Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age 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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Alaska
Non-owner car insurance costs an average of $22 a month and $260 per year in Alaska for the coverage limit of 50/100/25.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
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 can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
The table below highlights the cheapest non-owner car insurance companies 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 vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,060 monthly, whereas if you add a 16-year-old female, you’ll pay $978 per month, based on CarInsurance.com’s analysis.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs 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 the average cost of non-owner auto insurance is $18 per month or $216 per year, and Sitka drivers pay $18 a month 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Alaska city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on 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
In Alaska, a 40-year-old driver living in ZIP code 99918 pays $215 a year or $18 per month for non-owner insurance, while the coverage costs $215 a year or $18 per month for a driver in ZIP code 99928 with a clean driving record.
When should you consider buying non-owner car insurance in Alaska?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed 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 are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
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.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
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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