Non-Owner Car Insurance in Alaska: The Cheapest Options and What You Need to Know

Non-owner car insurance in Alaska, on average, costs $410 per year. State Farm is the cheapest, widely available provider in the state at an average of $338 annually. Read through MoneyGeek’s guide to learn more about non-owner car insurance in Alaska.

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Last Updated: 4/29/2022
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In Alaska, non-owner car insurance is a good option for drivers who frequently drive rented cars. Drivers who need proof of insurance to reinstate their license may also find non-owner car insurance more appealing than other policies.

In Alaska, a driver with a clean driving record pays an average of $410 per year for non-owner car insurance. On the other hand, a driver with a serious driving violation, such as a DUI, pays around $620 annually for the same policy.

To help you find the best rates, MoneyGeek broke down quotes from various non-owner car insurance companies in Alaska. We also identified situations when drivers should and shouldn’t buy non-owner car insurance.

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Cheapest Non-Owner Car Insurance Companies in Alaska

A non-owner car insurance policy is usually cheaper than a regular car insurance policy. To save more money, you can compare quotes from various providers.

MoneyGeek’s study shows these companies have the most affordable widely available non-owner car insurance in Alaska:

  • State Farm: $338 per year
  • GEICO: $537 per year

If you have a military background, you may be eligible for USAA, which offers the cheapest non-owner car insurance policy in Alaska at an average of $180 annually.

On the other hand, at $586 per year on average, Progressive is the state’s most expensive provider.

The quotes in this study are for a 40-year-old driver with a non-owner car insurance policy in Alaska with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Alaska

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $180
    $15
  • State Farm
    $338
    $28
  • GEICO
    $537
    $45
  • Progressive
    $586
    $49
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How Much Is Non-Owner Car Insurance in Alaska?

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Across all insurance companies in Alaska, the average cost of non-owner car insurance is $410 per year. Compared with regular car insurance that costs $516 on average, non-owner car insurance is about $106 cheaper.

Drivers with severe violations on their records can also see a significant cost difference between non-owner and regular car insurance. If you have a DUI in Alaska, a non-owner car insurance policy will cost you an average of $620 annually. Meanwhile, a regular car insurance policy for the same driver costs $770 per year on average.

Cheapest SR-22 Non-Owner Car Insurance Companies in Alaska

Non-owner car insurance is an affordable option for drivers who need proof of insurance to file an SR-22 to have their license reinstated. Drivers typically file an SR-22 in Alaska after a DUI or other serious driving violations.

MoneyGeek ranked the most affordable, widely available insurers in the state for drivers with a bad record, such as a DUI, to help you find cheap non-owner car insurance in Alaska:

  • State Farm: $338 per year
  • Progressive: $713 per year

USAA is the cheapest non-owner car insurance provider in Alaska if you have a military background at an average of $282 annually.

GEICO is Alaska’s most expensive non-owner SR-22 car insurance provider at $1,147 per year on average.

Cheapest SR-22 Non-Owner Car Insurance Companies in Alaska

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $282
    $24
  • State Farm
    $338
    $28
  • Progressive
    $713
    $59
  • GEICO
    $1,147
    $96
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What Is Non-Owner Car Insurance in Alaska?

Drivers who need to be insured and don’t own a car can look at non-owner car insurance, also called non-owner liability insurance, as their best option. Such policies include only Alaska’s minimum coverages.

For added security, you can add uninsured or underinsured motorist coverage once you purchase a non-owner liability car insurance policy in Alaska. Note that, unlike full coverage car insurance, non-owner car insurance doesn’t have comprehensive and collision coverages.

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The state of Alaska requires non-owner car insurance policies to meet its minimum coverage levels, which include:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Alaska?

Non-owner car insurance works best for the following driver profiles:

  • Drivers who need to have their license reinstated. You need to have proof of insurance if you’re applying for the reinstatement of your driver’s license in Alaska. You can benefit from non-owner car insurance since it’s cheaper than other car insurance policies.
  • Drivers who frequently rent cars or use car-sharing services. A non-owner car insurance policy protects drivers driving a rented or borrowed car in case they’re at fault in an accident. It has liability insurance that covers third-party injuries and property damage.
  • Drivers avoiding an insurance lapse. If you temporarily don’t have a car and want to avoid an insurance lapse, a non-owner car insurance policy is your cheapest option in Alaska.

Who Shouldn’t Get Non-Owner Car Insurance in Alaska?

You don’t need to buy a non-owner car insurance policy if you’re only borrowing someone’s car. For instance, if you’re living in Anchorage and a friend lent you their car, your friend’s insurance policy protects you whenever you’re driving their vehicle.

You also don’t need non-owner car insurance if you only rent cars occasionally. Car insurance from the rental company is enough if you only rent cars once or twice a year.

How to Get Non-Owner Car Insurance in Alaska

Non-owner car insurance rates vary depending on your profile and preferred insurance provider. Quotes are usually unavailable online. The best way to determine non-owner car insurance prices in Alaska is by calling insurance companies and requesting personalized quotes.

MoneyGeek collated the contact details of insurers in Alaska that offer non-owner car insurance in the list below.

Contact Non-Owner Car Insurance Companies in Alaska
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405

Frequently Asked Questions About Alaska Non-Owner Car Insurance

Non-owner and traditional car insurance are two different policies, yet the differences can cause some confusion. MoneyGeek answered some of the frequently asked questions about non-owner car insurance to help you understand the topic better.

Methodology

MoneyGeek collected non-owner car insurance quotes across insurers in Alaska in collaboration with Quadrant Information Services. The policies in this guide are for a 40-year-old driver with either a safe driving record or a DUI. These policies are compliant with Alaska’s minimum car insurance requirements, except for liability insurance policies, which have the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance have the same limits as above.