Cheap Car Insurance for High-Risk Drivers in Alaska:
Costs and Quotes (2022)

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Last Updated: January 2022

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.

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
Average Monthly Cost
$151
$213
$195
$196
$181
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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:

$151
$213
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$151
$195
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$151
$181
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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

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.