Cheapest car insurance for high-risk drivers in Alaska

Cheapest car insurance in Alaska for a bad driving record

Progressive, GEICO, State Farm provides affordable car insurance for high-risk drivers with bad driving record in Alaska.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Progressive	$1,742	$2,531
GEICO	$1,338	$2,550
State Farm	$1,713	$2,571
Allstate	$2,114	$2,682
Western National Insurance	$1,984	$3,006
USAA	$1,166	$1,788

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How much is high-risk car insurance in Alaska?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Alaska, high-risk car insurance costs $2,521 per year. However, you can get rates as low as $2,531 annually from Progressive.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Alaska, AK is $2,506

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Company	Annual premium for clean record	Annual premium after violation
USAA	$1,166	$1,761
State Farm	$1,713	$1,967
GEICO	$1,338	$2,136
Allstate	$2,114	$3,075
Progressive	$1,742	$3,373

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Alaska?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Alaska with a DUI

Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $1,819 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Alaska for drivers with a clean record versus those with a DUI.

Company	Average annual premium for clean record	Annual premium for a DUI
State Farm	$1,713	$1,819
Progressive	$1,742	$2,264
GEICO	$1,338	$2,483
Allstate	$2,114	$2,931
USAA	$1,166	$2,191

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Cheapest car insurance in Alaska with multiple tickets

The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,819 annually or $152 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Alaska drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
State Farm	$1,713	$1,819
GEICO	$1,338	$2,457
Allstate	$2,114	$2,495
Progressive	$1,742	$2,586
USAA	$1,166	$1,513

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Cheapest car insurance in Alaska with a reckless driving conviction

State Farm has the cheapest rates for drivers with reckless driving convictions at $1,819 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,713	$1,819
Progressive	$1,742	$2,870
GEICO	$1,338	$2,882
Allstate	$2,114	$2,931
USAA	$1,166	$1,783

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Cheapest car insurance in Alaska with bad credit

The cheapest Alaska insurer for bad credit is Progressive, with rates averaging $2,289 per year or $191 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Alaska car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Progressive	$1,742	$2,289
GEICO	$1,338	$2,562
Allstate	$2,114	$2,744
Western National Insurance	$1,984	$3,006
State Farm	$1,713	$6,328
USAA	$1,166	$2,217

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Cheapest car insurance after an accident in Alaska

State Farm offers the lowest rates after an accident, averaging $1,967 per year. GEICO is another budget-friendly option, with rates around $2,136 a year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
State Farm	$1,713	$1,967	$1,967
GEICO	$1,338	$2,136	$2,987
Allstate	$2,114	$3,075	$4,029
Progressive	$1,742	$3,373	$5,438
USAA	$1,166	$1,761	$2,704

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Cheapest car insurance in Alaska by city

In Alaska, the lowest car insurance rates are found in Juneau, averaging $2,115 annually. On the other hand, Anchorage has the highest rates at $2,958 a year.

Where you live in Alaska matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Juneau	$1,405	$2,115
Petersburg	$1,411	$2,122
Craig	$1,418	$2,133
Kodiak	$1,537	$2,324
Cordova	$1,617	$2,423
Valdez	$1,632	$2,446
White Mountain	$1,695	$2,537
Allakaket	$1,698	$2,540
Houston	$1,854	$2,793
Anchorage	$1,950	$2,958

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How to reduce car insurance rates in Alaska for a bad driving record

Finding affordable car insurance in Alaska is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Alaska also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Alaska?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Alaska car insurance laws for high-risk drivers

If you're a high-risk driver in Alaska, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: