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Non-owner auto insurance in Alaska costs $168 per year, which is $239 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Alaska, non-owner policies are available from companies such as GEICO, Western National Insurance and State Farm.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Alaska.

Key Takeaways

  • The average non-owner car insurance cost in Alaska is $14 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in Alaska pays an average of $370 for non-owner car insurance, whereas a 25-year-old male pays $184 a year for the same coverage.
  • GEICO offers most affordable rates for non-owner car insurance in Alaska at $171.

How much does non-owner auto insurance cost in Alaska?

Insurers consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,513 a year for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Alaska, full coverage car insurance costs $2,215.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $168 in Alaska.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

Which insurer offers the cheapest non-owner insurance rates in Alaska?

In Alaska, GEICO’s non-owner insurance policy is the cheapest at $171 a year.

At $464 a year, Progressive charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Alaska

CompanyAverage annual premium
GEICO$171
Western National Insurance$178
State Farm$178
Progressive$464
USAA*$116
*USAA is only available to military community members and their families.
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How much is non-owner car insurance in Alaska by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Alaska non-owner insurance costs $164 a year for a 45-year-old, while it’s $370 for a 16-year-old driver.

Average non-owner auto insurance rates in Alaska by age and gender

AgeRates for male driversRates for female drivers
16$374$365
17$306$294
18$280$287
19$243$237
20$242$224
21$218$204
22$209$200
23$201$194
24$197$191
25$186$182
30$184$182
35$176$168
40$169$167
45$164$164
50$162$162
55$160$160
60$159$156
65$165$162
70$180$170
75$205$199
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Which Alaska cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Alaska.

The 20 Alaska cities with the lowest non-owner auto insurance rates

CityNon-owner car insurance rates
Douglas$138
Ketchikan$138
Coffman Cove$138
Craig$138
Hydaburg$138
Hyder$138
Klawock$138
Metlakatla$138
Meyers Chuck$138
Point Baker$138
Thorne Bay$138
Ward Cove$138
Wrangell$138
Port Alexander$138
Sitka$138
Petersburg$139
Angoon$139
Elfin Cove$139
Gustavus$139
Haines$139
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The 20 Alaska cities with the highest non-owner car insurance rates

CityNon-owner car insurance rates
Jber$296
Prudhoe Bay$296
Eagle River$294
Chugiak$294
Palmer$282
Big Lake$277
Knik-Fairview$276
Sutton-Alpine$274
Houston$269
Anchorage$262
Willow$258
Indian$254
Girdwood$251
Whittier$232
Tyonek$224
Skwentna$221
Wasilla$218
Trapper Creek$216
Glennallen$209
Eielson AFB$189
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How much is non-owner car insurance in Alaska’s 10 biggest cities?

The largest cities in Alaska have different non-owner insurance rates. The cost of non-owner insurance in Palmer is the highest at $282. Ketchikan has the least expensive rates of the largest cities in the state at $138.

Non-owner auto rates in Alaska’s 10 largest cities

10 largest citiesNon-owner car insurance rates
Ketchikan$138
Sitka$138
Bethel$151
Kenai$162
Homer$165
Juneau$182
Fairbanks$186
Wasilla$218
Anchorage$262
Palmer$282
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How non-owner insurance rates in Alaska compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Alaska’s average non-owner insurance rate is $168 a year, lower than the $407 national average.

Non-owner car insurance rates in the 10 most populous states

StateAverage annual premium
California$394
Florida$925
Georgia$407
Illinois$395
Michigan$462
North Carolina$581
New York$661
Ohio$245
Pennsylvania$352
Texas$418
National Average$407
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What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Alaska

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps:

  1. Contact an auto insurance agent about the coverage
  2. Share your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few insurance companies with phone numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • GEICO: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033
  • USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
Golnoush GoharzadPersonal injury attorney, California.
These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Frequently asked questions

Who needs non-owner car insurance in Alaska?

Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.

Is non-owner car insurance available to everyone?

Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.

Can I get non-owner car insurance if I live with someone who owns a car?

If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.

What is the difference between non-owner and standard car insurance?

Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.

How much is car insurance in other states

Alabama$389/Year
Arizona$477/Year
Arkansas$337/Year
California$394/Year
Colorado$345/Year
Connecticut$991/Year
Delaware$762/Year
Florida$925/Year
Georgia$407/Year
Hawaii$333/Year
Idaho$209/Year
Illinois$395/Year
Indiana$286/Year
Iowa$171/Year
Kansas$340/Year
Kentucky$399/Year
Louisiana$419/Year
Maine$201/Year
Maryland$471/Year
Massachusetts$499/Year
Michigan$462/Year
Minnesota$278/Year
Mississippi$339/Year
Missouri$440/Year
Montana$326/Year
Nebraska$277/Year
Nevada$569/Year
New Hampshire$379/Year
New Jersey$708/Year
New Mexico$334/Year
New York$661/Year
North Dakota$200/Year
Ohio$245/Year
Oklahoma$291/Year
Oregon$676/Year
Pennsylvania$352/Year
Rhode Island$451/Year
South Dakota$201/Year
Tennessee$386/Year
Texas$418/Year
Utah$603/Year
Vermont$317/Year
Virginia$378/Year
Washington$403/Year
West Virginia$229/Year
Wisconsin$290/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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