Alaska Car Insurance

Additional Alaska car insurance coverages

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Alaska homeowners might consider:

• Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
• Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis or buses.
• Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from the snow.
• Repairing or replacing auto glass: Coverage for the repairs or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Alaska car insurance rates

There are several factors that impact auto insurance in Alaska, including individual circumstances, location, weather patterns and more. Here are key points to consider:

• Driving history: Your individual driving record significantly impacts insurance premiums. Drivers with clean records may have lower premiums, while drivers with a history of accidents or traffic violations typically face higher rates.
• Coverage options and limits: The types and amounts of coverage you choose affect your premiums. Opting for the minimum required coverage in Alaska tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
• Vehicle type: The make and model of your vehicle can influence car insurance rates in Alaska. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations.  
• Claims in Alaska: Insurance rates may be influenced by the frequency and severity of claims filed in the state. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Alaska.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Alaska car insurance discounts

Amica offers various auto insurance discounts to help Alaska drivers save more money on their premiums.¹ Here are some ways to save:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Alaskans over 55 who take an approved driver safety course may earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Alaska policy premium up front.

If you’re an Alaska driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount.¹

Facts and figures about Alaska

Fun facts about Alaska:

• The Alaska State Fair has long hosted contests for the largest cabbage and pumpkin. In 2012, a world-record cabbage weighing 138 pounds was unveiled at the fair. 
• On Upper Huffman Road in Anchorage, cars in neutral appear to roll uphill due to an optical illusion created by the land's layout.²
• The Gates of the Arctic in Alaska is a state park and nature preserve that has no roads, trails or park facilities.³

Facts about driving in Alaska:

• According to Alaskan law, drivers on a two-lane road outside urban areas must safely pull over if five or more vehicles are following them closely.⁴ 
• When driving in Alaska, watch out for animals like moose, caribou, deer, bears, and smaller ones like sheep or mountain goats. Be cautious at dawn, dusk and near animal crossing signs. If an animal crosses your path, Alaska DMV recommends you brake firmly but don’t swerve.⁴
• Alaskans under 18 must have a permit for six months before obtaining a provisional license. A parent, guardian or employer must certify that they have at least 40 hours of driving experience, including 10 hours in challenging conditions like bad weather and nighttime driving.⁴

With Amica, Alaskans can hit the road with confidence, knowing they’re prepared for any situation that may arise.