What's the Average Cost of Auto Insurance in Alaska?

The Zebra
Feb. 8, 2019

Car insurance policies are affordable in Alaska. The average auto insurance price in Alaska is $1,152 annually — 19.3% less than the national average.

Your car insurance rates are affected by factors other than the state in which you live. Car insurance premiums incorporate myriad considerations, including a driver's age, gender, marital status, credit, and driving history.

We reviewed average Alaska car insurance rates by each of the main rating factors. Continue reading to learn how much car insurance costs in your location — or enter your zip code to receive personalized quotes from top insurance companies.


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Common Alaska car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Premiums in Alaska by Age Group

It’s a fact of life: as you age, your auto insurance premiums change. Generally, car insurance is more costly for young drivers and teens, as car insurance companies see newer motorists as less responsible.

In Alaska, car coverage costs $5,423 annually for a 16-year-old driver, but only $964 per annum for a client in their 50s.


ALASKA AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Premium
16$5,423.28
17$4,814.61
18$4,103.64
19$2,984.77
20s$1,637.06
30s$1,124.87
40s$1,073.28
50s$963.59
60s$1,018.69
70s$1,251.64

If you're facing the frightful prospect of finding insurance for a teen driver, consider that Alaska is the 15th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Outlays in Alaska by Gender

While gender does not have as large an effect on car insurance rates as location or age, it is used as a rating factor by underwriters.


ALASKA AUTO INSURANCE PREMIUMS BY GENDER
GenderAverage Yearly Cost
Male$1,144.47
Female$1,125.84

If you're worried you aren't getting the best possible value for your money with your active car insurer, the best option is to compare offerings from a variety of insurance companies.




Average Car Insurance Premiums in Alaska by Marital Status

A benefit of getting hitched — in addition to the honeymoon — is the price cut you typically receive on insurance. In Alaska, married motorists save $111 each year on car insurance. This is a better deal than the US post-wedding price cut of $76.


ALASKA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,144.47
Married$1,033.08
Divorced$1,146.37
Widowed$1,121.22

Auto insurance for divorced drivers in Alaska is the 37th most expensive in the nation. If you think you're overpaying for your auto insurance policy, weigh your options. It never hurts to see what's out there!




Average Car Insurance Costs in Alaska by Credit Score

Car insurance companies utilize credit history as a way of determining the reliability of a prospective customer. Historical data demonstrate drivers with solid credit are more dependable auto insurance customers: they're less likely to file claims insurance companies have to reimburse.

In Alaska, a driver boasting excellent credit saves $952.84 each year on car insurance, versus a driver with a less-favorable credit score. Read more about how credit history affects auto insurance expenditures:


ALASKA CAR INSURANCE PRICES BY CREDIT
Credit QualityAverage Yearly Premium
Very Poor (300-579)$1,986.50
Fair (580-669)$1,674.68
Good (670-739)$1,412.58
Very Good (740-799)$1,183.18
Exceptional (800-850)$1,033.66

Finding cheap car insurance if you have bad credit can be tough. But The Zebra is here to assist. Read our guide to getting auto insurance with poor credit and start saving!




Median Car Insurance Costs for High-Risk Drivers in Alaska

If you are defined as at fault for a crash or convicted of an on-road infraction, your car insurance rates are bound to rise. The more violations you amass, the pricier your car insurance policy becomes.

In Alaska, your first minor at-fault incident will cost you $605.82 per year in car insurance payments. A DUI — thought of as one of the most grievous driving infractions — could raise your yearly insurance rates in Alaska by as much as $538.66.


ALASKA CAR INSURANCE PRICES AFTER VIOLATIONS
AgeAverage Annual Rate
DUI or DWI$1,690.60
Reckless Driving$1,751.63
At-Fault Accident (<$1,000)$1,757.77
At-Fault Accident ($1,000-$2,000)$1,976.76
At-Fault Accident (>$2,000)$1,757.77
Open Container$1,920.73
Speeding (21-25 MPH > limit)$1,634.79
Speeding (16-20 MPH > limit)$1,635.01

If you're facing above-average auto insurance costs, consider policy shopping to get reasonably priced coverage that works.




Average Car Insurance Costs by Coverage Amount in Alaska

The amount you pay every month for auto insurance depends on how much coverage you purchase. Liability-only coverage normally costs less, while lower-deductible comprehensive coverage costs more. In Alaska, the premium gap between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $730.


ALASKA CAR INSURANCE PRICES BY COVERAGE LEVEL
Coverage LevelAverage Annual Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$530
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,113
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,260
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$441
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,024
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,171
State Minimum — Liability Only$436
State Minimum — $1,000 Comprehensive/Collision$1,018
State Minimum — $500 Comprehensive/Collision$1,166

If you're facing above-average car insurance payments, consider shopping around to discover cheap insurance coverage that fits your budget.


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