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How a speeding ticket impacts your insurance in Alaska

Seward Highway near Anchorage
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A speeding ticket in Alaska is considered a minor offense, but that does not mean you can avoid the consequences. If you get pulled over in Alaska for speeding, you could be fined and lose your license if you have multiple offenses on your record. In addition, Alaska drivers with a speeding ticket will pay a higher car insurance rate than drivers without an incident on their motor vehicle report.

How much is a speeding ticket in Alaska?

In Alaska, the average cost of a speeding ticket usually does not exceed $300. The actual fine depends on how fast the driver was traveling over the posted speed limit. Alaska drivers who get pulled over for speeding may also face license suspension.

Alaska uses a points system to keep unsafe drivers off the road. After a speeding ticket, a driver will receive anywhere from two to six points on their record. If a driver accumulates 12 or more points within 12 months or 18 points within two years, they may have their driving privileges revoked.

How much does a speeding ticket increase your car insurance in Alaska?

Drivers convicted of a speeding ticket in Alaska will see their car insurance rates increase. The rate increase depends on personal factors, including age, gender and the type of speeding ticket received. Bankrate’s analysis of premium data from Quadrant Information Services indicates that the average increase for a single speeding ticket is about 17%, with male drivers generally experiencing more of an increase in rates.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,472 $1,816 23%
40-year-old female $1,645 $1,825 11%
Average $1,559 $1,821 17%

How to lower your car insurance after a speeding ticket in Alaska

Your car insurance premium will increase after a speeding ticket in Alaska, even if you have no prior violations. Having a speeding ticket on your record indicates that you may not be the safest driver, and statistically, having a ticket increases your likelihood of getting a second. Fortunately, there may be a few ways that you can get your insurance rate back down.

Get quotes from other car insurance companies

The rate increase after a speeding ticket is partially dependent on your insurance company. If you want to lower your rate after getting a ticket, obtain quotes from different insurance carriers to see if they can offer a better price. In the table below, we have included the average rates before and after a speeding ticket from a few of the best car insurance companies in Alaska.

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Progressive $1,247 $1,681 35%
State Farm $1,190 $1,213 2%
USAA $1,069 $1,344 26%

*Premiums are average annual full coverage premiums for 40-year-olds

When comparing car insurance companies, it is important to look at factors besides price. For instance, the cheaper provider may not offer the amount of coverage you need. Make sure to read customer reviews and do some research into the coverage options and discounts available before selecting a new provider. Also, make sure the insurers are including your recent speeding ticket in your quotes so that you do not have any surprises later if you choose to purchase that policy.

Take a defensive driving course

Many car insurance companies offer a discount to drivers who complete an approved defensive driving course or related driver training program. However, the savings potential will vary between insurance companies. Check with your insurer before enrolling in the course to understand if you would be eligible for a discount.

Improve your credit score

Your credit-based insurance score is a rating factor for car insurance in Alaska. Drivers with poor credit pay the highest car insurance rates, so having good credit can help you get a lower premium. Consider working to improve your credit score to get a less expensive monthly premium.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance company for drivers with speeding tickets varies. Ultimately, there is no best company because every driver has different auto insurance needs. To find the best provider for you, shop around and compare providers based on the type and amount of coverage you need, and then get personalized quotes.

What is the average car insurance premium in Alaska?

The average annual cost of car insurance in Alaska is $1,559 for full coverage, which is $130 a month. However, every driver pays a different rate. Some of the biggest factors that impact car insurance premiums include age, credit-based insurance score, claim history, policy limits and policy deductibles.

How much car insurance is required in Alaska?

Alaska drivers are required to carry at least the minimum amount of car insurance. Alaska’s minimum insurance requirements are abbreviated as 50/100/25, including $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female drivers with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and a single speeding ticket.

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Managing Editor