Auto Insurance in Unalakleet, Texas

Auto insurance is a critical aspect of responsible vehicle ownership in Unalakleet, Texas. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Texas.

Understanding Vehicle Coverage in Unalakleet

When it comes to vehicle coverage in Unalakleet, Texas, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Texas

Car insurance holds paramount importance in Texas, and Unalakleet is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Texas, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Unalakleet, Texas involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Texas, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Unalakleet, Texas, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Unalakleet Texas Auto Coverage

Understanding the intricacies of auto insurance coverage in Unalakleet, Texas, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Texas law, and additional coverage options that residents in Unalakleet might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Unalakleet have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Texas: Every state, including Texas, has its own set of minimum auto insurance requirements. In Texas, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Unalakleet: While meeting the state's minimum requirements is mandatory, many Unalakleet residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Unalakleet requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Unalakleet Texas

Affordable Auto Insurance in Unalakleet, Texas is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Unalakleet:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Texas, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Unalakleet.

Unalakleet Car Insurance Rates

Car insurance rates in Unalakleet, Texas, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Texas, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Unalakleet, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Unalakleet, Texas:

Keeping an eye on insurance rate trends in Unalakleet is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Unalakleet market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Unalakleet, Texas.

Best Auto Insurance Companies in Unalakleet

When it comes to securing the best auto insurance in Unalakleet, Texas, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Unalakleet residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Unalakleet Assurance Services

• Why Choose Unalakleet Assurance: Known for its local presence and personalized service, Unalakleet Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Unalakleet Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Unalakleet Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Unalakleet, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Unalakleet, Texas

Insuring your vehicle in Unalakleet involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Unalakleet

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Unalakleet residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Unalakleet residents.

Tips for Insuring Your Car in Unalakleet

Insuring your car in Unalakleet, Texas, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Texas's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Texas.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Unalakleet becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Unalakleet Texas

When it comes to securing auto insurance in Unalakleet, Texas, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Unalakleet, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Texas's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Unalakleet area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Unalakleet region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Unalakleet:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Unalakleet. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Unalakleet. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Unalakleet not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Unalakleet, Texas

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Unalakleet residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Unalakleet, Texas, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Unalakleet, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Texas's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Texas. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Unalakleet, Texas, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Unalakleet's unique risks can help vehicle owners make informed decisions about their insurance coverage.

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• The Ultimate 2024 Alaska Auto Insurance Guide (Costs + Coverage)

• Alaska auto insurance costs about $1,028 for a combined liability, collision, and comprehensive policy. 15 percent of Alaska's drivers are uninsured, making Alaska the 11th worst state in the US for uninsured drivers. State Farm has the lowest rates in the state with an average rate of $2,228, followed by USAA with an average rate of $2,454.

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• Kalyn Johnson

• Insurance Claims Support & Sr. Adjuster

• Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

• Insurance Claims Support & Sr. Adjuster

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• Dorothea Hudson

• Insurance and Finance Writer

• Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

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• UPDATED: Feb 16, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• Alaska OverviewDetails Road Miles in State15.728 Vehicles Registered in State768,343 Population737,438 Most Popular VehicleF150 Uninsured/Underinsured %15.4% Total Driving Related DeathsSpeeding: 26 DUI: 22 Average PremiumsLiability: $539.68 Collision: $350.81 Comprehensive: $137.26 Combined: $1,027.75 Cheapest ProviderState Farm

• If you visit the state of Alaska, you might be greeted with one of 20 indigenous languages recognized by the state. The greeting above is in the Deg Xinag language of the Deg Hit’an people. It translates to “Hello, how are you?”

• In Alaska, there are more vehicles registered in the state than there are drivers, with 768,343 vehicles registered. And while there are few road connections in the state of Alaska, with as many drivers as there are in the state, Alaska auto insurance will most likely be a topic on your mind.

• You might be wondering where to even start looking. Well, look no further! We are here to help. We’ve made this handy-dandy guide to help you with all the ins and outs when it comes to automobile insurance in Alaska.

• We will look at a variety of topics for driving in The Last Frontier, including insurance coverage, providers in the state, specific rules in Alaska, and a whole lot more! This includes the following topics:

• We even have a section about high-risk insurance, which can help if you’re a driver that has been labeled high-risk and needs an SR-22 or other type of high-risk insurance.

• Compare auto insurance rates in Alaska today with our free online comparison tool. Just enter your ZIP code and compare policies today. Want to jump to a specific section? Click below to go to that section.

• Table of Contents Toggle Alaska Auto Insurance Coverage and RatesMinimum Requirements in AlaskaRequired Forms of Financial Responsibility in AlaskaPremiums as a Percentage of IncomeCore Coverage in AlaskaAdditional Liability CoverageAdd-ons, Endorsements, and RidersElectronic, Audio, and Visual Equipment CoverageMale vs. Female Auto Insurance RatesCheapest Auto Insurance Rates by Zip Code and CityAlaska Auto Insurance CompaniesThe Largest Companies’ Financial RatingsCompanies with the Most Complaints in AlaskaAlaska Auto Insurance Rates by Company in AlaskaCheapest Commute Rates by Company in AlaskaCheapest Coverage Level Rates in AlaskaCheapest Credit History Rates in AlaskaCheapest Driving Record Rates in AlaskaNumber of Insurers in AlaskaFind the Cheapest Insurance in Alaska CitiesAlaska State LawsAlaska’s Auto Insurance LawsHigh-Risk Insurance in AlaskaLow-Cost Insurance in AlaskaWindshield CoverageAutomobile Insurance Fraud in AlaskaThe Statute of Limitations in AlaskaReport Every Dangerous Driver Immediately (REDDI)Vehicle Licensing LawsNew Secure Driver License FeaturesTeen Driver Laws in AlaskaOlder Driver License Renewal Procedures in AlaskaNew Residents in AlaskaLicense Renewal Procedures in AlaskaNegligent Drivers in AlaskaAlaska’s Rules of the RoadFault versus No-FaultKeep Right and Move Over LawsSpeed Limits in AlaskaSeat Belt and Car Laws in AlaskaRidesharingAutomationAlaska DUI and Marijuana-Impaired Driving LawsDistracted Driving LawsAlaska Can’t-Miss FactsVehicle Theft in AlaskaTraffic Fatalities in AlaskaEMS Response Times in AlaskaTransportation in AlaskaCar Ownership in AlaskaCommute Time in AlaskaCommuter Transportation in AlaskaTraffic Congestion in AlaskaFrequently Asked Questions: Alaska Auto Insurance and Worst Insurance Companies#1 – How much is auto insurance in Alaska?#2 – Is auto insurance more expensive in Alaska?#3 – Does Alaska require auto insurance?#4 – Who has the cheapest auto insurance?#5 – What is the penalty for driving without insurance in Alaska?#6 – What are the worst insurance companies?

• Table of Contents

• Alaska Auto Insurance Coverage and Rates

• In Alaska, it is home to nearly 1,100 vertebrate (backbone) species of wildlife. If you’re lucky, you might catch a glimpse of moose fighting right in your front yard.

• Hopefully, wildlife won’t destroy your car. But you will need to know, in the midst of all the insurance policies out there, which ones will offer you the best rates and coverage to fit your needs.

• And we’ve done all the heavy lifting for you!

• We’ve gone through and explained you’re going to want to know to help you make the best decision possible. In this section, we’ll go over minimum coverage, core coverage, forms of financial responsibility, and more.

• Keep reading! Skip ahead to the section you want to learn more about in this section by clicking on any of the topics below:

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• Minimum Requirements in Alaska

• Alaska requires minimum liability coverage in order to legally drive. Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.

• The minimum liability you must have to drive in Alaska is as follows:

• Alaska ranks at 11th in the United States for uninsured drivers – with about 15 percent of motorists uninsured–it’s important to know that you need, at the minimum, liability insurance.

• Why are so many drivers in Alaska uninsured or underinsured? According to the lawyers at Merdes Law Office in Anchorage:

• Many drivers carry sufficient insurance that follows federal guidelines but does not comply with Alaska insurance laws.

• This minimum liability coverage is referred to as 50/100/25. And these amounts are so high because

• Alaska state law imposes strict lower and upper limits upon uninsured and underinsured motorist insurance policies. These limits are intended to protect drivers from other motorists who fail to carry adequate insurance in case of an accident, limiting the punitive liability of insurance carriers.

• Keep in mind that 50/100/25 is just the MINIMUM amount you need to carry. That means that if you were to get into an accident and you only have the minimum, you may quickly run out of money. You will then have to pay for the rest out of your own pocket.

• Alaska is an “at-fault” accident state. This means, if you are in an accident and it’s your fault, you are responsible for any personal injury or property claims.

• There are additional coverage options you can add to your insurance policy (which we will talk about later).

• For now, let’s head up north to Alaska and find out more about what’s required when it comes to auto insurance!

• Required Forms of Financial Responsibility in Alaska

• Not only do you need forms of financial responsibility if you have vehicles that transport oil, but also you need forms of financial responsibility when it comes to driving your car in The Last Frontier.

• Alaska requires you to have the minimum liability coverage (remember, it’s 50/100/25), and the law (Alaska Statute 28.22.019) also requires that every driver has some form of proving financial responsibility (also known as proof of insurance). This can be in the form of:

• A driver who is involved in an accident MUST show proof of motor vehicle liability insurance if the following has happened:

• According to the Alaska DMV:

• The Division of Motor Vehicles must suspend the driver’s license, privilege to drive or privilege to obtain a license of drivers who fail to provide proof of liability insurance. The suspension period can be 90 days to 1 year depending on prior license actions. The license suspension will occur even if the driver is not at fault in the collision.

• To avoid having your license suspended, make sure you have proof of insurance at all times.

• Premiums as a Percentage of Income

• In 2017, the annual per capita disposable personal income in Alaska was $49,756.

• What in the world is disposable personal income? I’m going to tell you.

• Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

• The average annual cost of auto insurance in Alaska is $1,050, which is about 2 percent of the average disposable personal income.

• The average Alaska resident has $4,146 each month to spend on the necessities. The auto insurance bill alone will deduct close to $100 out of that — and even more than that with a less-than-perfect driving record.

• American Consumer Credit Counseling suggests saving 20 percent of every paycheck.  With Alaska’s DPI, that’s a whopping $829 each month! How much are you putting aside for savings?

• Read more: How To Deduct Your Car Insurance From Your Taxes

• Core Coverage in Alaska

• The data below comes from the National Association of Insurance Commissioners (NAIC), a leading source on the matter.

• Core Auto Insurance Coverage Costs in ArizonaCosts Liability$539.68 Collision$350.81 Comprehensive$137.26 Combined$1,027.75

• Keep in mind, these rates are likely to increase for 2019 and on.

• Don’t forget: Alaska has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Alaska.

• Listen to the experts. You’ll thank them, and us, later for the extra coverage.

• Additional Liability Coverage

• Loss Ratio201220132014 Medical Payments (Med Pay)49%47%44% Uninsured/Underinsured Motorist77%60%63%

• Med Pay, Uninsured, and Underinsured Motorist coverage are all optional in Alaska, but they’re still important to have. Why? In 2015, 13 percent of motorists in the US were uninsured, and 15 percent of motorists in Alaska are also uninsured— these drivers would likely go bankrupt before they could pay off bills for damage and injuries they caused in a car accident.

• Alaska ranked 11th in the nation in 2015 for uninsured or underinsured drivers

• Alaska has been on a downward decline as far as loss ratio is concerned.

• Add-ons, Endorsements, and Riders

• Good news: there are lots of powerful but cheap extras you can add to your policy.

• Electronic, Audio, and Visual Equipment Coverage

• This type of protection covers the theft of electronic equipment that was installed in your vehicle by the factory or that is permanently installed in the dashboard.

• In addition, “theft of CDs or other media may be included in this coverage or added as a separate coverage. Most policies place a limit, such as $100, $250, or $500, on recovery under this coverage.”

• Male vs. Female Auto Insurance Rates

• Throughout this guide, we are going to go over a large selection of factors that can potentially play a factor into what insurance rate you’re going to receive. In this case, it’s your own gender that can affect rates!

• 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

• Rates in Alaska do not seem astronomical when comparing both age and gender. Rates seem to be about the same for married 35-year-olds and married 60-year-olds regardless of gender.

• If you are a young and single female, you will be paying slightly less for auto insurance. Young and single males will be paying a bit more when it comes to auto insurance.

• One thing to remember: your coverage limits and your driving record will play a major role in your costs.

• Cheapest Auto Insurance Rates by Zip Code and City

• Where you live also contributes to your auto insurance rates. We’ve gone through and collected data on some of the most expensive, and least expensive, zip codes. Check below to see where your zip code falls!

• ZipcodeAverage 99504$3,132.74 99567$3,124.36 99577$3,111.36 99508$3,101.13 99645$3,091.71 99502$3,086.19 99507$3,083.15 99518$3,080.49 99503$3,074.51 99599$3,074.51 99501$3,074.22 99513$3,074.22 99529$3,074.22 99652$3,072.96 99654$3,072.96 99515$3,072.50 99517$3,068.87 99530$3,068.87 99674$3,060.28 99516$3,056.41 99540$3,026.69 99505$3,012.68 99506$2,988.70 99688$2,957.31 99694$2,957.31 99587$2,894.79 99701$2,885.50 99714$2,880.20 99712$2,876.34 99790$2,876.34 99703$2,876.16 99519$2,853.72 99716$2,848.08 99775$2,836.65 99693$2,833.93 99732$2,828.96 99738$2,828.96 99764$2,828.96 99776$2,828.96 99780$2,828.96 99705$2,827.17 99731$2,824.49 99737$2,824.49 99744$2,816.00 99702$2,812.87 99743$2,811.56 99682$2,809.91 99723$2,808.39 99709$2,808.39 99586$2,807.55 99566$2,803.40 99573$2,803.40 99588$2,803.40 99623$2,800.27 99755$2,798.16 99726$2,795.61 99740$2,795.61 99788$2,795.61 99733$2,794.05 99777$2,792.81 99729$2,791.41 99760$2,789.17 99759$2,785.45 99758$2,784.76 99569$2,782.22 99559$2,781.80 99609$2,781.80 99680$2,781.80 99690$2,781.80 99722$2,781.61 99781$2,781.61 99641$2,780.70 99679$2,780.70 99789$2,779.85 99765$2,778.82 99580$2,778.06 99782$2,777.14 99552$2,776.74 99557$2,776.74 99575$2,776.74 99637$2,776.74 99681$2,776.74 99757$2,776.10 99660$2,775.31 99548$2,774.57 99549$2,774.57 99565$2,774.57 99579$2,774.57 99648$2,774.57 99768$2,773.31 99791$2,773.31 99558$2,773.22 99745$2,773.22 99774$2,773.22 99683$2,773.04 99555$2,772.87 99670$2,772.79 99583$2,772.52 99649$2,772.50 99546$2,772.23 99628$2,771.83 99636$2,771.83 99590$2,771.15 99665$2,771.15 99724$2,771.15 99746$2,771.15 99576$2,770.80 99678$2,770.80 99704$2,770.55 99691$2,770.51 99547$2,770.44 99720$2,770.11 99571$2,769.72 99747$2,768.66 99553$2,768.36 99638$2,768.36 99561$2,768.35 99578$2,768.35 99589$2,768.35 99614$2,768.35 99651$2,768.35 99656$2,768.35 99748$2,768.35 99564$2,768.34 99756$2,768.06 99613$2,767.91 99602$2,767.62 99767$2,767.62 99622$2,766.81 99591$2,766.60 99606$2,766.27 99625$2,766.27 99640$2,766.27 99647$2,766.27 99653$2,766.27 99554$2,765.86 99563$2,765.86 99581$2,765.86 99585$2,765.86 99657$2,765.86 99662$2,765.86 99750$2,765.86 99751$2,765.86 99761$2,765.86 99766$2,765.86 99770$2,765.86 99773$2,765.86 99621$2,765.55 99630$2,765.55 99634$2,765.55 99668$2,765.55 99627$2,765.27 99675$2,765.27 99620$2,763.78 99632$2,763.78 99666$2,763.78 99763$2,763.78 99667$2,763.76 99658$2,763.47 99626$2,762.74 99650$2,762.74 99727$2,762.74 99736$2,762.74 99721$2,761.70 99749$2,761.70 99786$2,761.70 99741$2,761.39 99661$2,761.00 99612$2,760.52 99604$2,759.63 99752$2,757.55 99551$2,757.14 99684$2,755.14 99742$2,755.14 99769$2,755.14 99772$2,755.14 99659$2,754.67 99671$2,754.67 99607$2,754.35 99655$2,754.35 99754$2,753.07 99771$2,753.07 99784$2,752.03 99778$2,751.55 99633$2,750.95 99739$2,749.95 99676$2,748.05 99685$2,747.41 99753$2,746.84 99762$2,746.84 99783$2,746.84 99785$2,746.84 99730$2,746.75 99692$2,744.61 99603$2,737.91 99663$2,737.91 99556$2,730.16 99574$2,729.94 99677$2,729.94 99664$2,723.28 99686$2,721.92 99568$2,714.65 99639$2,710.25 99572$2,709.97 99610$2,709.61 99605$2,706.57 99631$2,706.57 99545$2,699.37 99672$2,697.41 99611$2,691.18 99669$2,682.68 99550$2,529.87 99608$2,529.87 99615$2,529.87 99624$2,529.87 99643$2,529.87 99644$2,529.87 99926$2,490.80 99925$2,490.45 99921$2,484.84 99689$2,473.28 99903$2,472.61 99929$2,471.16 99923$2,468.39 99922$2,465.25 99919$2,456.86 99927$2,455.82 99901$2,438.02 99918$2,438.02 99928$2,438.02 99801$2,391.42 99811$2,391.42 99821$2,391.42 99835$2,371.90 99836$2,371.90 99825$2,370.52 99840$2,370.50 99827$2,357.96 99826$2,355.81 99824$2,351.46 99833$2,351.30 99830$2,348.31 99832$2,348.31 99841$2,348.31 99829$2,348.11 99820$2,335.97

• We’ve also gone through and provided you with a list of the most expensive, and least expensive, cities for auto insurance. Enter your city into the search box to see where your city is on the list.

• CityAverageZipcodeAverage ANCHORAGE99501$3,074.2299504$3,132.74 CHUGIAK99502$3,086.1999567$3,124.36 EAGLE RIVER99503$3,074.5199577$3,111.36 ANCHORAGE99504$3,132.7499508$3,101.13 PALMER99505$3,012.6899645$3,091.71 ANCHORAGE99506$2,988.7099502$3,086.19 ANCHORAGE99507$3,083.1599507$3,083.15 ANCHORAGE99508$3,101.1399518$3,080.49 ANCHORAGE99513$3,074.2299503$3,074.51 ANCHORAGE99515$3,072.5099599$3,074.51 ANCHORAGE99516$3,056.4199501$3,074.22 ANCHORAGE99517$3,068.8799513$3,074.22 ANCHORAGE99518$3,080.4999529$3,074.22 BIG LAKE99519$2,853.7299652$3,072.96 WASILLA99529$3,074.2299654$3,072.96 ANCHORAGE99530$3,068.8799515$3,072.50 ANCHORAGE99540$3,026.6999517$3,068.87 ANCHORAGE99545$2,699.3799530$3,068.87 SUTTON99546$2,772.2399674$3,060.28 ANCHORAGE99547$2,770.4499516$3,056.41 INDIAN99548$2,774.5799540$3,026.69 JBER99549$2,774.5799505$3,012.68 JBER99550$2,529.8799506$2,988.70 WILLOW99551$2,757.1499688$2,957.31 HOUSTON99552$2,776.7499694$2,957.31 GIRDWOOD99553$2,768.3699587$2,894.79 FAIRBANKS99554$2,765.8699701$2,885.50 SALCHA99555$2,772.8799714$2,880.20 FAIRBANKS99556$2,730.1699712$2,876.34 FAIRBANKS99557$2,776.7499790$2,876.34 FORT WAINWRIGHT99558$2,773.2299703$2,876.16 ANCHORAGE99559$2,781.8099519$2,853.72 TWO RIVERS99561$2,768.3599716$2,848.08 FAIRBANKS99563$2,765.8699775$2,836.65 WHITTIER99564$2,768.3499693$2,833.93 CHICKEN99565$2,774.5799732$2,828.96 EAGLE99566$2,803.4099738$2,828.96 NORTHWAY99567$3,124.3699764$2,828.96 TANACROSS99568$2,714.6599776$2,828.96 TOK99569$2,782.2299780$2,828.96 NORTH POLE99571$2,769.7299705$2,827.17 FORT GREELY99572$2,709.9799731$2,824.49 DELTA JUNCTION99573$2,803.4099737$2,824.49 ANDERSON99574$2,729.9499744$2,816.00 EIELSON AFB99575$2,776.7499702$2,812.87 HEALY99576$2,770.8099743$2,811.56 TYONEK99577$3,111.3699682$2,809.91 BARROW99578$2,768.3599723$2,808.39 FAIRBANKS99579$2,774.5799709$2,808.39 GAKONA99580$2,778.0699586$2,807.55 CHITINA99581$2,765.8699566$2,803.40 COPPER CENTER99583$2,772.5299573$2,803.40 GLENNALLEN99585$2,765.8699588$2,803.40 #N/A99586$2,807.5599623$2,800.27 DENALI NATIONAL PARK99587$2,894.7999755$2,798.16 BETTLES FIELD99588$2,803.4099726$2,795.61 FORT YUKON99589$2,768.3599740$2,795.61 CHALKYITSIK99590$2,771.1599788$2,795.61 CIRCLE99591$2,766.6099733$2,794.05 TANANA99599$3,074.5199777$2,792.81 CANTWELL99602$2,767.6299729$2,791.41 NENANA99603$2,737.9199760$2,789.17 POINT LAY99604$2,759.6399759$2,785.45 MINTO99605$2,706.5799758$2,784.76 CLARKS POINT99606$2,766.2799569$2,782.22 BETHEL99607$2,754.3599559$2,781.80 KASIGLUK99608$2,529.8799609$2,781.80 TUNTUTULIAK99609$2,781.8099680$2,781.80 NIGHTMUTE99610$2,709.6199690$2,781.80 ARCTIC VILLAGE99611$2,691.1899722$2,781.61 VENETIE99612$2,760.5299781$2,781.61 NUNAPITCHUK99613$2,767.9199641$2,780.70 TULUKSAK99614$2,768.3599679$2,780.70 NUIQSUT99615$2,529.8799789$2,779.85 NULATO99620$2,763.7899765$2,778.82 EKWOK99621$2,765.5599580$2,778.06 WAINWRIGHT99622$2,766.8199782$2,777.14 AKIAK99623$2,800.2799552$2,776.74 ANIAK99624$2,529.8799557$2,776.74 CROOKED CREEK99625$2,766.2799575$2,776.74 TOKSOOK BAY99626$2,762.7499637$2,776.74 TUNUNAK99627$2,765.2799681$2,776.74 LAKE MINCHUMINA99628$2,771.8399757$2,776.10 SAINT PAUL ISLAND99630$2,765.5599660$2,775.31 CHIGNIK LAKE99631$2,706.5799548$2,774.57 PORT HEIDEN99632$2,763.7899549$2,774.57 CHIGNIK LAGOON99633$2,750.9599565$2,774.57 EGEGIK99634$2,765.5599579$2,774.57 PERRYVILLE99636$2,771.8399648$2,774.57 RUBY99637$2,776.7499768$2,773.31 ATQASUK99638$2,768.3699791$2,773.31 ANVIK99639$2,710.2599558$2,773.22 HUGHES99640$2,766.2799745$2,773.22 STEVENS VILLAGE99641$2,780.7099774$2,773.22 TRAPPER CREEK99643$2,529.8799683$2,773.04 ALEKNAGIK99644$2,529.8799555$2,772.87 SOUTH NAKNEK99645$3,091.7199670$2,772.79 FALSE PASS99647$2,766.2799583$2,772.52 PILOT POINT99648$2,774.5799649$2,772.50 ADAK99649$2,772.5099546$2,772.23 MANOKOTAK99650$2,762.7499628$2,771.83 NEW STUYAHOK99651$2,768.3599636$2,771.83 GRAYLING99652$3,072.9699590$2,771.15 SHAGELUK99653$2,766.2799665$2,771.15 BEAVER99654$3,072.9699724$2,771.15 HUSLIA99655$2,754.3599746$2,771.15 DILLINGHAM99656$2,768.3599576$2,770.80 TOGIAK99657$2,765.8699678$2,770.80 CLEAR99658$2,763.4799704$2,770.55 NIKOLAI99659$2,754.6799691$2,770.51 ATKA99660$2,775.3199547$2,770.44 ALLAKAKET99661$2,761.0099720$2,770.11 COLD BAY99662$2,765.8699571$2,769.72 KAKTOVIK99663$2,737.9199747$2,768.66 AKUTAN99664$2,723.2899553$2,768.36 NIKOLSKI99665$2,771.1599638$2,768.36 CHEFORNAK99666$2,763.7899561$2,768.35 EEK99667$2,763.7699578$2,768.35 GOODNEWS BAY99668$2,765.5599589$2,768.35 KIPNUK99669$2,682.6899614$2,768.35 PLATINUM99670$2,772.7999651$2,768.35 RED DEVIL99671$2,754.6799656$2,768.35 KALTAG99672$2,697.4199748$2,768.35 CHIGNIK99674$3,060.2899564$2,768.34 MANLEY HOT SPRINGS99675$2,765.2799756$2,768.06 KING SALMON99676$2,748.0599613$2,767.91 HOLY CROSS99677$2,729.9499602$2,767.62 RAMPART99678$2,770.8099767$2,767.62 KWIGILLINGOK99679$2,780.7099622$2,766.81 SAINT GEORGE ISLAND99680$2,781.8099591$2,766.60 ILIAMNA99681$2,776.7499606$2,766.27 LEVELOCK99682$2,809.9199625$2,766.27 NONDALTON99683$2,773.0499640$2,766.27 PEDRO BAY99684$2,755.1499647$2,766.27 PORT ALSWORTH99685$2,747.4199653$2,766.27 ALAKANUK99686$2,721.9299554$2,765.86 CHEVAK99688$2,957.3199563$2,765.86 EMMONAK99689$2,473.2899581$2,765.86 MARSHALL99690$2,781.8099585$2,765.86 RUSSIAN MISSION99691$2,770.5199657$2,765.86 SCAMMON BAY99692$2,744.6199662$2,765.86 KIVALINA99693$2,833.9399750$2,765.86 KOBUK99694$2,957.3199751$2,765.86 NOATAK99701$2,885.5099761$2,765.86 POINT HOPE99702$2,812.8799766$2,765.86 SELAWIK99703$2,876.1699770$2,765.86 SHUNGNAK99704$2,770.5599773$2,765.86 KWETHLUK99705$2,827.1799621$2,765.55 MEKORYUK99709$2,808.3999630$2,765.55 NAPAKIAK99712$2,876.3499634$2,765.55 SLEETMUTE99714$2,880.2099668$2,765.55 MC GRATH99716$2,848.0899627$2,765.27 TAKOTNA99720$2,770.1199675$2,765.27 KOTLIK99721$2,761.7099620$2,763.78 MOUNTAIN VILLAGE99722$2,781.6199632$2,763.78 NUNAM IQUA99723$2,808.3999666$2,763.78 NOORVIK99724$2,771.1599763$2,763.78 SKWENTNA99726$2,795.6199667$2,763.76 SAINT MARYS99727$2,762.7499658$2,763.47 LOWER KALSKAG99729$2,791.4199626$2,762.74 PILOT STATION99730$2,746.7599650$2,762.74 BUCKLAND99731$2,824.4999727$2,762.74 DEERING99732$2,828.9699736$2,762.74 ANAKTUVUK PASS99733$2,794.0599721$2,761.70 KIANA99736$2,762.7499749$2,761.70 AMBLER99737$2,824.4999786$2,761.70 GALENA99738$2,828.9699741$2,761.39 SAND POINT99739$2,749.9599661$2,761.00 KING COVE99740$2,795.6199612$2,760.52 HOOPER BAY99741$2,761.3999604$2,759.63 KOTZEBUE99742$2,755.1499752$2,757.55 AKIACHAK99743$2,811.5699551$2,757.14 UNALAKLEET99744$2,816.0099684$2,755.14 GAMBELL99745$2,773.2299742$2,755.14 SAVOONGA99746$2,771.1599769$2,755.14 SHISHMAREF99747$2,768.6699772$2,755.14 SAINT MICHAEL99748$2,768.3599659$2,754.67 STEBBINS99749$2,761.7099671$2,754.67 KALSKAG99750$2,765.8699607$2,754.35 QUINHAGAK99751$2,765.8699655$2,754.35 KOYUKUK99752$2,757.5599754$2,753.07 SHAKTOOLIK99753$2,746.8499771$2,753.07 WHITE MOUNTAIN99754$2,753.0799784$2,752.03 TELLER99755$2,798.1699778$2,751.55 NAKNEK99756$2,768.0699633$2,750.95 ELIM99757$2,776.1099739$2,749.95 TALKEETNA99758$2,784.7699676$2,748.05 UNALASKA99759$2,785.4599685$2,747.41 KOYUK99760$2,789.1799753$2,746.84 NOME99761$2,765.8699762$2,746.84 WALES99762$2,746.8499783$2,746.84 BREVIG MISSION99763$2,763.7899785$2,746.84 CENTRAL99764$2,828.9699730$2,746.75 DUTCH HARBOR99765$2,778.8299692$2,744.61 HOMER99766$2,765.8699603$2,737.91 SELDOVIA99767$2,767.6299663$2,737.91 ANCHOR POINT99768$2,773.3199556$2,730.16 CORDOVA99769$2,755.1499574$2,729.94 TATITLEK99770$2,765.8699677$2,729.94 SEWARD99771$2,753.0799664$2,723.28 VALDEZ99772$2,755.1499686$2,721.92 CLAM GULCH99773$2,765.8699568$2,714.65 NINILCHIK99774$2,773.2299639$2,710.25 COOPER LANDING99775$2,836.6599572$2,709.97 KASILOF99776$2,828.9699610$2,709.61 HOPE99777$2,792.8199605$2,706.57 MOOSE PASS99778$2,751.5599631$2,706.57 KONGIGANAK99780$2,828.9699545$2,699.37 STERLING99781$2,781.6199672$2,697.41 KENAI99782$2,777.1499611$2,691.18 SOLDOTNA99783$2,746.8499669$2,682.68 PORT LIONS99784$2,752.0399550$2,529.87 KARLUK99785$2,746.8499608$2,529.87 KODIAK99786$2,761.7099615$2,529.87 LARSEN BAY99788$2,795.6199624$2,529.87 OLD HARBOR99789$2,779.8599643$2,529.87 OUZINKIE99790$2,876.3499644$2,529.87 METLAKATLA99791$2,773.3199926$2,490.80 KLAWOCK99801$2,391.4299925$2,490.45 CRAIG99811$2,391.4299921$2,484.84 YAKUTAT99820$2,335.9799689$2,473.28 MEYERS CHUCK99821$2,391.4299903$2,472.61 WRANGELL99824$2,351.4699929$2,471.16 HYDER99825$2,370.5299923$2,468.39 HYDABURG99826$2,355.8199922$2,465.25 THORNE BAY99827$2,357.9699919$2,456.86 POINT BAKER99829$2,348.1199927$2,455.82 KETCHIKAN99830$2,348.3199901$2,438.02 COFFMAN COVE99832$2,348.3199918$2,438.02 WARD COVE99833$2,351.3099928$2,438.02 JUNEAU99835$2,371.9099801$2,391.42 JUNEAU99836$2,371.9099811$2,391.42 AUKE BAY99840$2,370.5099821$2,391.42 SITKA99841$2,348.3199835$2,371.90 PORT ALEXANDER99901$2,438.0299836$2,371.90 ELFIN COVE99903$2,472.6199825$2,370.52 SKAGWAY99918$2,438.0299840$2,370.50 HAINES99919$2,456.8699827$2,357.96 GUSTAVUS99921$2,484.8499826$2,355.81 DOUGLAS99922$2,465.2599824$2,351.46 PETERSBURG99923$2,468.3999833$2,351.30 KAKE99925$2,490.4599830$2,348.31 PELICAN99926$2,490.8099832$2,348.31 TENAKEE SPRINGS99927$2,455.8299841$2,348.31 HOONAH99928$2,438.0299829$2,348.11 ANGOON99929$2,471.1699820$2,335.97

• Anchorage is the city with one of the highest average insurance rates. Interested in seeing how you can get cheap insurance rates in Anchorage? Check out our complete guide to auto insurance in Anchorage to see how you can save on insurance in the largest city in Alaska.

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• Alaska Auto Insurance Companies

• With the hundreds of auto insurance providers out there, it’s nearly impossible to know who you can trust or when is the right time to switch (if ever!).

• Let us help you figure that out!

• Keep reading to get the inside scoop on who the best providers are (and why) across The Last Frontier.

• Want to jump straight to the topic in this section you’re looking for? Click on the topic below to straight to what you want to learn more about:

• The Largest Companies’ Financial Ratings

• Check out where the largest insurance companies in Alaska rank based on their AM Best Rating, which is a financial rating car companies use to measure their financial strength.

• CompanyRating State FarmA++ USAAA++ GeicoA++ AllstateA+ ProgressiveA+ Liberty MutualA Country Insurance & Financial Service GroupNot Rated Hartford Fire & Casualty A+ Tiptree FinancialNot Rated Horace MannA

• Two companies (Country Insurance & Financial Service Group and Tiptree Financial) do not have an AM Best Rating. As such, it would be up to you as the consumer to look into the quality of the company.

• Companies with the Most Complaints in Alaska

• A bad review and complaint every now and again is par for the course for any business. But when there are multiple bad reviews and complaints, the time has come to start paying attention!

• The state of Alaska will help you out as much as they can with your complaints, as they have a department that handles this.

• Now that you know, here are the companies in Alaska with the most customer complaints:

• Companies with the Most ComplaintsTotal Complaints in 2016 (according to a 2017 Report) Allstate5 Progressive8 State Farm6 United Serv Automobile Association Group 8

• Good news! Not many auto insurance companies in Alaska are on this list, and if there are complaints, the numbers are low. Still, do your research when it comes to auto insurance companies!

• Alaska Auto Insurance Rates by Company in Alaska

• State Farm seems to have the best annual rates when it comes to auto insurance.

• CompanyAverage Allstate F&C$3,145.31 Geico General$2,879.95 Progressive Direct$3,062.85 State Farm Mutual Auto$2,228.12 USAA$2,454.20

• Cheapest Commute Rates by Company in Alaska

• Depending on the company, how far you drive each day can influence your insurance rates.

• Company Commute (in miles) Annual MileageAnnual Average Allstate2512,000$3,206.78 Allstate106,000$3,083.83 Progressive106,000$3,062.85 Progressive2512,000$3,062.85 Geico2512,000$2,916.47 Geico106,000$2,843.44 USAA256,000$2,496.39 USAA1012,000$2,412.02 State Farm2512,000$2,289.34 State Farm106,000$2,166.89

• In Alaska, it seems the less you commute, the more you save. Only Progressive has the same rates, no matter the length of the commute.

• Cheapest Coverage Level Rates in Alaska

• CompanyCoverage TypeAnnual Average Liberty MutualHigh$5,558.30 Liberty MutualMedium$5,267.49 Liberty MutualLow$5,051.39 ProgressiveHigh$4,463.45 FarmersHigh$4,459.72 State FarmHigh$4,324.68 FarmersMedium$4,123.31 State FarmMedium$4,089.03 ProgressiveMedium$4,039.29 FarmersLow$3,947.19 State FarmLow$3,895.87 TravelersHigh$3,804.37 TravelersMedium$3,769.91 ProgressiveLow$3,721.57 TravelersLow$3,514.54 AllstateHigh$3,386.12 AllstateMedium$3,244.05 AllstateLow$3,163.60 GeicoHigh$3,064.88 GeicoMedium$2,847.91 NationwideHigh$2,693.25 GeicoLow$2,691.69 NationwideLow$2,643.86 NationwideMedium$2,633.00 USAAHigh$2,293.51 USAAMedium$2,197.54 USAALow$2,146.16

• You have to decide, as the consumer, if less coverage means better coverage. Lots of factors may go into deciding between low and high coverage, such as price and what is covered. USAA offers the best deals when it comes to all levels of coverage, according to the chart above.

• Cheapest Credit History Rates in Alaska

• When you apply for insurance, you might be asked to provide information on any kind of bankruptcy, credit problems, or judgments against you. Any insurance company can ask for your permission to obtain a credit report or will disclose that credit information will be used for auto insurance quotes.

• Alaska Statute 21.36.460 states that it “sets limits on the types of credit information that may be used, what consideration it may be given, and how often it may be considered.”

• Here are the rates for auto insurance in Alaska, considering credit history:

• CompanyCredit HistoryAnnual Average AllstatePoor$3,717.53 ProgressivePoor$3,344.30 USAAPoor$3,341.50 GeicoPoor$3,273.06 State FarmPoor$3,082.77 ProgressiveFair$2,992.23 AllstateFair$2,961.29 ProgressiveGood$2,852.01 GeicoFair$2,845.02 AllstateGood$2,757.09 GeicoGood$2,521.78 USAAFair$2,189.01 State FarmFair$1,992.76 USAAGood$1,832.10 State FarmGood$1,608.81

• Your credit history can work for, or against you when it comes to auto insurance. But what about your driving record?

• Cheapest Driving Record Rates in Alaska

• Much like credit history, your driving record can work for you, or against you, when it comes to the cost of your auto insurance in Alaska.

• CompanyDriving RecordAnnual Average GeicoWith 1 DUI$4,320.46 AllstateWith 1 DUI$3,541.83 AllstateWith 1 accident$3,541.27 ProgressiveWith 1 accident$3,512.71 USAAWith 1 DUI$3,231.71 ProgressiveWith 1 speeding violation$3,086.55 GeicoWith 1 accident$3,044.11 AllstateWith 1 speeding violation$2,987.51 ProgressiveWith 1 DUI$2,911.35 ProgressiveClean record$2,740.77 AllstateClean record$2,510.60 USAAWith 1 accident$2,473.74 State FarmWith 1 accident$2,424.84 State FarmWith 1 DUI$2,228.13 State FarmWith 1 speeding violation$2,228.13 USAAWith 1 speeding violation$2,182.92 GeicoWith 1 speeding violation$2,096.36 GeicoClean record$2,058.90 State FarmClean record$2,031.37 USAAClean record$1,928.44

• Some companies might offer “Good Driver” discounts if you have been accident-free or violation-free for a certain number of years, so be sure to check with your insurance carrier!

• Number of Insurers in Alaska

• In the state of Alaska, State Farm has a big hold on the state in terms of market share. Horace Mann holds the lowest.

• CompanyPremiums WrittenMarket Share State Farm$133,81628.55% USAA$83,68717.86% Geico$82,63717.63% Allstate$59,50712.70% Progressive$50,92210.86% Liberty Mutual$16,3373.49% Country Insurance & Financial Service Group$14,0423.00% Hartford Fire & Casualty$10,3322.20% Tiptree Financial$4,9381.05% Horace Mann$4,7481.01%

• When it comes to insurers, there are domestic insurers and foreign insurers.

• What is the difference, you may ask?

• Say you live in Alaska and you get your insurance policy from a provider in Alaska. You have purchased from a domestic insurer, as your policy is tailored to the laws under Alaska.

• Now let’s say, for example, you moved from Oregon to Alaska. Your insurance policy was purchased while you were in Oregon. Your policy is considered foreign insurance as it was formed under Oregon laws and not Alaska’s.

• Alaska has four domestic insurers and 397 foreign insurers.

• Why so many foreign insurers?

• Geico, for instance, is a major insurance provider that provides coverage all across the United States. They would be considered a foreign insurer because they are a chain located in multiple states.

• Meanwhile, there might be a small-town provider located only in Alaska. They would be considered domestic because they don’t have any other locations in any other state.

• You still are legally allowed to drive even if you have foreign insurance, as long as you make sure you have the minimum liability coverage for Alaska. If you don’t, talk to your insurance provider to make the change.

• Find the Cheapest Insurance in Alaska Cities

• This section provides a brief comparison of insurance rates in key Alaska cities: Anchorage, Fairbanks, and Kenai. Finding affordable insurance is crucial for residents seeking optimal coverage. Whether in urban Anchorage or smaller communities like Fairbanks and Kenai, drivers can use this data to secure the cheapest insurance options available, ensuring suitable coverage at the best rates.

• Find the Cheapest Insurance in Your City Anchorage, AK Fairbanks, AK Kenai, AK

• Alaska State Laws

• In order to keep your auto insurance rates low, you need to know the laws in your state so you don’t get a fine. Don’t worry! We’re here to help.

• Keep reading to learn about the laws specific to the state of Alaska.

• Alaska’s Auto Insurance Laws

• Alaska has a number of specific laws unique to their state, so be aware (especially if you’re a new resident or just passing through!).

• You can read up on the specifics of some of its laws and fining procedures below to avoid incurring fees and possible insurance rate increases.

• High-Risk Insurance in Alaska

• Sometimes, bad things happen to you on the road and your record ends up being less-than-stellar. In Alaska, a high-risk driver must get a type of insurance called an SR-22.

• Here are some reasons Alaska drivers need an SR-22 once they’re driving privileges are reinstated:

• If you cannot get insurance coverage, you might be eligible for coverage under the Alaska Automobile Insurance Plan, or AAIP.

• Low-Cost Insurance in Alaska

• There are no special programs in Alaska for low-cost auto insurance, so it is up to you to make sure you are getting the best rates!

• You can ask your provider if they offer discounts for:

• Windshield Coverage

• In Alaska, there are no laws that are unique to windshields. Also, there is no information about OEM versus aftermarket parts, or choice of repair shops.

• Teleglass has this to point out about windshield coverage:

• The state of Alaska has the standard insurance coverages in regards to autoglass coverage. Coverage for an autoglass loss would fall under the comprehensive coverage portion of your personal auto policy (PAP).

• In Alaska, there are no state mandated waivers for deductibles in relation to auto glass. If you have a PAP in the state of Alaska, the deductible amount you selected under your comprehensive coverage would apply.

• Automobile Insurance Fraud in Alaska

• The Alaska Division of Insurance takes fraud VERY seriously:  “Our investigators look for potentially fraudulent activity, including claimant, agent, insurer, medical care provider, and workers’ compensation fraud.”

• On the Division of Insurance website, it lists 10 cases of insurance fraud alone. Long story short:  don’t commit insurance fraud. It isn’t worth jail time.

• The Statute of Limitations in Alaska

• 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. This amount of time is known as the statute of limitations. Here’s the amount of time you have to file claims:

• Report Every Dangerous Driver Immediately (REDDI)

• Alaska has an initiative known as Report Every Dangerous Driver Immediately, or “REDDI”. Signs of dangerous driving, according to the Alaska Highway Safety Office, include:

• If you happen to see a dangerous driver, dial 911 immediately to report it!

• Vehicle Licensing Laws

• Alaska requires all drivers to have insurance. As such, there are strict penalties in place for driving without it.

• Look at the penalties below, and decide if it’s worth driving without insurance:

• Alaska doesn’t have fines, which is nice. But that won’t do you any good if you’re not able to drive at all!

• If you break the law by driving without insurance, your car’s registration will not be suspended (again, which is nice!), but Alaska WILL suspend your license. 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.

• Your decision as to whether you have insurance or not, but a suspended license is the consequence.

• New Secure Driver License Features

• On October 1, 2021, Alaska will require ALL state residents to obtain an Alaska Real ID.

• Now, I know it’s a pain in the butt to go to the DMV to renew your license, but the Real ID will allow you to use your ID “as identification to access federal buildings, including military installations, and board commercial, domestic flights without additional documentation.”

• Not having to have any additional identification and just carry one card around seems worth the wait in line at the DMV!

• Note:  if you are going to travel internationally, you will still need a passport.

• You need the following to apply for your ID:

• Teen Driver Laws in Alaska

• If you are a teen in Alaska, you can get a learner’s permit at the age of 14. However, this does not equate to getting your license faster, as you still have to wait until you are 16 to get your driver’s license. 

• When it comes to the requirements and restrictions, take note teens (or if you are the parent of a teen ready to learn to drive).

• Read more: How To Get Insurance On Your Driver’s License

• Mandatory Holding PeriodMinimum Supervised Driving TimeMinimum AgeRestrictions 6 months40 hours (10 of which must be at night or in inclement weather)16Nighttime: 1 a.m. to 5 a.m.; No passengers younger than 21-years-old

• Older Driver License Renewal Procedures in Alaska

• In Alaska, if you are an older driver, you need to renew your driver’s license every five years, the same as the general population. However, there are some special rules in place if you are 69 years old and older:

• 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.

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• Enter your ZIP code below to compare auto insurance rates.

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• New Residents in Alaska

• If you are working in Alaska or have just moved to Alaska, you must apply for registration within 10 days of moving to the state or taking a job within the state.

• Of course, if you have just moved to Alaska or have gotten a job in Alaska, you’ll want to register your vehicle! Here is what’s required:

• Something to know:  If an individual has purchased either a new or used vehicle from an Alaska dealer, the dealer will usually submit all of the documents to the DMV.

• Also, remember you’ll need auto insurance.

• If you recall, Alaska requires you to have the following minimum liability insurance.

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

• License Renewal Procedures in Alaska

• Vehicles in Alaska are registered for a two-year period.

• When it comes to license renewal, 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 means 10 years without a trip to the DMV!

• 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!

• According to NOLO, 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 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.

• 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.

• The move over laws in Alaska is also fairly simple. In Alaska, you are required to move over for stopped vehicles, such as:

• The best rule of thumb is that whenever you see a stopped vehicle, move over.

• Alaska wants to make sure that its workers and its drivers are safe. Alaska created the move over law so that law enforcement and other workers can do their work in a safe area.

• No one likes to get a speeding ticket. So make sure to familiarize yourself with Alaska’s speed limits, so that you aren’t stuck paying for one!

• Type of RoadwaySpeed Limit (in miles per hour) Rural Interstates65 Urban Interstates55 Other Limited Access Roads65 Other Roads55

• All passengers in a car in Alaska are required to wear a seat belt, no matter what seat the passenger might be sitting in.

• In 2006, Alaska became the 23rd state to pass a primary seat belt law, which is different from the mandatory law Alaska’s had on the books since 1989. How is it different?

• Until 2006, if an officer stopped you and saw you weren’t wearing a seatbelt, the officer could choose whether or not he/she wanted to give you a ticket. Now? If an officer sees you not wearing a seatbelt, the officer WILL stop you and the officer WILL give you a ticket!

• As the Municipality of Anchorage states,

• As the largest state, we should be an example and lead the national average by encouraging seat belt use.

• When it comes to car seat laws, the NHTSA states that children birth to 12 months need to be in rear-facing car seats, and children one to seven years need to be secured in the proper car seat or booster seat for their age and weight. Breaking these laws will have you paying fines 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.

• You might be familiar with ride-sharing companies such as 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.

• Currently, the state of Alaska does not have any laws managing the use of automated vehicles.

• When you think of an automated vehicle, the company Tesla might immediately come to mind.

• Alaska DUI and Marijuana-Impaired Driving Laws

• Alaska DUI law AS 28.35.030 states the following:

• Any person stopped while operating a motor vehicle, aircraft, or watercraft while under the influence of alcohol, an inhalant or any controlled substance with a blood alcohol level of .08% or greater is considered to be DUI.

• Important to know:  Holding a driver’s license in Alaska means you give the state implied consent. This means if you are stopped for DUI or suspicion of DUI, you give the officer permission to test your breath/blood for the presence of alcohol.

• The penalties for driving under the influence of alcohol are steep!

• Alaska DUI PenalitiesLicense Revoked?Jail Time? Fines? Additional Information 1st Offense90 days.Mandatory minimum of 72 consecutive hours.$1,500 minimum fine and a $200 license reinstatement fee.SR-22 liability insurance required for 5 years, Possible attendance at ASAP endorsed treatment program, and a mandatory interlock 1 year 2nd Offense 1 year.Mandatory 20 day minimum.$3,000 minimum and $500 license reinstatement fee.SR-22 liability insurance required for 10 years and a mandatory interlock 2 years. 3rd Offense3 years. Mandatory 60 day minimum.$4,000 minimum.SR-22 liability insurance required for 20 years and a 3 year interlock. 4th and Subsequent Offenses5 years.Mandatory 120 day minimum. $10,000 minimum. SR-22 insurance required for life and a 3 year interlock if license restored.

• Just for the first offense alone, you’re paying $1,500 in fines, at the minimum, plus an additional $200 just to reinstate your license!

• When it comes to marijuana use, 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. 

• Distracted driving is anything that you do in a vehicle that keeps your attention off the road.

• And cell phones seem to be the main culprit when it comes to distracted driving. Several leading studies show the use of a cell phone increases your chances of getting into a crash by 400 percent!

• Alaska’s Distracted Driving Law has to do with cell phone use (though there are other forms of distracted driving, such as eating food, putting on makeup, or operating a vehicle while tired and drowsy).

• Texting while driving, for all drivers, is banned in the state of Alaska, and is a primary enforcement, meaning if you are stopped by an officer, you will get a ticket.

• There is no hand-held ban or ban for young drivers, but this doesn’t mean that you shouldn’t take care and not keep your eyes on the road!

• 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

• 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.

• 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 can also determine if your car may/may not be stolen. The FBI has collected data in 2013 on vehicle theft, which we have compiled and listed below:

• 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

• Traffic Fatalities in Alaska

• Risky and harmful behavior plays a large role in fatality rates. When it comes to cities in Alaska, only one made the NHTSA list in terms of fatalities, and that is Anchorage, with a total of 18 people killed in 2016.

• We will look at Alaska’s fatalities and some of the issues that contribute to accidents, such as speeding and underage drinking.

• First, let’s take a look at traffic fatalities in Alaska when it comes to rural areas and urban areas:

• Area2008200920102011201220132014201520162017 Rural48383346393342335345 Urban14262326201831313033

• What is interesting to note is that fatality rates are lower in urban areas than in rural areas. Other states you see the opposite trend. This is 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:

• Person Type20132014201520162017 Passenger Car Occupants101981622 Light Pickup Truck Occupants614141813 Light Utility Truck Occupants11791811 Large Truck Occupants21020 Other/Unknown Occupants64558 Van Occupants02662 Bus Occupants01000 Motorcyclists981166 Pedestrians614121214 Bicyclists and Other Cyclists13011

• Crash Type20132014201520162017 Single Vehicle3341415751 Involving a Large Truck45145 Involving Speeding2218223626 Involving a Rollover1721153320 Involving a Roadway Departure3243366448 Involving an Intersection (or Intersection Related)815141318

• Up next, the crash statistics by county in Alaska over the course of five years:

• Borough/Census Area20132014201520162017 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:

• Borough/Census Bureau20132014201520162017 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 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 Borough 00000 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:

• Borough/Census Area20132014201520162017 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 Alaska Drunk Driving Deaths by County 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 Times 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 Arrival Rural3 min13 min39 min49 min Urban1 min6 min22 min29 min

• Alaska has high-quality people who work for the EMS, and here are the stories behind the people who save lives every day in Alaska:

• Transportation in Alaska

• When it comes to how many cars you own, almost 40 percent of residents in Alaska own two cars or more:

• Alaska tends to enjoy quick commutes, as the average commute in Alaska is 17 minutes, which is eight minutes below the national average! 

• A little over 1 percent of the Alaskan workforce has a super-commute in excess of 90 minutes or more each way.

• How do people get to work? Barring by dog sled, here are the ways people like to get to work in Alaska:

• Sixty-nine percent of the workforce go at it alone, while 12 percent love to team up with a buddy. And surprisingly, the third most popular option is walking!

• 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.

• Driving the highways in Alaska (and there are only four major interstates in the ENTIRE state) seems to be smooth sailing. Of course, things tend to make driving difficult, like extreme weather or Alaskan wildlife.

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• Frequently Asked Questions: Alaska Auto Insurance and Worst Insurance Companies

• Now that we’ve covered Alaska auto insurance coverages, rates, companies, and more, let’s get to your frequently asked questions.

• #1 – How much is auto insurance in Alaska?

• The average rate in Alaska that combines liability, collision, and comprehensive insurance is $1,028. Your rate, however, will depend on numerous factors including your gender, age, credit score, driving history, ZIP code, and more.

• #2 – Is auto insurance more expensive in Alaska?

• Yes, Alaska ranks in the worst 15 for average premiums and is lumped in with other high insurance states like Lousiana, Michigan, and New York. Personal demographics play into each driver’s rate, and the high uninsured motorist percentage may contribute to rates higher than the average for all states.

• #3 – Does Alaska require auto insurance?

• Yes, Alaska requires auto insurance. The minimum auto insurance requirements are 50,100,25 liability insurance. This means $50,000 to cover the damages to one person in an accident, $100,000 to cover the damages to more than one person, and $25,000 to cover property damage.

• #4 – Who has the cheapest auto insurance?

• In Alaska, the cheapest auto insurance provider is State Farm at annual rates of $2,228, followed by USAA and then Geico. Those three are also the cheapest auto insurance companies nationwide, with USAA having the cheapest rates out of all companies in the country.

• #5 – What is the penalty for driving without insurance in Alaska?

• If you receive a ticket for driving without insurance in Alaska, the police officer will likely give you a ticket, which can run into the hundreds of dollars. You face the possibility of a license suspension, and if you don’t pay the ticket on time, you can run into additional penalties.

• #6 – What are the worst insurance companies?

• There is not much data available for complaints per company in Alaska. When it comes to overall complaint indexes for the largest 10 insurance companies throughout the entire United States, Allstate, USAA, Travelers, Geico, and Progressive receive the most complaints compared to the number of policies they write.

• So now you’ve got all the facts!  We hope this comprehensive guide was able to give you the best tools to allow you to make the best decision for YOUR needs.

• Ready to compare rates for vehicles in Alaska? Our online quote generator makes it easy for you to compare multiple policies at once so that you don’t have to go through numerous quote processes for individual companies.

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