for each road type. Speed limits vary from roadway to roadway, so pay attention to traffic signs.

– Seat Belt and Car Seat Laws

Alaska wants drivers on its roads to be safe. That is why there are rules in place about buckling up in the car. Avoid a fine and stay safe by reading the rules below.

Seat Belt Laws in Alaska
 
Effective SinceSeptember 12, 1990
Primary EnforcementYes; effective since May 1, 2006
Age/Seats Applicable16+ years old in front seat
1st Offense Max Fine$15 plus fees

Keeping children safe in cars is also one of Alaska’s priorities. If you have children, follow the rules below to protect them in the car.

Alaska Car Seat Requirements
 
Type of Car Seat RequiredAge
Rear-Facing Child Restraint Younger than one-year-old or less than 20 pounds
Forward-Facing Child Restraint One to three years old and more than 20 pounds
Child Booster SeatFour through 15 years who are either shorter than 57 inches or who weigh more than 20 but less than 65 pounds
Adult Belt Permissible Four through 7 years who are at least 57 inches or 65+ pounds; 7 through 15 who are shorter than 57 inches or weigh less than 65 pounds

If you violate a car seat law, you face a fine of up to $50, plus fees.

There are no state laws about riding in the cargo areas of pickups but make sure you exercise caution to maintain the safety of both others and yourself.

– Ridesharing

You might be familiar with ride-sharing companies like Uber and Lyft. Working for these companies requires ridesharing insurance and usually a vehicle inspection.

If you are thinking of ridesharing, make sure to ask your provider if they provide ridesharing insurance. If not, you may be forced to find a different insurer for ridesharing insurance.

– Automation on the Road

Currently, the state of Alaska does not have any laws managing the use of automated vehicles. You might be wondering what an automated vehicle is. While self-driving cars may come to mind, usually an automated vehicle is simply the use of features like cruise control.

– DUI Laws

Alaska has strict laws in place about drunk driving. In 2017, there were 22 alcohol-related fatalities in Alaska.

DUI Law in Alaska 
Name for Offense Driving under the influence (DUI) or Operating Under the Influence (OUI)
BAC Limit0.08
High BAC Limit NA
Criminal Status1st to 3rd offenses are class A misdemeanors; 3rd+ in 10 years is a class C felony
Look Back Period 15 years

Below, we have collected the specific penalties in place for drunk-driving.

DUI - 1st Offense
 
License Revoked90 days
Jail TimeMandatory minimum is 72 consecutive hours
Fine$1,500 minimum +$200 license reinstatement fee
Other -SR-22 liability insurance required for 5 years
-Possible attendance at ASAP endorsed treatment program
-Mandatory interlock 1 year
DUI - 2nd Offense
 
License Revoked1 year
Jail TimeMandatory 20 day minimum
Fine$3,000 minimum +$500 license reinstatement fee
Other -SR-22 liability insurance required for 10 years
-Mandatory interlock 2 years
DUI - 3rd Offense
 
License Revoked3 years
Jail TimeMandatory 60 day minimum
Fine$4,000 minimum
Other -SR-22 liability insurance required for 20 years
-3 year interlock
DUI - 4th Offense
 
License Revoked5 years
Jail TimeMandatory 120 days minimum
Fine$10,000 minimum
Other -SR-22 liability insurance required for life
-3 year interlock if licensed restored

Ouch! Drunk driving in Alaska will cost you thousands in fines, jail-time, and license suspension. You will also be required to purchase SR-22 insurance, which will increase your insurance rates. The price is simply not worth it. So save that extra drink until after you get home.

– Marijuana-Impaired Driving Laws

Alaska doesn’t have a specific law against marijuana-impaired driving. This doesn’t mean you won’t get in trouble for driving while under the influence of marijuana. 

Law enforcement can charge you with impaired driving. This may result in fines, jail time, and other penalties.

– Distracted Driving Laws

Since the invention of the smartphone, distracted driving has become JUST as dangerous as driving under the influence. That text can wait until you get home! Below are Alaska’s rules about distracted driving.

Hand-held banYoung driver cell phone banTexting banEnforcement
nonoall driversprimary

Primary enforcement simply means that an officer can pull you over JUST for texting on your phone.

Alaska Can’t-Miss Facts

You now have a good understanding of the laws in Alaska, so let’s jump into some of the must-know driving facts in Alaska. There are unique risks to owning and operating a vehicle in Alaska, and it can be difficult to know what all these risks are.

If you know the risks of the road, it will help keep you keep a wary eye out on Alaska’s rugged roads for the major risk factors.

No-one wants to be in an accident, so we have covered everything you need to know about vehicle theft, risky behavior, EMS response time, and other facts.

– Vehicle Theft in Alaska

Did you know that certain cars are stolen more than others? Though if you are unlucky enough to have your car stolen, your insurer may cover the cost of your stolen car.

Top Ten Stolen Vehicles in Alaska  
Vehicle Make and ModelYearTotal Stolen
Chevrolet Pickup (Full Size)2003147
Ford Pickup (Full Size)200495
GMC Pickup (Full Size)199758
Honda Civic200056
Honda Accord199346
Dodge Pickup (Full Size)199844
Ford Explorer199431
Jeep Cherokee/Grand Cherokee199928
Ford Pickup (Small Size)200022
Chevrolet Pickup (Small Size)199820

Where you live is also an important part of the risk factor in vehicle theft. The FBI has collected data on 2013 vehicle theft by city, which we included below.

Vehicle Theft by City In Alaska  
CityMotor
Vehicle
Theft
Anchorage869
Bethel45
Bristol Bay Borough6
Cordova2
Craig1
Dillingham12
Fairbanks103
Haines2
Homer10
Juneau36
Kenai18
Ketchikan6
Kodiak19
Kotzebue33
Nome6
North Pole6
North Slope Borough15
Palmer5
Petersburg3
Seward5
Sitka12
Skagway0
Soldotna8
Unalaska5
Valdez4
Wasilla43
Wrangell1

– Alaska’s Crash Report

Risky and harmful behavior plays a large role in fatality rates. We will look at Alaska’s fatalities and some of the issues that contribute to accidents, such as speeding and underage drinking.

One of the first statistics we are are going to delve deeper into is traffic fatalities.

Traffic Fatalities in Alaska by Road Type          
2008200920102011201220132014201520162017
Rural48383346393342335345
Urban14262326201831313033
Unknown0000000111
Total62645672595173658479

There are actually more fatalities on rural roads, usually due to the higher speeds that are reached on rural roads compared to urban roads. Person type also shows trends in fatalities, such as vehicle type and pedestrian versus occupant.

Alaska Traffic Deaths by Person Type
     
20132014201520162017
Passenger Car Occupants101981622
Light Pickup Truck Occupants 614141813
Light Utility Truck Occupants11791811
Large Truck Occupants21020
Other/Unknown Occupants64558
Van Occupants02662
Bus Occupants01000
Motorcyclists981166
Pedestrians614121214
Bicyclists and Other Cyclists 13011
Other/Unknown Non-occupants00002
State Total5173658479

Crash type is also an important factor in fatality rates.

Alaska Fatalities by Crash Type
     
Crash Type20132014201520162017
Total Fatalities (All Crashes)5173658479
- (1) Single Vehicle3341415751
- (2) Involving a Large Truck45145
- (3) Involving Speeding2218223626
- (4) Involving a Rollover1721153320
- (5) Involving a Roadway Departure3243366448
- (6) Involving an Intersection (or Intersection Related)815141318

Up next, crash statistics by counties in Alaska.

5 year Trend for the Top 10 Counties in Alaska     
County Name20132014201520162017
Anchorage Borough1725262118
Matanuska-Susitna Borough1114152021
Fairbanks North Star Borough7119812
Kenai Peninsula Borough466116
Denali Borough14014
Bethel Census Area11214
Yukon-Koyukuk Census Area11131
Southeast Fairbanks Census Area22141
Valdez-Cordova Census Area21040
Wade Hampton Census Area12201

Speeding is a major contributor to fatalities in Alaska. Keep scrolling to see the number of speeding fatalities in each county.

Speeding Deaths by County in Alaska     
County Name20132014201520162017
Aleutians East Borough00000
Aleutians West Census Area00030
Anchorage Borough83543
Bethel Census Area10013
Bristol Bay Borough00000
Denali Borough13002
Dillingham Census Area10000
Fairbanks North Star Borough35375
Haines Borough00000
Juneau Borough01000
Kenai Peninsula Borough22054
Ketchikan Gateway Borough00010
Kodiak Island Borough00000
Lake And Peninsula Borough00000
Matanuska-Susitna Borough521174
Nome Census Area00003
North Slope Borough00010
Northwest Arctic Borough00000
Prince Of Wales-Outer Ketchikan Census
Area00001
Sitka Borough00000
Skagway-Hoonah-Angoon Census Area00010
Skagway-Yakutat-Angoon Census Area00000
Southeast Fairbanks Census Area01030
Valdez-Cordova Census Area00030
Wade Hampton Census Area01201
Wrangell-Petersburg Census Area00000
Yakutat Borough00000
Yukon-Koyukuk Census Area10100

Another major contributor to crash fatalities is drunk driving. Below, we’ve taken a look at the fatalities involving an alcohol-impaired driver.

Alaska Drunk Driving Deaths by County     
County Name20132014201520162017
Aleutians East Borough00000
Aleutians West Census Area00130
Anchorage Borough57755
Bethel Census Area10112
Bristol Bay Borough00000
Denali Borough11001
Dillingham Census Area10000
Fairbanks North Star Borough23431
Haines Borough00000
Juneau Borough01001
Kenai Peninsula Borough12130
Ketchikan Gateway Borough00010
Kodiak Island Borough10000
Lake And Peninsula Borough00000
Matanuska-Susitna Borough23586
Nome Census Area01004
North Slope Borough00010
Northwest Arctic Borough00000
Prince Of Wales-Outer Ketchikan Census Area00001
Sitka Borough00000
Skagway-Hoonah-Angoon Census Area00010
Skagway-Yakutat-Angoon Census Area00000
Southeast Fairbanks Census Area10020
Valdez-Cordova Census Area11020
Wade Hampton Census Area02201
Wrangell-Petersburg Census Area00000
Yakutat Borough00000
Yukon-Koyukuk Census Area00100

A sobering fact of drunk driving is that a percentage of these drivers are teens. In 2016, law enforcement arrested 31 underage drivers for drunk driving.

Alaska’s fatality rate for underage drunk driving is 1.4 fatalities per 100,000 people, which is ABOVE the national average of 1.2 fatalities.

Now that we have covered drunk driving fatalities and arrests, let’s jump into EMS response time in Alaska.

– EMS Response Time in Alaska

When you are injured in an accident, you need help to arrive quickly. Alaska’s EMS response times are listed below, and the numbers look good. It takes less than an hour from the time of the crash to arrive at a hospital.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural2.91 min13.16 min39.33 min48.59 min47
Urban0.84 min6.18 min22.00 min28.83 min30

– Transportation in Alaska

Do you own more than one car? If you do, you are not alone. The average number of cars Alaskans own is two. 

In Alaska, the average commute is 17 minutes. This number is significantly better than the national average, which is 25.3 minutes. That’s eight minutes less on commute time!

So we’ve covered commute time, but what about how people commute?

Quite a few Alaskans drive alone to work, but surprisingly, walking to work is also a popular option.

– Traffic Congestion in Alaska

NONE of Alaska’s cities made it onto INRIX’s scorecard for global traffic. This is great news! It means that even in some of the busiest Alaska cities, the small amount of time spent in traffic is not worth mentioning.

Since Alaska’s average commute time is 17 minutes, it makes sense that Alaskans are not spending time sitting in traffic.

We hope this comprehensive guide has proved useful. Now that you are knowledgeable about Alaska’s insurance and state rules, you are ready to drive through Alaska’s beautiful state. Start comparing car insurance today by clicking on our FREE online tool and entering your zip code!

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