Non-owner auto insurance in Alaska: Which company has the cheapest rates?

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Non-owner auto insurance in Alaska costs $233 per year, which is $147 lower than the national average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in Alaska, such as Western National Mutual, State Farm and Progressive.

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.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Alaska.

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

It’s usually cheaper to buy non-owner insurance than typical car insurance because insurance companies regard non-owner policyholders less of a risk due to their limited access to a vehicle.

On average in the United States, it costs $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. This applies to drivers with a clean driving record and good credit score. In Alaska, the cost is $1,359.

Alternatively, non-owner auto insurance is $233 a year in Alaska and $380 on average in the U.S.

But actual rates are based on how old you are, your driving history, your chosen insurance company and other factors.

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

With an average annual cost of $99, USAA’s non-owner insurance policy is Alaska’s most affordable.

At $653, Progressive charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Alaska

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Alaska by age?

Age is also an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Alaska non-owner insurance costs, on average, $1,013 a year for a 16-year-old, whereas it’s $236 for a 45-year-old driver.

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

Which Alaska cities have the cheapest non-owner auto insurance?

From city to city, there’s a lot of variation in rates. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are charts displaying the cities in Alaska that have the least and most expensive non-owner auto insurance rates.

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

The 20 Alaska cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Alaska’s 10 biggest cities?

The most populous cities in Alaska sometimes have significantly different non-owner insurance rates. The non-owner insurance rate in Anchorage is the highest at $329, whereas Coffman Cove, Ketchikan and Ward Cove have the cheapest prices among the state’s largest cities at $198.

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

How non-owner insurance rates in Alaska compare to rates in other states

From state to state, the rates for non-owner auto insurance can also vary. Alaska’s average non-owner insurance rate is $233; lower than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. After that is Iowa at $193 annually.

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

How to get non-owner car insurance in Alaska

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply 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.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting itstheir website.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

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.