Cheap Comparison Quotes Free and Customized

Cheapest Car Insurance in Alaska (AK)

With a longer coastline than all other U.S. states combined, Alaska boasts some of the wildest, most remote destinations in North America. With nearly 500 miles separating this frontier-type state from the other continental states, Alaska’s remoteness sets it apart culturally as well as geographically. Ranking as the largest state, driving through Alaska can challenge the driver as well as the vehicle. has put together some great facts to help protect drivers, whether visiting, living or working in the “Land of the Midnight Sun”.

Average Car Insurance Premiums. Average Car Insurance Premiums as a Percentage of Income

Alaska’s insurance premiums have remained above the national average for the past 20 years, and it shows no signs of declining. On the other hand, indicates the state’s premiums as a percentage of income has been below the national average during that same time.

Drunk Driving Fatalities

In the National Highway Traffic Safety Administration’s annual report, it revealed Alaska had drastically reduced its number of drunk driving fatalities. Although the state has consistently been below the national average, 2012 showed a significant improvement over prior years.

Teen Drinking and Driving

Alaskan teens drink and drive at a much lower percentage than the national average. The Center for Disease Control revealed Alaska’s percentage fell 3.4 percent below the national average.

Vehicular Theft in Alaska

Although the FBI reports that auto thefts are on the rise in Alaska, the numbers still fall well below the national average.

Just like Alaska’s terrain that varies from ocean front, to glacier peaks, to thick forests, the state’s insurance laws and regulations can be difficult to navigate. Following is a list of useful points to help in the insurance frontier.

Minimum Requirements for Car Insurance in Alaska

  • The Alaska Department of Motor Vehicles (DMV) requires drivers of a registered vehicle to insure their vehicles and to carry proof of insurance at all times. The minimum requirement for Alaskan drivers is liability coverage.
  • Alaska Liability Coverage minimums include:
    • $50,000 for bodily injury and $100,000 for death in a car accident.
    • $25,000 for property damage.
  • Alaska requires a vehicle to be insured in order to register the vehicle in the state; however, several areas are exempt from registration and insurance requirements. For a list of such areas, visit Alaska’s DMV website.

New Driver Licensing Requirements

Due to the high volume of rural areas and residents in Alasks, drivers license requirements vary depending on the area in which the vehicle will be operated. For a list of areas that fall under the Class D Off-Highway Drivers License, visit the DMV’s list of Exempt from Registration areas.

Regardless of residence, a driver must be 16 years of age or older and have a valid drivers license to operate a vehicle in the state of Alaska. Applicants under 18 must apply for a provisional license and hold that license for 6 months before becoming eligible for a regular license. A parent, legal guardian or employer must provide proof of 40 hours of supervised driving, 10 of which must be in challenging driving conditions. Parental consent is needed to obtain a provisional license for an applicant under the age of 18.

The following lists the requirements to obtain an Alaskan license for residents in urban areas. Additional information can be found in the Alaska Drivers Manual.

  • Vision Test. Vision accuity of 20/40 or greater must be verified by the vision test for an applicant to be eligible for a drivers license. If corrective lenses must be worn to pass the test, then the corrective lenses must be worn while driving. If the applicant fails the test, he/she will be denied a license until able to pass.
  • Written Test. This test is required for new applicants, applicants whose license has been expired for more than 1 year or applicants who have had their license revoked. Prior to obtaining a new license and if the applicant is over 21, an alcohol awareness test must be passed. Failure to pass the test results in a one day waiting period prior to being able to re-take the test.
  • Road Test. This test is required for new applicants, applicants who have had no valid license for 5 or more years or applicants whose license has been revoked. Every applicant must provide a $15 testing fee and a registered, insured vehicle. The test is administered to evaluate the following skills:
    • Starting and stopping
    • Parallel parking and three point turn
    • Quick stop
    • Backing
    • Use of turn signals
    • Left and right turns
    • Speed control
    • Proper lane change
    • Vehicle control
    • Traffic signs, signals and markings
    • Following distance

    If the applicant fails the road test, there is a 10 day waiting period to be eligible to re-take the test.

  • Pay a License Fee. A $25.00 fee is payable for the issuance of a regular Alaskan Drivers License.
  • Residents in the listed “Exempt from Registration” areas are not required to take the road test to obtain their “Off-Highway” drivers license. After completing the written test, these applicants should submit an Application for Remote Area Drivers License, Permit or ID Card to Juneau Driver Licensing. A learner’s permit is recommended but not required for remote area applicants.


  • BAC limit: .08 Driving under the influence in Alaska holds mandatory jail time regardless of prior convictions or driving record. The Alaska DMV has published a helpful document regarding DUI laws that can be accessed here.
  • First Offense:
    • Minimum jail time of 72 hours
    • Minimum fine of $1,500.
    • Ignition interlock device for 6 months.
    • License revocation of 30 days.
    • Cost of imprisonment is listed at $330.
  • Second Offense:
    • Minimum jail time of 20 days
    • Minimum fine of $3,000.
    • Ignition interlock device for 12 months.
    • License revocation of 1 year.
    • Cost of imprisonment is listed at $1,467.
  • Third Offense:
    • Minimum jail time of 60 days.
    • Minimum fine of $4,000.
    • Ignition interlock device for 18 months.
    • License revocation of 4 years.
  • Beginning with the third offense, each subsequent offense can be with a felony or misdemeanor. If convicted as a felony, the penalties are severely increased.

Texting & Driving Laws states that Alaska has banned all texting for all drivers.</li></ul>

Unique Laws
Unique laws abound in the great state of Alaska, and a good one to know states that waking a sleeping bear for the purpose of taking its picture is illegal. It is also illegal to whisper in someone’s ear while they are moose hunting, and if you are bringing your pet along for the ride, it is illegal to tie the pet to the roof of your car!

State Department of Insurance

Department of Commerce, Community and Economic Development
Division of Insurance
Robert B. Atwood Building
550 W. 7th Avenue, Suite 1560
Anchorage, Alaska 99501-3597
(907) 269-7900
Get directions.

Department of Transportation

Alaska Department of Transportation and Public Facilities
3132 Channel Drive
Juneau, Alaska 99811-2500
(907) 465-3900
Get Directions.

Department of Motor Vehicles

Alaska Department of Administration
Division of Motor Vehicles
1300 W. Benson Boulevard
Anchorage AK 99503-3696
Get Directions.

See rates for these popular cities

Actual Yearly Savings
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014
  • Richard
  • $1188
  • Sep 19, 2014
  • Ashlee
  • $960
  • Sep 8, 2014
  • Tracy
  • $1200
  • Sep 3, 2014
  • Jaclyne
  • $120
  • Aug 28, 2014
  • Justin
  • $600
  • Aug 28, 2014
  • Patryse
  • $3600
  • Aug 10, 2014
  • Juan
  • $900
  • Jul 30, 2014
  • Mark
  • $600
  • Jul 30, 2014
  • Janice
  • $480
  • Jul 15, 2014
  • Trevor
  • $3600
  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
  • Dana
  • $960
  • Jul 1, 2014
  • Verness
  • $1200
  • Jun 30, 2014
  • Shondalay
  • $1000
  • Jun 30, 2014
  • Chris
  • $120
  • Jun 27, 2014
  • Anthony
  • $600
  • Jun 24, 2014
  • Paul
  • $3600
  • Jun 21, 2014
  • Melissa
  • $1200
  • Jun 18, 2014
  • Daphne
  • $480
  • Jun 12, 2014
  • Yomara
  • $1800
  • Jun 10, 2014
  • Jose
  • $2400
  • Jun 6, 2014
  • Risa
  • $480
  • Jun 5, 2014
  • Alan
  • $1200
  • Jun 4, 2014
  • Tonisha
  • $1000
  • Jun 1, 2014
  • Raymond
  • $3600
  • May 30, 2014
  • Tiffany
  • $1000
  • May 29, 2014
  • Derrick
  • $3600
  • May 22, 2014
  • Desiree
  • $1200
  • May 19, 2014
  • Danielle
  • $1800
  • May 16, 2014
  • Lujendo
  • $540
  • May 15, 2014
  • Tierra
  • $3600
  • May 14, 2014
  • David
  • $900
  • May 13, 2014
  • Damber
  • $800
  • May 9, 2014
  • Lakisa
  • $960
  • May 7, 2014
  • Rodney
  • $1440
  • May 6, 2014
  • Ashley
  • $600
  • May 6, 2014
  • Michael
  • $2000
  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 27, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014

Our Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap auto insurance quotes is so easy now.

One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."


How Much Did You Save With Us?

Tell us how much you saved, and we will might just feature your savings right here on our site along with our other top savers!

First Name*

Last Name*

Savings (estimate)*


Your Email*

[We'll NEVER use your email address to send you promotional/junk email]


Compare Actual Vehicle Rates
Going Green
Insurance Resources
State Requirements