Non-owner car insurance in Alaska: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Alaska?

GEICO has the cheapest non-owner car insurance in Alaska at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $204. State Farm is the second-cheapest insurer at $257 per year, although rates vary significantly between companies.

The table below shows the most affordable non-owner car insurance companies in Alaska.

Company	Average annual premium	Average monthly premium
GEICO	$204	$17
State Farm	$257	$21
Western National Insurance	$318	$26
Progressive	$579	$48
USAA	$161	$13

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Best non-owner car insurance in Alaska

GEICO is the best non-owner car insurance company in Alaska based on cost, customer complaints and financial strength ratings. State Farm and Progressive are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Alaska, we considered several key factors, such as the number of customer complaints, financial strength, and average premium rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Alaska.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$204	631	0.60	A++	4.69
State Farm	$257	648	0.87	A+	4.28
Progressive	$579	607	0.60	A+	3.16
USAA	$161	729	1.16	A++	4.50

Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Alaska

GEICO

Our number one pick for non-owner car insurance in Alaska is GEICO. The average rate for liability coverage is $204. GEICO has an AM Best score of A++ and an NAIC complaint ratio of 0.60.

State Farm

State Farm is also a great choice for non-owner car insurance in Alaska, offering coverage at an average annual rate of $257. It has earned an AM Best rating of A+ and maintains a low NAIC complaint ratio of 0.87.

Progressive

Our third pick is Progressive. Progressive rates average $579. Its NAIC complaint ratio is 0.60, and it has a rating of A+.

PEOPLE ASK:

Do I need Alaska non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Alaska

The average cost of non-owner car insurance in Alaska is $296 per year. Your rate depends on several personal and location-based factors.

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Alaska by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Alaska, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Alaska by age and gender.

Age group	Male	Female
Teens (16-19)	$477	$456
Young Adults (20-24)	$418	$376
Adults (25-60)	$292	$284
Seniors (65-75)	$346	$329

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Do you need non-owner car insurance in Alaska?

You may need non-owner car insurance in Alaska if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Alaska doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$296
Traditional state minimum policy	$588
State minimum car insurance limits	50/100/25

Read our methodology

What does Alaska non-owner car insurance cover?

Non-owner car insurance in Alaska generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Alaska

Drivers in Alaska who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owners car insurance averages $296 in Alaska, and GEICO offers the lowest rates. In our analysis, GEICO was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Shop around to find the best Alaska non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Alaska

Do I need non-owner insurance to drive a friend's car in Alaska?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Alaska?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.