Alaska Car Insurance – Auto Insurance Quotes in AK
Weather conditions in Alaska can make driving very treacherous at times. Rear-end collisions are a common type of car accident when motorists suddenly find themselves sliding on packed snow or ice. These extreme conditions make it even more important for all Alaskan drivers to carry car insurance at all times to protect themselves and others in the event that bad weather leads to a collision.
Failing to be adequately insured could cost hundreds or even thousands of dollars, not counting the legal penalties involved. Using MyCarInsuranceRates.com helps motorists make sure they have found the most affordable and complete car insurance to meet their needs.
Alaska Car Insurance Requirements
Alaska follows a tort system for car accidents, which means that one of the drivers involved in an accident will be found to be “at-fault”. The specifics of tort systems vary from state to state, but ultimately it means that the driver deemed at fault, together with their insurance company, is responsible for all damages that result from the accident.
While Alaska has established minimum required auto insurance coverage, some motorists may need to carry more than these minimums to meet their personal needs. My Car insurance Rates can help determine what level of coverage is actually needed based on the specific circumstances of each driver.
Understanding Alaska Car Insurance Liabilities & Coverage
Alaska has established minimum levels of insurance requirements for all motorists driving in the state. In Alaska, all motorists must carry a 50/100/25 liability coverage car insurance policy. That means that the policy must provide bodily injury liability coverage of up to $50,000 per injured person and up to $100,000 total for all injured persons per accident, including medical expenses.
Motorists must also carry property damage coverage with a minimum liability limit of $25,000 per accident, including public and private property repairs and claims. Motorists may elect to carry more than these liability minimums if their financial situation warrants it.
Alaska Insurance Coverage
- Bodily Injury Liability: $50,000/$100,000 Limit
- Property Damage Liability: $25,000 Limit
Alaska Car Insurance Laws & Regulations
If a driver is involved in a car accident in Alaska, they are required to show proof of insurance whether they are at fault or not. Additionally, drivers are required to show proof of insurance when they are stopped by police while driving. Insurance is not required in areas where vehicle registration is not required, on off-highway vehicles or on non-registered, non-operational vehicles.
Driving without auto insurance will subject an Alaskan driver to suspension of their driver’s license for up to a year and a fine of $500 to $1,000, depending on their driving record history. Failing to provide proof of insurance when required will result in a driver’s license being suspended for 90 days or more.
Average Alaska Car Insurance Rates
Alaskan drivers paid, on average, $1,875 in 2010 for their auto insurance rates, which is significantly higher than the national average of $1,538. While overall, car insurance rates in Alaska were 15% lower in 2010 than they were in 2009, the higher-than-national average car insurance rates Alaskans pay makes it even more critical that Alaskan drivers shop for the best rates possible. You can get car insurance quotes from MyCarInsuranceRates.com and start saving money on your car insurance quotes right now.
Alaska Car Insurance Quotes
Getting the most affordable Alaska car insurance quote is as simple and easy as it can be when you get your quotes fro My Car Insurance Rates. This is made possible by getting each of the top best car insurance companies in Alaska and the US to compete for your business by offering free instant cheap car insurance quotes. There is no need to search through the phone book and waste time talking to each insurance company one at a time, when we can have the carriers, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP, offer you their best car insurance rates all at once.
In addition, consumers can test various levels of coverage to learn just what type of auto insurance policy will meet their budget. Just enter your zip code above or below and see how cheap you can be insured for.
