Cheap Car Insurance for Bad Credit Drivers in Alaska:
Costs and Quotes (2022)

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Last Updated: January 2022

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.

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
Average Monthly Cost
$145
$162
$163
$177
ExcellentGoodAveragePoor
Credit Tier

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.

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

Top Auto Insurance Companies

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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.

FAQs - Alaska Car Insurance

Why is car insurance so expensive in Alaska?

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.

Do car insurance rates vary by county in Alaska?

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.

Which providers have the best auto insurance ratings in Alaska?

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.

How much do annual auto insurance rates increase in Alaska?

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.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.