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Alaska Car Insurance for High Risk Drivers (With Quotes)

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Mark Steinbach

By: Mark Steinbach

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

Last Updated March 9, 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 Insurance Companies for High Risk Drivers in Alaska (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Alaska.

CarrierAvg. Monthly Cost
American Family Insurance$186

What Makes a Driver High-Risk in Alaska?

When a car insurance company works with a potential customer, they always take a look at that customer's driving record. And if that record is riddled with speeding tickets and recklessness, they'll probably be considered a high-risk driver—which means they're more likely to file a claim and more expensive to insure.

In Alaska, a high-risk driver is one who has any of the following on their driving record: speeding, a DUI, or an at-fault accident. Any sort of reckless driving can also lead to a high-risk designation, so always be careful when you get behind the wheel. And if you do become a high-risk driver, know that you can still find a policy that works for you.

Alaska Car Insurance Rates for High-Risk Drivers

No Violation
$151
Failure to Stop
$181
At-Fault Accident
$195
Reckless Driving
$196
Speeding Ticket
$213

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Alaska?

No one wants a high-risk driving charge on their record—especially if it's going to lead to higher car insurance rates. Something as simple as exceeding the speed limit can lead to a high-risk driving charge that stays on your record for years.

And unfortunately, high-risk drivers typically have to pay higher rates for car insurance. For instance, Alaskans with a speeding ticket can see their rates go up by over 40 percent. Here is how some high-risk driving charges can affect your car insurance rates in Alaska:

Driving HistoryAvg. Monthly Cost
No Violation$151
Speeding Ticket$213
At-Fault Accident$195
Reckless Driving$196
Failure to Stop$181

How Much Does a Speeding Ticket Impact Car Insurance Rates in Alaska?

A speeding ticket in Alaska can stay on your record for five years and add over $60 a month to your car insurance rates. Here are the average rates you can expect to pay in Alaska if you have a speeding ticket on your record:

No Violation - Avg. Monthly Rate
$151
Speeding ticket - Avg. Monthly Rate
$213
$62 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Alaska?

When you find yourself at fault in an accident in Alaska, you'll want to brace yourself for an increase in your monthly car insurance rates. On average, Alaskans see a $44 per month increase in their car insurance, which is over $528 per year. The table below outlines the financial impact of an accident in Alaska:

No Violation - Avg. Monthly Rate
$151
Speeding ticket - Avg. Monthly Rate
$195
$44 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Alaska?

Rolling through a red light or stop sign in Alaska can lead to a car insurance hike of $30 per month, which adds up to $360 over a year. While this mistake may leave you with higher rates, you can still find an affordable policy if you shop around. Here are typical rates for Alaska drivers with this kind of offense on their record:

No Violation - Avg. Monthly Rate
$151
Speeding ticket - Avg. Monthly Rate
$181
$30 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Alaska?

When a car insurance company works with a potential customer, they always take a look at that customer's driving record. And if that record is riddled with speeding tickets and recklessness, they'll probably be considered a high-risk driver—which means they're more likely to file a claim and more expensive to insure.

In Alaska, a high-risk driver is one who has any of the following on their driving record: speeding, a DUI, or an at-fault accident. Any sort of reckless driving can also lead to a high-risk designation, so always be careful when you get behind the wheel. And if you do become a high-risk driver, know that you can still find a policy that works for you.

Tips for Researching High-Risk Alaska Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Alaska draws a wide variety of choices when factoring high-risk driving insurance rates.
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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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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  • 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.

Mark Steinbach
Mark Steinbach

Insurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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