Best Car Insurance for Drivers with a Poor Record in Alaska

Having a poor driving record can make finding affordable car insurance challenging. However, in Alaska, several insurance companies offer coverage even for those with less-than-ideal driving histories. Let’s explore some of the best options:

1. USAA

• Average Annual Cost: $9301

• Eligibility: USAA auto insurance is available exclusively to members of the military, veterans, and their families.

• Why Consider USAA?: USAA consistently provides competitive rates and excellent customer service. If you qualify, it’s a top choice for affordable coverage.

2. Umialik

• Average Annual Cost: $1,156 (for good drivers)2

• Why Consider Umialik?: Umialik offers reasonable rates and may be a suitable option for drivers with a poor record.

3. State Farm

• Average Annual Cost: $1,699 (for good drivers)2

• Why Consider State Farm?: State Farm is a well-established insurer with a strong presence in Alaska. They offer personalized service and competitive rates.

4. Geico

• Average Annual Cost: $1,338 (for good drivers)3

• Why Consider Geico?: Geico provides straightforward online quotes and often offers competitive rates.

5. Allstate

• Average Annual Cost: $1,346 (for drivers with a speeding ticket)4

• Why Consider Allstate?: Allstate has a wide network of agents and provides various coverage options.

Factors to Consider:

• Minimum Coverage Requirements: In Alaska, the minimum required coverage is $50,000 per person/$100,000 per accident in bodily injury liability and $25,000 in property damage liability.

• DUI Convictions: A DUI conviction increases car insurance rates by approximately 33% in Alaska2. For drivers with a DUI, Umialik and USAA are among the most affordable options.

• Poor Credit: Drivers with bad credit pay an average of 44% more for car insurance in Alaska2. Umialik and USAA may be good choices for those with poor credit.

Remember to compare quotes from multiple insurers to find the best coverage at the right price. Each individual’s situation is unique, so consider your specific needs and driving history when making your decision.

For more detailed information, you can refer to the following sources:

• Forbes Advisor: Best Cheap Car Insurance in Alaska 2024

• NerdWallet: Cheap Car Insurance in Alaska for March 2024

• U.S. News & World Report: Best Car Insurance in Alaska

Remember that insurance rates can vary based on individual circumstances, so it’s essential to get personalized quotes. Safe driving and responsible coverage choices are crucial for all Alaskan drivers! 🚗🌟