Cheapest and Best Non-Owner Car Insurance in Alaska (2024)

Non-owner car insurance is ideal for individuals who don’t own the vehicle they’re driving but still need liability coverage. Carrying this insurance policy type can help drivers with violations on their records reinstate their suspended or revoked licenses.

According to our findings, GEICO is the most affordable insurance company for non-owner car insurance in Alaska. It's also the best choice for individuals seeking a combination of affordability and service quality. State Farm provides the lowest rate for non-owner drivers with violations. As always, consider your personal needs and driver profile to determine if buying non-owner car insurance is the best financial decision for your situation.

These insurance companies offer the cheapest non-owner car insurance in Alaska:

• Drivers with clean records: GEICO ($26 per month)
• Drivers with traffic violations: State Farm ($34 per month)

Non-owner car insurance tends to be more expensive for drivers with violations on their records. In Alaska, the cheapest policy for a driver with a violation costs $8 more than the most affordable policy for someone with a clean driving history.

In Alaska, the most affordable non-owner car insurance policies for drivers with clean records are provided by:

• GEICO: $26 per month
• State Farm: $30 per month

With an average monthly rate of $21, USAA is the cheapest provider for non-owner drivers. However, its policies are only available for active military personnel, veterans and their families. Non-owner car insurance in Alaska costs an average of $36 per month, which is $7 cheaper than the national average of $43 per month.

The following companies offer the cheapest SR-22 insurance in Alaska for non-owner drivers with traffic offenses on their records:

• State Farm: $34 per month
• GEICO: $35 per month

USAA offers the most affordable SR-22 non-owner insurance for those with military affiliations at $30 per month.

Committing a serious driving violation, like a DUI or an at-fault accident, may necessitate filing an SR-22 form, which may drive up your insurance rates. In Alaska, the cheapest non-owner SR-22 insurance costs $34 per month — $25 lower than the national average of $59 per month.

Drivers who rent or borrow cars often can benefit from non-owner insurance as it provides liability protection for third-party bodily injuries and property damage. Remember that this policy type doesn't cover your injuries or damages to the vehicle you're driving.

Non-owner car insurance is usually more affordable than standard auto insurance. Check out the table below to see the differences between non-owner and full coverage policies in terms of coverage.

Non-owner auto insurance in Alaska costs an average of $36 per month, which is $7 cheaper than the national average of $43 per month.

The city you live in can affect your car insurance premiums. However, your age, car's make and model, coverage levels and driving record often have a more significant impact on how much you'll pay for auto insurance.

For non-owner drivers in Alaska, the following car insurance companies are known for providing high-quality service at a low cost:

• GEICO: MoneyGeek score of 78 out of 100 ($26 per month)
• State Farm: MoneyGeek score of 75 out of 100 ($30 per month)
• Progressive: MoneyGeek score of 52 out of 100 ($68 per month)

We ranked auto insurers based on their affordability, J.D. Power customer satisfaction ratings and financial stability ratings from AM Best. Below are our brief overviews of the top three car insurance companies in Alaska to help you determine the best option for your non-owner car insurance needs:

Non-owner car insurance is suitable for those who don’t own cars but frequently drive rented or borrowed vehicles. It’s also ideal for drivers who want to avoid a lapse in their coverage history and those who wish to reinstate their licenses.

We answered some frequently asked questions to help you better understand non-owner car insurance in Alaska.