How Much Does Car Insurance Cost for Drivers with a Bad Driving Record in Alaska?

For bad drivers, one of the big components that is used to calculate a rate quote is where your home is located in Alaska. Areas that are more densely populated or have higher claim rates like Anchorage, Fairbanks, and Palmer tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The illustration below rates the most expensive cities in Alaska for drivers with a bad driving record to purchase auto insurance in.

Price information shown is approximated as specific Alaska garaging address can alter premium rates greatly.

Shopping around for low-priced insurance is not always easy, and deciding which companies quote the lowest-priced car insurance rates for drivers with a bad driving record requires even more perseverance. Prices should be quite a bit more than the state average, with the higher price attributed to the higher likelihood of claims related to selling insurance for bad drivers, but competitive insurance should be possible with a little diligence. Every car insurance company has a unique approach to set premium rates, so let’s begin by taking a look at the overall cheapest car insurance companies in Alaska.

It’s important to understand that Alaska car insurance rates are based on many factors which can substantially change the cost of having a policy. Getting older, buying a different home, or getting a driving violation can trigger price changes that may make certain companies cheaper than others.

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Umialik generally has some of the most affordable car insurance rates in Alaska at around $892 a year. USAA, State Farm, Progressive, and GEICO would also be considered some of the best Alaska car insurance companies.

As depicted above, if you are a policyholder with Progressive and switched to USAA, you may realize a yearly price reduction of about $266. Alaska drivers with GEICO may save as much as $1,005 a year, and Allstate customers might reduce rates by $1,417 a year.

Remember that these prices are averages across all drivers and vehicles in Alaska and do not take into consideration a rate surcharge for drivers with a bad driving record. So the company that is best suited for you may not even be featured in the list of companies above. That’s why you need to get quotes using your own personal information and vehicle type.

The car, truck, or SUV you are buying coverage for is one of the primary factors when quoting cheap insurance for drivers with a bad driving record in Alaska. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.

The next tables showcases coverage prices for a handful of the most affordable vehicles to buy coverage for.

Table data represents single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Estimates do not factor in specific location which can influence price quotes noticeably.

Prices above based on single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in your specific Alaska location which can alter rates greatly.

Prices above based on single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in Alaska location which can alter premiums significantly.

Buying coverage from the highest-rated insurance company can be a challenge considering how many choices there are in Alaska. The information displayed below could help you pick which auto insurers you want to consider comparing rates with.

The rankings below only include the largest companies in America, so smaller regional companies will not be included in the list. If you would like to check rates from these and other companies in Alaska, click this link.

Top 10 Major Auto Insurance Providers in Alaska Ranked by A.M. Best Rating

1. USAA – A++
2. State Farm – A++
3. GEICO – A++
4. Esurance – A+
5. Allstate – A+
6. Progressive – A+
7. The Hartford – A+
8. The General – A-
9. AAA Insurance – A
10. Liberty Mutual – A

Top 10 Major Auto Insurance Providers in Alaska Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Allstate
8. Esurance
9. Safeco
10. 21st Century

Tips for buying economical car insurance for drivers with a bad driving record

Below you’ll find some of the better thrifty ideas that can help Alaska drivers quote more affordable coverage.

• Serious violations like DUI or careless driving can make car insurance unaffordable
• Maintain a safe distance and avoid accidents
• Get cheaper liability coverage by choosing a safer vehicle
• Higher deductibles save money
• Increase your credit score
• Shop around for cheaper prices often

The last item on the list is extremely valuable, as was pointed out in the prior article. Prices charged by companies in Alaska can change in a short period of time, so don’t be tentative to switch companies if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if that loyalty results in overpaying potentially thousands of dollars a year. Now is a great time to compare rates to find cheaper auto insurance for drivers with a bad driving record.

Best cheap insurance quotes for bad drivers

Drivers have many ways to find cheaper car insurance in Alaska, but the most preferred ways are from a captive (or exclusive) agent like State Farm or Allstate, an independent or non-exclusive agent, or from a direct company like Geico.

They all follow the same basic process, but buyers should know the differences in how they provide rate quotes.

Independent insurance agencies work for many companies and can compare rates with all of them. These types of agencies do not sell for just one brand and can give you more rates, which can give you improved chances of finding a lower rate. If a cheaper rate is found, it’s simple to move the policy without you having to go to a different agency.

A captive or exclusive agent is only able to give prices for one insurance company, two of the more popular are a State Farm or Farmers agent. These agents are unable to provide rates from more than one company, which necessitates shopping around.

Car insurance from a direct company means you do not use local insurance agents and buy buying direct from a company like Geico or Esurance. This option is a good choice for families who do not need risk management and have an above average understanding of the limitations of car insurance.

So what is the best way to buy cheap insurance for drivers with a bad driving record in Alaska? We wish we could say buying from a direct car insurance company saves money since there isn’t an agent involved, but that is not always the case. And we’d like to say buying from an independent agent results in the best rates since they can provide multiple quotes, but again, that’s not a true statement. And often times, exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Because of the variability of car insurance rates, the only true way to ensure the lowest rates is to get as many comparison quotes as possible. It’s recommended that drivers get rate quotes from all three to have a good selection of rates to choose from. For a list of car insurance companies with low rates, click here to view.