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Alaska Car Insurance for Bad Credit Drivers

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 7, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Alaska (2022)

For drivers with bad credit in Alaska, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Alaska. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Alaska.

CarrierAvg. Monthly Cost
American Family Insurance$173

Bad Credit Car Insurance in Alaska

Not surprisingly, motorists in the Final Frontier share the road with moose, bears, and bison, among other Alaskan creatures. If you've let your credit run wild in this state, you may find that your insurance premiums are affected.

Ignoring a bad credit score is a temporary fix to a permanent problem. Car insurance carriers in this state consider credit information when setting rates, so figuring out how to improve your score is financially essential. Paying your bills on time and getting rid of too much outstanding debt can help your credit score immensely.

Alaska Car Insurance Rates for Bad Credit Drivers

Excellent
$145
Good
$162
Average
$163
Poor
$177

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Alaska?

Drivers with lousy credit pay about $17 more than average in Alaska, which is a 10 percent increase over other motorists' rates. Still, government guidelines exist to protect policyholders in specific ways.

Most states follow similar laws regarding using credit reports to inform car insurance rates. Though auto insurance companies can count your delinquent credit charges against you, they must disregard any information related to medical collection accounts.

Avg. Monthly Cost - for Drivers with Good Credit
$169
Avg. Monthly Cost - for Drivers with Bad Credit
$186
$17 ▴
10.06% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Alaska?

Though it's not legal for auto insurance companies to pull your credit scores in a handful of states, in Alaska, it's a legitimate practice. You may find a high-risk, local carrier that'll ignore your credit score, but these companies' rates are high anyway.

Because insurance companies consider people with bad credit more likely to make claims, your insurance rates will go up because of your poor financial practices. But don't give up. Improving your credit score even a little can help you rein in car insurance rates to something more affordable.

Alaska Car Insurance Rates by Credit Tier

There's a $32 difference in average monthly car insurance cost between those who have excellent credit and those with poor credit. Yet you don't have to aim for perfect credit to make insurance gains. Reaching for an average score (just a notch up from poor) can easily save you $14 a month.

Credit TierAvg. Monthly Cost
Excellent$145
Good$162
Average$163
Poor$177

Tips for Researching Bad Credit Alaska Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Alaska draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Alaska Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Alaska. Insurify analyzed the latest data for the five most populous cities in Alaska to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Alaska and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jeanette Wisniewski
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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