Estimates, not quotes

BMW 7 Series Insurance Cost in Alaska

Insuring a BMW 7 Series in Alaska costs about $3,310 a year ($276/month) for full coverage by our estimate — −11% versus the same car nationally — the 23rd cheapest of 51 states for this model.

BMW 7 Series (photo from Wikimedia Commons)
Photo: M 93, CC BY-SA 3.0 de
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

BMW 7 Series insurance in Alaska at a glance

Full coverage
$3,310
$2,715–$3,905
50/100/25 minimum
$865
$72/mo
Same car nationally
$3,710
full coverage
Avg. car in AK
$1,390
+138% for the 7 Series

The BMW 7 Series is 2.4 times the average vehicle to insure in Alaska, reflecting HLDI collision losses of 405 and comprehensive losses of 363 (100 = average). Alaska's own base rates are 13% lower than the national average, which carries through to every model.

Alaska factors that affect 7 Series premiums

  • Uninsured drivers: 12.5% of Alaska drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your 7 Series.
  • Theft: 279 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Alaska's expected annual losses as very low for hail, very low for tornado, not rated for hurricane, very low for inland (river) flooding, very low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.27 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Alaska →

BMW 7 Series insurance cost in Alaska cities

CityFull coverageMinimumvs. state
Anchorage$3,730$975+13%
Fairbanks$3,960$1,035+20%
Juneau$3,115$815−6%
Wasilla$4,480$1,170+35%
Sitka$2,825$740−15%
Ketchikan$3,960$1,035+20%
Kenai$3,720$970+12%
Palmer$4,480$1,170+35%

BMW 7 Series insurance in Alaska by driver

Estimated annual BMW 7 Series premium in Alaska
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,380 $2,880 $9,105 $759
Young adult (22) $1,385 $1,675 $5,295 $441
Adult in their 30s $865 $1,045 $3,310 $276
Adult in their 50s $795 $965 $3,045 $254
Senior (72) $970 $1,170 $3,705 $309
30s, one at-fault accident $1,255 $1,520 $4,800 $400
30s, DUI on record $1,600 $1,935 $6,125 $510

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $865 $72 $710–$1,020
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,045 $87 $860–$1,235
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $3,310 $276 $2,715–$3,905

Alaska minimum: 50/100/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Alaska

ModelFull coverage in AKvs. 7 Series
Infiniti Q50$2,015−39%
Mercedes-Benz S-Class$2,665−19%
Audi RS 7$2,230−33%
Lexus IS$1,665−50%

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BMW 7 Series insurance cost in every state · All BMW models

Frequently asked questions

How much is BMW 7 Series insurance in Alaska?

About $3,310 a year ($276 a month) for full coverage and $865 for Alaska's minimum liability, for a driver in their 30s with a clean record. That is 11% less than the national estimate for the same car.

Is the BMW 7 Series cheaper to insure than the average car in Alaska?

The average vehicle in Alaska is about $1,390 a year for full coverage in our model, so the BMW 7 Series is 2.4 times average.

Where in Alaska is BMW 7 Series insurance cheapest?

Among the largest Alaska cities, Sitka has the lowest estimate (about $2,825) and Palmer the highest (about $4,480).

What insurance do I need for a BMW 7 Series in Alaska?

Alaska requires at least 50/100/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page