- Does a DUI raise car insurance rates in Alaska?
- How much does a DUI raise your insurance in Alaska?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Alaska?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Alaska
- Alaska DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Alaska DUI insurance: Frequently asked questions
- Compare Alaska DUI car insurance rates with other states
Does a DUI raise car insurance rates in Alaska?
With a clean driving history, car insurance in Alaska averages $1,676. After a DUI, the rate increases to $2,394, which is $718 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $3,039.
How much does a DUI raise your insurance in Alaska?
The cheapest insurer after a DUI is State Farm, with average premiums of $1,819. The next most affordable option is Progressive, where rates are $445 higher than those of State Farm. GEICO offers the third-lowest car insurance rates for drivers with a DUI.
Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a DUI differently and sets its own pricing, comparing quotes from several companies is essential.
The table below lists theaverage car insurance rates after a DUI in Alaska.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,713 | $1,819 | $1,819 |
| Progressive | $1,742 | $2,264 | $3,375 |
| GEICO | $1,338 | $2,483 | $3,335 |
| Allstate | $2,114 | $2,931 | $4,076 |
| USAA | $1,166 | $2,191 | $2,464 |
PEOPLE ASK:
What happens when you get a DUI in Alaska?
If you're convicted of a DUI in Alaska, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DUI will stay on your record for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DUI will not appear on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DUI affect your insurance in Alaska?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Alaska and stays on your record for 10 years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $5,158.
These are the cheapest companies after a DUI by age:
- For teens: State Farm is the cheapest at $5,158.
- For young adults: State Farm offers the cheapest young adult coverage at $2,059.
- For adults: State Farm, with an average rate of $1,819.
- For seniors: State Farm has the most affordable average rate at $1,670.
This table shows how a DUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $4,826 | $5,158 | $332 | 7% |
| Progressive | $6,603 | $6,751 | $148 | 2% |
| GEICO | $4,013 | $7,185 | $3,172 | 79% |
| Allstate | $5,481 | $7,802 | $2,321 | 42% |
| State Farm | $4,826 | $5,158 | $332 | 7% |
| Progressive | $6,603 | $6,751 | $148 | 2% |
| GEICO | $4,013 | $7,185 | $3,172 | 79% |
| Allstate | $5,481 | $7,802 | $2,321 | 42% |
| USAA | $2,968 | $4,629 | $1,661 | 56% |
| USAA | $2,968 | $4,629 | $1,661 | 56% |
How much does a DUI raise your insurance in your city?
The least expensive city in Alaska for car insurance after a DUI is Juneau, while the costliest city is Anchorage, with an average rate of $2,793. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table shows the average car insurance rates after a DUI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Allakaket | $1,698 | $2,440 | $742 | 44% |
| Anchorage | $1,950 | $2,793 | $843 | 43% |
| Cordova | $1,617 | $2,291 | $674 | 42% |
| Craig | $1,418 | $2,026 | $608 | 43% |
| Houston | $1,854 | $2,634 | $780 | 42% |
| Juneau | $1,405 | $2,008 | $603 | 43% |
| Kodiak | $1,537 | $2,197 | $660 | 43% |
| Petersburg | $1,411 | $2,018 | $607 | 43% |
| Valdez | $1,632 | $2,317 | $685 | 42% |
| White Mountain | $1,695 | $2,447 | $752 | 44% |
| Allakaket | $1,698 | $2,440 | $742 | 44% |
| Anchorage | $1,950 | $2,793 | $843 | 43% |
| Cordova | $1,617 | $2,291 | $674 | 42% |
| Craig | $1,418 | $2,026 | $608 | 43% |
| Houston | $1,854 | $2,634 | $780 | 42% |
| Juneau | $1,405 | $2,008 | $603 | 43% |
| Kodiak | $1,537 | $2,197 | $660 | 43% |
| Petersburg | $1,411 | $2,018 | $607 | 43% |
| Valdez | $1,632 | $2,317 | $685 | 42% |
| White Mountain | $1,695 | $2,447 | $752 | 44% |
How to get car insurance after a DUI in Alaska
Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.
If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.
If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Alaska since each insurer offers different rates after a DUI.
Alaska DUI insurance requirements and penalties
A DUI in Alaska means you must meet specific high-risk driver requirements. In Alaska, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.
A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.
The table below highlights Alaska DUI laws and the penalties for both first-time and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| None | 90 days | After 30 days | Mandatory for all convictions | No | No |
| None | 90 days | After 30 days | Mandatory for all convictions | No | No |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Alaska can expect elevated car insurance rates after a DUI and expect it to stay on their record for 10 years.
Tips to save money after a DUI
A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI.
Ways Alaska drivers can save on car insurance after a DUI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Alaska DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI can remain on your driving record for up to 10 years. In most cases, a DUI affects car insurance rates for only three to five years.
Will my insurance drop me after a DUI in Alaska?
Most insurers will not cancel your policy after a single DUI, but your rates will rise sharply. However, multiple DUIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.
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