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In the US State of Alaska, drivers can get penalty points or a demerit point, which can result in their driving license being canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Alaska State drivers over a period of time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. Read our article to find out If Speeding Points Affect Insurance.
How do Points on a Driver’s License Affect Insurance in Alaska?
In Alaska, driver’s license points affect insurance premium costs. Based on our case study, Alaska’s average car insurance premium
is $1,559 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 40%, which will be $1674 on average. Racing or reckless driving points can increase up to 55% of your insurance premium policy, so these offenses generate an insurance cost of $1,863 on average in Alaska.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Alaska, Nationwide can increase the insurance policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Alaska?
In Alaska, driving penalty points are deleted after two years. Completing a defensive driving course will remove two points from the driver’s record. This reduction may be used once every 12 months.
How much do 2 points affect insurance in Alaska?
On average, two penalty points in Alaska will affect a 4% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 69%.
How much do 3 points affect insurance in Alaska?
In Alaska, on average, three penalty points will affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 67%.
How much do 4 points affect insurance in Alaska?
In Alaska, 4 penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Alaska?
In Alaska, five penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Alaska?
In Alaska, six penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Alaska?
In Alaska, seven penalty points will affect an average 27% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Alaska?
In Alaska, eight penalty points will affect an average 46% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any Alaska license holder
- Accumulating 12 points in 12 months or 18 points in 24 months requires the mandatory suspension or revocation of the driving privilege
- A provisional license holder who accumulates six or more points in 12 months or nine or more points in 24 months must complete a driver improvement course approved by the Division.
Offense and driving points record in Alaska
| Operating a motor vehicle while the privilege to do so is suspended or revoked or in violation of a limited license | 10 |
| Driving while intoxicated / under the influence | 10 |
| Reckless driving | 10 |
| Refusal to provide a breath sample | 10 |
| Fleeing or attempting to elude a Police Officer | 10 |
| Speed contest……..Racing | 10 |
| Negligent Homicide with a Motor Vehicle | 10 |
| Manslaughter with a Motor Vehicle | 10 |
| Assault with a Motor Vehicle | 10 |
| Leaving the scene of a crash | 9 |
| Negligent driving | 6 |
| Failure to yield to authorized emergency vehicle | 6 |
| Failure to stop for the school bus while the bus is loading or unloading | 6 |
| Failure to obey official traffic control devices in school zone, playgrounds, crosswalks, or park | 6 |
| Driving without insurance | 6 |
| Careless driving types of behavior | 4 |
| Following too close | 4 |
| Failure to stop or yield | 4 |
| Minor operating after consuming | 6 |
| Illegal Passing in a Traffic Safety Corridor | 4 |
| All other moving violations | 2 |
| Violation of oversized or overweight permits about restriction on hours of operation | 3 |
| SPEEDING: | |
| In the school zone or playground crosswalk | 6 |
| 3 to 9 mph over the limit | 2 |
| 10 to 19 mph over the limit | 4 |
| 20 mph or more over the limit | 6 |
| Violation of oversized or overweight permits about the restriction on speed |
|
| 3 to 9 mph over the limit | 2 |
| 10 to 19 mph over the limit | 4 |
| 20 mph or more over the limit | 6 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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