Cheapest car insurance for high-risk drivers in Alaska

Which company has the cheapest car insurance in Alaska for a bad driving record?

Progressive offers the cheapest average car insurance rate for high-risk drivers in Alaska at $2,531 a year. GEICO and State Farm also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

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

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How much is high-risk car insurance in Alaska?

The average cost of high-risk car insurance in Alaska is $2,521 annually. However, some insurers offer rates far below the state average, with premiums starting around $2,531 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

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 a high-risk driver 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.

What company offers the cheapest car insurance in Alaska after a DUI?

State Farm has the cheapest average DUI insurance rates in Alaska at $1,819 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. 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

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What is the cheapest car insurance in Alaska with multiple tickets?

State Farm has the cheapest average rates for drivers with multiple tickets at $1,819 annually or $152 monthly.

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

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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

What company offers the cheapest insurance for reckless driving in Alaska?

State Farm has the cheapest average reckless driving insurance rates in Alaska at $1,819 per year. Reckless driving convictions often result in substantial premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increases and fewer coverage options.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

The table below compares car insurance rates for drivers with a clean driving record and 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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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Alaska?

Progressive has the cheapest average rates for drivers with poor credit in Alaska at $2,289 annually or $191 monthly.

Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Alaska.

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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What company has the cheapest car insurance in Alaska after an accident?

State Farm has the cheapest average post-accident insurance rates in Alaska at $1,967 per year. GEICO also offers below-average rates after an at-fault crash.

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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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Alaska?

Juneau has the cheapest average high-risk car insurance rates in Alaska at $2,115 per year. In comparison, drivers in Anchorage pay the highest average rates at $2,958 annually.

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.

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 can high-risk drivers lower their car insurance rates in Alaska?

High-risk drivers in Alaska can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

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 Alaskadepends 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.

What are Alaska's insurance requirements 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

FAQ: High-risk car insurance in Alaska

Can high-risk drivers get full coverage car insurance in Alaska?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Alaska?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.