Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Alaska driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $22 a month in Alaska for the coverage limit of 50/100/25.
- The non-owner car insurance rate is $260 per year—lower than liability-only coverage of $508 for Alaska drivers.
- Western National Insurance offers the cheapest non-owner car insurance rates in Alaska at an average cost of $13 per month.
Do I need non-owner car insurance in Alaska?
Non-owner car insurance in Alaska is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Alaska
Non-owner car insurance costs $22 a month or $260 per year in Alaska for coverage limits of 50/100/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Alaska
According to CarInsurance.com’s analysis, Western National Insurance offers the lowest non-owner car insurance rates in Alaska, with an average cost of $13 per month. State Farm and Geico also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
Below is a table showing the cheapest companies for non-owner car insurance in Alaska.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Western National Insurance | $153 | $13 |
| State Farm | $162 | $14 |
| Geico | $173 | $14 |
| Progressive | $715 | $60 |
| USAA* | $109 | $9 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Alaska, by age and gender
Non-owner car insurance costs in Alaska can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $1,060 a month, while adding a 16-year-old female might increase your monthly cost by $978 .
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Alaska.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $813 | $754 |
| Young Adults (20-24) | $365 | $347 |
| Adults (25-60) | $260 | $258 |
| Seniors (65-75) | $293 | $270 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Alaska cities
In Ketchikan non-owner auto insurance costs $18 per month or $216 annually, while drivers in Sitka pay $18 monthly for the same coverage.
In Alaska, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Alaska, you can expect to pay more for non-owner insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Ketchikan | $216 | $18 |
| Sitka | $221 | $18 |
| Juneau | $231 | $19 |
| Kenai | $264 | $22 |
| Homer | $264 | $22 |
| Bethel | $266 | $22 |
| Fairbanks | $282 | $24 |
| Wasilla | $294 | $25 |
| Anchorage | $313 | $26 |
| Palmer | $333 | $28 |
Affordable non-owner insurance in Alaska, by ZIP code
A Alaska driver aged 40 living in ZIP code 99918 pays $215 annually or $18 monthly for non-owner car insurance, while a 40-year-old in ZIP code 99928 with a clean driving record pays $215 per year or $18 per month.
When should you consider buying non-owner car insurance in Alaska?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Alaska
Non-owner car insurance is a good option in Alaska to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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