- Cheapest car insurance in Alaska for a bad driving record
- How much is high-risk car insurance in Alaska?
- Cheapest car insurance in Alaska with a DUI
- Cheapest car insurance in Alaska with multiple tickets
- Cheapest car insurance in Alaska with a reckless driving conviction
- Cheapest car insurance in Alaska with bad credit
- Cheapest car insurance after an accident in Alaska
- Cheapest car insurance in Alaska by city
- How to reduce car insurance rates in Alaska for a bad driving record
- Alaska car insurance laws for high-risk drivers
- Methodology
- Compare Alaska high-risk driver car insurance rates with other states
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 you'll 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 |
How much is high-risk car insurance in Alaska?
In Alaska, the average cost of high-risk car insurance is $2,521 per year. However, you may secure coverage from Progressive for as low as $2,531 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
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
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,819 annually.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Alaska.
| 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 |
Cheapest car insurance in Alaska with multiple tickets
For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,819 per year or $152 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Alaska how much having multiple tickets can raise their insurance 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 |
Cheapest car insurance in Alaska with a reckless driving conviction
State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $1,819 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those 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 |
Cheapest car insurance in Alaska with bad credit
The cheapest Alaska insurer for bad credit is Progressive, with rates averaging $2,289 annually or $191 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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 |
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 record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.
This table shows car insurance rates for drivers with a clean record, a single 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 |
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 |
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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Alaska high-risk driver car insurance rates with other states
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