Home Car insurance Non-owner car insurance Non-owner auto insurance in Alaska Non-owner auto insurance in Alaska: Which company has the cheapest rates? Residents pay an average of $260 for non-owner car insurance, but Western National Insurance and State Farm offer lower rates. View Carriers Please enter valid zip Compare top carriers in your area Written by Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Reviewed by Laura Longero Laura Longero Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network. | Expert insight from Golnoush Goharzad Golnoush Goharzad Personal injury attorney, California.Go to comment | Updated on: April 8, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Non-owner auto insurance in Alaska costs $260 annually, which is $65 less than the average nationally, according to an Insure.com rate analysis.In Alaska, non-owner policies are available from companies such as Western National Insurance, State Farm and Geico. “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 $22 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 $1,019 for non-owner car insurance, whereas a 25-year-old male pays $282 a year for the same coverage.Western National Insurance offers most affordable rates for non-owner car insurance in Alaska at $153. How much does non-owner car insurance cost in Alaska?Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.On average in the United States, it costs a driver with a clean driving record and good credit score $1,895 per 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 $1,676.Alternatively, non-owner car insurance is $325 a year on average in the U.S. and $260 in Alaska.But various factors affect individual rates, such as where in state you live, your age and driving history and other factors. You might find interesting The best, cheapest car insurance in AlaskaCheapest car insurance in AlaskaAlaska car insurance calculatorCheapest SR-22 insurance in Alaska Which insurer offers the cheapest non-owner insurance rates in Alaska?In Alaska, Western National Insurance’s non-owner insurance policy is the cheapest at $153 a year.At $715 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 AlaskaCompanyAverage annual premiumWestern National Insurance$153State Farm$162Geico$173Progressive$715USAA$109Note that USAA only offers coverage to military members, veterans and their families.How much is non-owner car insurance in Alaska by age?Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $1,019 a year for a 16-year-old and $256 for a 45-year-old in Alaska.Average non-owner auto insurance rates in Alaska by age and genderAgeRates for male driversRates for female drivers16$1,060$97817$929$85818$766$71319$495$46920$449$42321$381$35722$352$33823$331$31424$311$30225$289$27630$273$27035$259$26240$256$26345$253$25950$252$25055$248$24360$249$24065$265$24870$280$26675$335$296See how non-owner car insurance prices vary in major U.S. citiesAustinCharlotteChicagoColumbusDallasDenverFort WorthHoustonIndianapolisJacksonvilleLos AngelesNew YorkOklahoma CityPhiladelphiaPhoenixSan AntonioSan DiegoSan FranciscoSan JoseSeattleShow moreWhich 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 ratesCityNon-owner car insurance ratesCoffman Cove$215Ward Cove$215Ketchikan$216Angoon$216Wrangell$217Haines$218Petersburg$218Gustavus$219Hoonah$219Skagway$219Craig$220Hydaburg$220Klawock$220Metlakatla$220Meyers Chuck$220Point Baker$220Thorne Bay$220Elfin Cove$220Hyder$221Port Alexander$221The 20 Alaska cities with the highest non-owner car insurance ratesCityNon-owner car insurance ratesJber$344Chugiak$342Eagle River$342Palmer$333Sutton-Alpine$325Knik-Fairview$323Big Lake$323Houston$318Anchorage$313Willow$307Indian$302Girdwood$300Wasilla$294Fort Wainwright$286Fairbanks$282Glennallen$281Whittier$280Steele Creek$276Badger$275Two Rivers$275How much is non-owner car insurance in Alaska’s 10 biggest cities?The most populous cities in Alaska have varying non-owner insurance rates. The cost of non-owner insurance in Palmer is the most expensive at $333; Ketchikan has the cheapest rates of the largest cities in the state at $216.Non-owner auto rates in Alaska’s 10 largest cities10 largest citiesNon-owner car insurance ratesPalmer$333Anchorage$313Wasilla$294Fairbanks$282Bethel$266Homer$264Kenai$264Juneau$231Sitka$221Ketchikan$216How non-owner insurance rates in Alaska compare to rates in other statesNon-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Alaska is $260 a year, which is lower than the national average of $325.Non-owner auto insurance rates in the 10 most populous statesStateAverage annual premiumCalifornia$299Florida$545Georgia$312Illinois$279Michigan$513New York$421North Carolina$470Ohio$214Pennsylvania$263Texas$447National Average$325What 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 auto insurance in AlaskaYour driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.To purchase a policy, follow these steps:Contact an auto insurance agent about the coverageSupply your basic driving historyReview the information you receive on the insurers and ratesChoose the policy that best meets your needsPut down a payment to begin coverageOften, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.State Farm: 800-782-8332Geico: 800-207-7847Progressive: 888-671-4405Allstate: 800-726-6033USAA: 800-531-8722MethodologyInsure.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.What our expert says Q: Does a non-owner policy cover damage to your car? 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 statesAlabama$380/YearArizona$396/YearArkansas$266/YearCalifornia$299/YearColorado$282/YearConnecticut$395/YearDelaware$344/YearFlorida$545/YearGeorgia$312/YearHawaii$395/YearIdaho$187/YearIllinois$279/YearIndiana$259/YearIowa$153/YearKansas$274/YearKentucky$375/YearLouisiana$330/YearMaine$238/YearMaryland$438/YearMassachusetts$445/YearMichigan$513/YearMinnesota$302/YearMississippi$321/YearMissouri$358/YearMontana$299/YearNebraska$186/YearNevada$346/YearNew Hampshire$318/YearNew Jersey$459/YearNew Mexico$293/YearNew York$421/YearNorth Carolina$470/YearNorth Dakota$209/YearOhio$214/YearOklahoma$242/YearOregon$441/YearPennsylvania$263/YearRhode Island$518/YearSouth Carolina$368/YearSouth Dakota$170/YearTennessee$363/YearTexas$447/YearUtah$444/YearVermont$296/YearVirginia$290/YearWashington$349/YearWest Virginia$367/YearWisconsin$230/YearWyoming$215/YearShow more Explore other insurance options in Alaska Average car insurance cost in Alaska Average renters insurance cost in Alaska Average homeowners insurance cost in Alaska Leslie KasperowiczManaging Editor | . .Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does non-owner car insurance cost in Alaska?Which insurer offers the cheapest non-owner insurance rates in Alaska?How much is non-owner car insurance in Alaska by age?Which Alaska cities have the cheapest non-owner car insurance?How much is non-owner car insurance in Alaska's 10 biggest cities?How non-owner insurance rates in Alaska compare to rates in other statesWhat does non-owner auto insurance cover?How to get non-owner auto insurance in AlaskaMethodologyWhat our expert saysFrequently asked questions ZIP Code Please enter valid ZIP See rates