If you are visiting this page you must be looking for cheap Alaska auto insurance quote. This website allows you to quickly compare rates for auto insurance in AK. To get the list of the cheapest auto insurers in your area, simply enter your Zip Code and click Get Quotes button. Below you can find some basic information about Alaska vehicle insurance laws and DUI regulations that every driver should know.
Alaska Car Insurance Laws and Requirements
The state of Alaska follows certain road laws and requirements for the Alaska car insurance companies. These Alaska car insurance laws and requirements include a minimum limit for the Bodily Injury Liability of $50,000 for each injured person. The total coverage per accident is $100,000. The coverage of the Property Damage Liability also has a minimum limit of $25,000. This type of basic car insurance coverage in the state of Alaska is also known as the 50/100/25 coverage. These are the minimum car insurance coverage requirements in the State of Alaska.
The State of Alaska car insurance laws follow the Tort System, which means that a person should be found at fault for causing the car accident. The person found at fault will be required to pay for all the incurred damages with their car insurance policy. However, the Tort System varies from state to state, so it is recommended that you know the difference of the Tort System that your state follows to avoid any problems.
While the state of Alaska car insurance laws does not require its drivers to purchase the Underinsured/Uninsured Motorist Bodily Injury coverage, you should still consider having this added to your car insurance policy package. The Underinsured/Uninsured Motorist Bodily Injury coverage will pay for all the bodily injuries or damages that an uninsured or underinsured driver may cause. However, the laws for the Underinsured/Uninsured Motorist Bodily Injury coverage still vary from state to state.
Alaska Driving Under the Influence Laws and Penalties
As stated by Alaska’s law AS 28.35.030, a driver that has been stopped by the authorities while driving a motor vehicle, a watercraft, or an aircraft will be considered as driving under the influence of alcohol, inhalants or controlled substances if his or her blood alcohol level is greater than .07%. In accordance to the AS 28.33.030, a driver of a commercial motor vehicle is driving under the influence if his or her blood alcohol level is greater than .03%. The allowed BAC level is lower for drivers of commercial motor vehicles because these vehicles are larger in size and may a cause a significantly larger damage.
When a driver is stopped due to suspicion of DUI, he or she will be asked to undergo several standardized field sobriety tests. The driver will need to submit a preliminary blood test, or PBT. The driver may or may not be charged with DUI offense depending on the results of the PBT, the observations of the officer as well as the other field sobriety tests. If the driver is found to be driving under the influence, the vehicle will be towed and the driver will need to pay for the towing expenses if the driver is not accompanied by anyone who can drive the motor vehicle.Alaska Penalties for a First DUI Offense
If a driver is charged with a first Alaska DUI offense, he or she is required to spend a minimum jail time of 72 hours. This period may be increased, depending on the circumstances surrounding the charge. The defendant is also required to pay a minimum fine of $1,500 for the first DUI charge. On top of this $1,500 fine, the driver charged with DUI offense will also be required to pay for an imprisonment fee of $270. The license of the defendant will also be revoked for up to 90 days. There are other surcharges that the defendant will be required to pay. The minimum surcharge is $125, but can go up to $225.
Alaska Penalties for a Second DUI Offense
If a driver is arrested for a second DUI offense, he or she will be required to spend a jail time of 20 days. The driver will also be required to pay for a minimum fine of $3,000. On top of this charge, the arrested driver would also need to pay for an imprisonment fee of $1,000. The license of the defendant will also be revoked for up to 1 year. However, the court may grant a limited license to the driver under special circumstances such as if the driver needs to continue driving to be able to make a living. A driver charged with DUI is also required to pay for a surcharge of $125 to $225.
Alaska Car Insurance Policy Rates vs. the Average National Rates
The average rates of the Alaska car insurance policies are still considered to high despite the fact that the rate of car theft remains to be low. Compared to the United States national average of car insurance rates, which is $1,441 per motor vehicle, the average car insurance rates in Alaska is $1,413.20. This is mainly due to the state of Alaska’s weather conditions, the high rate of drunken driving as well as the significant rate of uninsured and underinsured drivers. So Alaska’s average is slightly below an average of all other states.
Top Ten Most Stolen Vehicles in Alaska
If the make, the year, and the model of your car is one of the top ten most stolen vehicles in Alaska, then you should understand that you would need to pay for higher rates with your Alaska car insurance provider. The top ten vehicles that car thieves favor in the state of Alaska include the 1997 Ford F150 Pickup, the 1990 Full Size Chevrolet Pickup, the 2001 Dodge Ram, the 1997 Honda Civic, the 1991 Subaru Legacy, the 1997 Ford Taurus, the 1999 Ford F250 Pickup, the 2003 Chevrolet C/K 1500 Extended Cab, the 1999 Ford Explorer and the 1997 Honda Accord.
Alaska Car Insurance Laws and Requirements
The state of Alaska follows certain road laws and requirements for the Alaska car insurance companies. These Alaska car insurance laws and requirements include a minimum limit for the Bodily Injury Liability of $50,000 for each injured person. The total coverage per accident is $100,000. The coverage of the Property Damage Liability also has a minimum limit of $25,000. This type of basic car insurance coverage in the state of Alaska is also known as the 50/100/25 coverage. These are the minimum car insurance coverage requirements in the State of Alaska.
The State of Alaska car insurance laws follow the Tort System, which means that a person should be found at fault for causing the car accident. The person found at fault will be required to pay for all the incurred damages with their car insurance policy. However, the Tort System varies from state to state, so it is recommended that you know the difference of the Tort System that your state follows to avoid any problems.
While the state of Alaska car insurance laws does not require its drivers to purchase the Underinsured/Uninsured Motorist Bodily Injury coverage, you should still consider having this added to your car insurance policy package. The Underinsured/Uninsured Motorist Bodily Injury coverage will pay for all the bodily injuries or damages that an uninsured or underinsured driver may cause. However, the laws for the Underinsured/Uninsured Motorist Bodily Injury coverage still vary from state to state.
Alaska Driving Under the Influence Laws and Penalties
As stated by Alaska’s law AS 28.35.030, a driver that has been stopped by the authorities while driving a motor vehicle, a watercraft, or an aircraft will be considered as driving under the influence of alcohol, inhalants or controlled substances if his or her blood alcohol level is greater than .07%. In accordance to the AS 28.33.030, a driver of a commercial motor vehicle is driving under the influence if his or her blood alcohol level is greater than .03%. The allowed BAC level is lower for drivers of commercial motor vehicles because these vehicles are larger in size and may a cause a significantly larger damage.
When a driver is stopped due to suspicion of DUI, he or she will be asked to undergo several standardized field sobriety tests. The driver will need to submit a preliminary blood test, or PBT. The driver may or may not be charged with DUI offense depending on the results of the PBT, the observations of the officer as well as the other field sobriety tests. If the driver is found to be driving under the influence, the vehicle will be towed and the driver will need to pay for the towing expenses if the driver is not accompanied by anyone who can drive the motor vehicle.Alaska Penalties for a First DUI Offense
If a driver is charged with a first Alaska DUI offense, he or she is required to spend a minimum jail time of 72 hours. This period may be increased, depending on the circumstances surrounding the charge. The defendant is also required to pay a minimum fine of $1,500 for the first DUI charge. On top of this $1,500 fine, the driver charged with DUI offense will also be required to pay for an imprisonment fee of $270. The license of the defendant will also be revoked for up to 90 days. There are other surcharges that the defendant will be required to pay. The minimum surcharge is $125, but can go up to $225.
Alaska Penalties for a Second DUI Offense
If a driver is arrested for a second DUI offense, he or she will be required to spend a jail time of 20 days. The driver will also be required to pay for a minimum fine of $3,000. On top of this charge, the arrested driver would also need to pay for an imprisonment fee of $1,000. The license of the defendant will also be revoked for up to 1 year. However, the court may grant a limited license to the driver under special circumstances such as if the driver needs to continue driving to be able to make a living. A driver charged with DUI is also required to pay for a surcharge of $125 to $225.
Alaska Car Insurance Policy Rates vs. the Average National Rates
The average rates of the Alaska car insurance policies are still considered to high despite the fact that the rate of car theft remains to be low. Compared to the United States national average of car insurance rates, which is $1,441 per motor vehicle, the average car insurance rates in Alaska is $1,413.20. This is mainly due to the state of Alaska’s weather conditions, the high rate of drunken driving as well as the significant rate of uninsured and underinsured drivers. So Alaska’s average is slightly below an average of all other states.
Top Ten Most Stolen Vehicles in Alaska
If the make, the year, and the model of your car is one of the top ten most stolen vehicles in Alaska, then you should understand that you would need to pay for higher rates with your Alaska car insurance provider. The top ten vehicles that car thieves favor in the state of Alaska include the 1997 Ford F150 Pickup, the 1990 Full Size Chevrolet Pickup, the 2001 Dodge Ram, the 1997 Honda Civic, the 1991 Subaru Legacy, the 1997 Ford Taurus, the 1999 Ford F250 Pickup, the 2003 Chevrolet C/K 1500 Extended Cab, the 1999 Ford Explorer and the 1997 Honda Accord.
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