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Cheapest Car Insurance in Alaska

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”.


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 Alaska, 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 acuity 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.
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.


Best Cheap Car Insurance Quotes for Alaska

Anchorage Municipality Car Insurance

With nearly 300,000 residents by 2016, the densely populated municipality of Anchorage contains nearly 40 percent of the total residents in Alaska. Located in the southern central part of the state, the city limits include about 1,960 square miles.Governed by a mayor and 11-member council, Anchorage is considered a consolidated city-borough.

Equidistant from New York City, Tokyo and Berlin, it is a popular refueling stop for international flights. Its port receives roughly 95 percent of shipments coming to Alaska, and the Anchorage International Airport is one of the world's busiest cargo airports.

County Sedan Suv Coupe Truck Hybrid

Fairbanks North Star Borough Car Insurance

Almost the size of New Jersey, Fairbanks North Star Borough is home to 97,581 at the 2010 Census, as well as the University of Alaska Fairbanks and Eielson Air Force Base. Its seat is Fairbanks, where the average January temperature is -1 degree Fahrenheit.

For an average of 243 days per year, residents of Fairbanks can see the Aurora Borealis, or northern lights, which are produced by charged particles striking the Earth's upper atmosphere. It is the starting point of the Yukon Quest, considered the world's most difficult dog sled race given the harsh winter conditions.

County Sedan Suv Coupe Truck Hybrid
Fairbanks North Star$810.00$718.00$794.00$827.00$866.00

Matanuska-Susitna Borough Car Insurance

Located north of Anchorage, the Matanuska-Susitna Borough is home to an estimated 95,000. Named for the Matanuska and Susitna rivers contained entirely within it, the borough is home to one of the few agricultural areas in Alaska. The seat is Palmer, a town of about 6,000 located 42 miles northeast of Anchorage.

The largest city, Wasilla, the site of Independence Mine State Historical Park and Iditarod headquarters. Matanuska-Susitna Borough is also home to part of the Denali National Park and Preserve, which is centered around the highest mountain in North America, Denali, formerly known as Mount McKinley. At 20,320 feet above sea level, it is among the world's most prominent and isolated mountains.

County Sedan Suv Coupe Truck Hybrid
Matanuska Susitna-----

Kenai Peninsula Borough Car Insurance

Encompassing both the Kenai Peninsula, Kalgin Island and parts of the surrounding mainland, Kenai Peninsula Borough has an estimated 57,000 residents within its 24,752 square miles. The borough seat, Soldotna, which spans 7 square miles along the Kenai River.

Kenai, the largest city, is a popular draw for fishing, since the world's largest sport-caught Chinook salmon was taken from the Kenai River in 1985, and eight of the 10 largest king salmon ever caught have been taken from the same river. The Kenai River was selected by CNN Travel as one of the world's Best 15 Rivers for Travelers.

County Sedan Suv Coupe Truck Hybrid
Kenai Peninsula$781.00$693.00$764.00$795.00$833.00

Juneau City-Borough Car Insurance

Encompassing the remote state capital of Juneau, the Juneau City-Borough is a consolidated city-borough located in the state's panhandle region. Juneau is the one of the largest cities in the nation measuring by land area, at 3,255 square miles.

It was named after a Quebec gold prospector, Joe Juneau. Because of its rugged terrain, Juneau is not connected to the rest of the state by any roads. Everything coming in or out goes by plane or boat, even though the city is located on the mainland. Tourism plays a key role in its economy, as cruise ships bring large numbers of visitors to the city for up to 11 hours at a time.

County Sedan Suv Coupe Truck Hybrid

Bethel Census Area Car Insurance

Home to 17,000 people at the 2010 Census, Alaska's Bethel Census Area stretches from the wilderness west of Anchorage to its western coast to include the large Nunivak Island in the Bering Sea. It encompasses roughly 45,500 square miles. There is no borough seat; the largest city is Bethel, which serves as the main port on the Kushokwim River.

The largest community in western Alaska, Bethel lies about 400 miles west of Anchorage and is accessible only by air or river. It is the site of the only detention center in the state, the Yukon Kuskokwim Correction Center. Annual events held in Bethel are the dogsled race, the Kuskokwim 300, the traditional dance festival of Camai and the Bethel Fair.

County Sedan Suv Coupe Truck Hybrid

Kodiak Island Borough Car Insurance

Home to an estimated 14,000, Kodiak Island is located off Alaska's southern coast. Since the Pacific Ocean's open waters are located to the south, the island is a popular launching spot for many types of satellites. Thus, it is the site of the Pacific Spaceport Complex, a military and commercial use facility.

The borough seat is the community of Kodiak, which became a commercial fishing center after the U.S. purchased Alaska in 1867 and has remained one ever since. Because the city is considered a vital environmental asset affecting the fishing industry, there are strict laws regarding fishing and hunting there, as well as hiking near spawning streams. The popular Kodiak Crab Festival draws off-island visitors each Memorial Day Weekend.

County Sedan Suv Coupe Truck Hybrid
Kodiak Island$706.00$626.00$693.00$714.00$756.00

Ketchikan Gateway Borough Car Insurance

One of Alaska's most southernmost areas, the coastal Ketchikan Gateway Borough is home to an estimated 13,500. Ketchikan, a city facing what is called the inside passage, which is a popular cruise route on the southeast coast.

The borough seat, Ketchikan is known as the site of the world's largest collection of elaborate totem poles on display, and for Misty Fiords National Monument, a glacier-carved wilderness home to black bears and bald eagles. In addition to tourism, the economy relies on government services and commercial fishing, dubbing itself the Salmon Capital of the World.

County Sedan Suv Coupe Truck Hybrid
Ketchikan Gateway$632.00$566.00$618.00$647.00$670.00

Nome Census Area Car Insurance

Originally labeled "Name" with a question mark by a cartographer who couldn't identify the area, Nome was inadvertently named by a second cartographer who misread the first's handwriting. Largely overlapping with the Seward Peninsula, it was home to 9,492 at the 2010 Census.

The city of Nome is its largest city, with an estimated population of 3,788. It is a hub from transportation for surrounding villages, with two public airports and a seaport used by freight and cruise ships. Roads lead to surrounding communities, but there is no road connection to other major cities in Alaska.

County Sedan Suv Coupe Truck Hybrid

Valdez-Cordova Census Area Car Insurance

Home to just under 10,000 people at the 2010 Census, the Valdez-Cordova Census area in southern Alaska is located near the Canadian border. Its largest communities are Valdez and Cordova, both of which were affected by a disastrous 1989 Exxon Valdez oil tanker spill.

Commercial fishing remains the main industry in the area. Millions of migrating shorebirds bring tourists and birdwatchers to an annual Copper River Delta Shorebird Festival in May. Also located within the Valdez-Cordova area is Whittier, a city where all 214 residents live in a single building. A 2.5-mile tunnel connecting Whittier to the Alaska highway system is considered the longest highway tunnel in North America.

County Sedan Suv Coupe Truck Hybrid
Valdez Cordova-----

County Sedan Suv Coupe Truck Hybrid
Aleutians East$785.00$692.00$770.00$794.00$842.00
Aleutians West$785.00$692.00$770.00$794.00$842.00
Bristol Bay$785.00$692.00$770.00$794.00$842.00
Fairbanks North Star$810.00$718.00$794.00$827.00$866.00
Kenai Peninsula$781.00$693.00$764.00$795.00$833.00
Ketchikan Gateway$632.00$566.00$618.00$647.00$670.00
Kodiak Island$706.00$626.00$693.00$714.00$756.00
Lake And Peninsula$785.00$692.00$770.00$794.00$842.00
North Slope$785.00$692.00$770.00$794.00$842.00
Northwest Arctic$785.00$692.00$770.00$794.00$842.00
Prince of Wales-Hyder$632.00$566.00$618.00$647.00$670.00
Southeast Fairbanks$817.00$692.00$785.00$824.00$878.00
Wade Hampton$785.00$692.00$770.00$794.00$842.00
Yukon-Koyukuk$785.00$692.00$770.00$794.00$842.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Alaska’s auto 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 with the exception of 2009 and 2010.

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. That changed in 2013 with a dramatic increase that remained the same in 2014. Still, the state remains below the national average.

Teen Drinking and Driving

Alaskan teens drink and drive at a much lower percentage than the national average, according to the Center for Disease Control.

Vehicular Theft in Alaska

The FBI reports that auto thefts are on the rise in Alaska, and easily outnumbered the national average in 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversState Farm
Drivers with poor creditGeico
Retired driversState Farm
Military familiesUSAA


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 Blvd.
Anchorage AK 99503-3696
Get Directions.

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