Alaska Car Insurance Quotes

Alaska is the largest of the United States, but it is the least populated. It is well known for its miles of unspoiled wilderness, where travelers like to hike and hunt during the short summer. More than half of the people who live in Alaska make their homes in or near the capital city of Anchorage. The economy is largely based on the oil and gas industry, supplemented by seafood and fish exports.

If you plan to move to Alaska, it is a good idea to look into your car insurance costs before you relocate. You can take advantage of online insurance quotes to find out exactly what to expect before you become an Alaskan resident. Current residents can also benefit from checking car insurance quotes at least once a year. Life changes can cause your rates to fluctuate over time. Even if you are pleased with your current insurance company, understanding your options can help you negotiate a better rate.

Minimum Car Insurance Requirements in Alaska

- Required Minimum Bodily Injury Liability Coverage

• $50,000 per person injured in any one accident
• $100,000 for all persons injured in any one accident

- Required Minimum Property Damage Liability Coverage

• $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

- Uninsured (UM) and Underinsured Motorist (UIM) Coverage

• $50,000 for bodily injury coverage for one person injured in one accident
• $100,000 in coverage for all persons injured in one accident
• UM/UIM coverage must match any bodily injury coverage that exceeds the legal minimum.
• If you would like to know how much you could pay for car insurance in Alaska, enter your zip code into the form on this page for more information.

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Alaska Registration and Driver's License Transfer

When you move to Alaska, you will need to transfer your vehicle registration and driver's license as soon as possible. Those who are on active military duty or attending college are not required to make a transfer because the state does not consider them residents. Anyone who employed within the state is a resident and must transfer their registration, title, and license.

Registration Transfer Timing

Anyone who drives a vehicle in Alaska for more than 60 days is required to transfer the vehicle registration and title to Alaska. The only exceptions are military personnel and students. When you obtain employment in Alaska, you have to register your vehicle within 10 days of your first day on the job. You can transfer your title at any Alaska Department of Motor Vehicles office. You must apply in person when you are transferring a title in from another state.

Alaska Car Insurance Requirements

You must present proof of valid Alaska insurance before you can transfer your vehicle's registration. The insurance period needs to begin before you file an application for a transfer. Your insurance card needs to be in the vehicle at all times so that it will be available if you are involved in an accident. If you do not carry your proof of insurance with you, you could be subject to steep fines and could have your driver's license suspended for a period of 90 days to 12 months.

Documents Needed for Registration Transfers

Alaska requires new residents to complete and submit an application for vehicle registration transfer within 10 days of becoming a resident of the state. You will also need to bring a photo identification and proof that you are in the United States legally. The DMV will need to see your valid title from your previous state, and the title should have your legal name printed clearly on it. You will also need to present your current out of state registration. In some cases, the DMV requires that vehicle owners in certain areas near Anchorage provide proof that their vehicles have passed an emissions test.

If you own a vehicle that is currently under a lien, you will need to provide some extra paperwork. You will still need to fill out the standard registration application, but you will also need to make sure that you list the lien holder's name and address on the application. You will need to present the manufacturer's certificate of origin, or the original title. The registered owner must sign the application, even if the owner is a lending institution. It is possible to submit a power of attorney signature to represent the legal owner on the registration transfer application.

You will need to have documented proof of your identity and your residency before the state will issue you an Alaska driver's license. The acceptable documents include original or certified copies of a United States birth certificate, a current United States or Canadian passport, or certification of your legal presence in the United States. You must also provide a document that proves that you are a resident of Alaska. The DMV will accept utility bills that display your address and your legal name, paycheck stubs from Alaskan businesses, or tax documents that show your Alaskan address and your legal name. Rental or mortgage documents are also acceptable.

Alaska Grace Period for Driver's License Transfer

If you are at least 16 years old and have a driver's license from another state, you must transfer your driver's license within the first 30 days after you become a resident of Alaska. If you are visiting for an extended period but do not plan to become a resident, you must transfer your driver's license after 90 days. Non-residents who drive in Alaska with commercial driver's licenses do not need to transfer their licenses, regardless of the amount of time they spend in the state.

Driving Records

When you apply to transfer your driver's license from another state to Alaska, the Division of Motor Vehicles will require you to surrender your out-of-state license before you can receive an Alaska license. Drivers who have expired licenses or have lost their original licenses will be required to present a certified driving record or a letter of verification from the state of previous licensing. Without the proof of a previous driving record, the state treats the driver as if he or she never held a valid license before. The fees and testing will be the same as they would be for anyone seeking an original license.

Driver's License Exams

Everyone who needs to transfer a driver's license from another state is required to take a vision exam. You will also be required to take a written test that proves your understanding of the Alaskan traffic regulations. You can download a driving manual from the Alaska DMV website before you move if you are worried about passing the written test. No one surrendering a valid license from another state or from Canada will be required to take a road test. Those who do not have licenses to surrender will have to take the road test, however.

Special Conditions for Younger Drivers

Any driver's licenses issued to a drivers who are less than 21 years old will expire within 90 days of their 21st birthdays. After a driver turns 21, he or she must pass an alcohol and drug awareness test before receiving a new driver's license. There are some exceptions to this rule. No one older than 21 years of age when transferring a driver's license from another state will need to take the alcohol and drug awareness test. Those who transfer before their 21st birthday will be responsible for the test, however.

Car Insurance in Alaska

Anchorage Car Insurance
Bethel Car Insurance
Fairbanks Car Insurance
Juneau Car Insurance
Kenai Car Insurance
Ketchikan Car Insurance
Kodiak Car Insurance
Palmer Car Insurance
Sitka Car Insurance
Wasilla Car Insurance