Cheap Alaska Car Insurance

Compare the best rates from 2 car insurance companies in Alaska.

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Here's what you need to know when driving in Alaska

Across the Last Frontier State, there are 31,108 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

It's expensive to get car insurance in Alaska!

Dang! Alaska is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!

At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Alaska might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What's the cheapest car insurance in Alaska?
Rank Company Name Avg. Annual Premium
1 Umialik $883
2 USAA $948
3 State Farm $985
4 Progressive $1,235
5 GEICO $1,924
6 Allstate $2,350
7 Safeco $2,476

Cheap Insurance for Good Drivers in Alaska

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Alaska drivers without a recent at-fault accident save 34% on their car insurance, on average — a bit more than the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $228 16.60%
No Accidents $613 34.89%
Good Credit $842 42.39%

Cheap Insurance for Young Drivers in Alaska

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Alaska, the typical teen driver pays $4,180 per year, which is less than the national average for teens but almost four times more than the Alaska average for all drivers.

Age Annual Rate with Parents Annual Rate Alone
16 $4,373 $5,423
17 $4,152 $4,815
18 $3,999 $4,104
19 $3,595 $2,985

Cheap Car Insurance for Bad Drivers in Alaska

Drivers with clean driving records — meaning no at-fault accidents, speeding tickets, DUIs, or other citations — typically pay less for car insurance. In Alaska, your car insurance premiums will increase by 32% after a DUI, 34% after an at-fault accident, and 16% after a speeding ticket. These post-incident rate hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,758 34.89%
DUI $1,691 32.30%
Speeding Violation $1,372 16.60%
Bad Credit $1,986 42.39%

Car Insurance Laws

State minimum insurance requirements in Alaska

In Alaska, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $50,000 per person
  • Bodily Injury $100,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Alaska (varies by carrier):
  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Alaska and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Alaska, the minimum is listed as 50/100/25 and explained below:

$50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Alaska but higher coverage amounts are available with most companies.

Cheap Alaska Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Alaska.

Car Insurance FAQs

Are digital insurance cards accepted in Alaska?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Alaska you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Alaska?

Uninsured Drivers in Alaska
Alaska

13%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Alaska cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Sitka, Alaska, and the most expensive in Anchorage, Alaska.

Rank City Avg. Annual Premium
1 Anchorage $1,282
2 Meadow Lakes $1,278
3 Palmer $1,278
4 Fairbanks $1,259
5 College $1,257
6 Wasilla $1,253
7 Homer $1,214
8 Kenai $1,214
9 Nikiski $1,214
10 Sterling $1,214
11 Kodiak $1,179
12 Ketchikan $1,045
13 Juneau $989
14 Sitka $977

Recent Alaska Car Insurance Questions and Answers

Why do I have to pay a deductible if I was hit by an uninsured driver?

Apr 22, 2017

My car was hit while it was parked and the other driver took off. The police were able to track ...

Can I get a 1 day insurance policy?

Dec 27, 2016

I’m in Kodiak, Alaska and I only need coverage for 1 single day....

Driving Laws

Alaska Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities

15

Per Year in Alaska
Annual DUI Arrests
Alaska
5,538
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Additional Resources:

Alaska Car Insurance

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Alaska Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Alaska area, while also getting an insider view of the Last Frontier.

Click here to learn more.

Prompt

So, Alaska students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.