Car Insurance in Alaska
- Compare the cheapest car insurance quotes in AK with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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. The average car insurance rate in Alaska is $1,272 per year — 17% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Alaska car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Alaska based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
The best car insurance companies in Alaska
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Alaska.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Alaska.
As a highly-rated regional carrier, GEICO Insurance placed second in The Zebra's Customer Satisfaction Survey with 4.4 stars out of 5.
State Farm placed third with 4.3 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Alaska
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from USAA at $1,127 annually or $94 per month for full coverage insurance.
If you have a DUI on your record, check out Umialik Insurance for the cheapest average rates.
For the minimum required coverage in Alaska, Umialik Insurance is the cheapest with an average of $2,931 per year.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Alaska auto insurance laws
Car insurance is mandatory in almost every state, including Alaska. If you choose the legal minimum coverage level in Alaska, expect to pay an average of $411 annually. This expenditure is less expensive than the nationwide average by around 73%.
State minimum coverage
In Alaska, drivers are required to maintain liability insurance coverage at minimum levels 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) includes:
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Alaska, a comprehensive insurance policy with a $1,000 deductible costs $1,142, 178% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay around 69% more than you would for basic coverage.
Compare car insurance rates from the best companies in Alaska.
Alaska car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Alaska.
Cheap auto insurance in Alaska for minimum coverage
Choosing minimum coverage will certainly make your car insurance rates cheaper — an average of $411/year or $35/month — but it will also put you and your vehicle at further risk. See average rates for minimum coverage from the top companies below.
Cheap auto insurance in Alaska with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Alaska drivers with poor credit pay around $1,101 more per year than those with exceptional credit. Have a look at some common rates for those with poor credit below.
Cheap auto insurance in Alaska with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $755 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Alaska
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Alaska, teen drivers pay especially high rates: $4,430 per year — more than $2,901 more than the nationwide average and 248% more than a typical Alaska driver.
Alaska auto insurance rate by violation
In Alaska, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 54% after a DUI and 9% after a speeding ticket.
See below average auto insurance rates in Alaska after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,851||0%||$0|
|One comp claim||$1,868||1%||$17|
|Two Med/PIP claims||$1,868||1%||$17|
|Two comp claims||$1,890||2%||$40|
|Failure to wear a seat belt||$2,073||12%||$222|
|Child safety restraint||$2,073||12%||$222|
|Driving without lights||$2,073||12%||$222|
|Failure to show documents||$2,117||14%||$267|
|Driving too slowly||$2,154||16%||$303|
|In 65 MPH zone||$2,154||16%||$303|
|Speeding in school zone||$2,154||16%||$303|
|Texting while driving||$2,159||17%||$308|
|Cell phone violation||$2,159||17%||$308|
|Speeding 11 - 15 MPH over limit||$2,170||17%||$320|
|Speeding 6 - 10 MPH over limit||$2,170||17%||$320|
|Speeding 16 - 20 MPH over limit||$2,170||17%||$320|
|Driving with expired registration||$2,179||18%||$328|
|Failure to stop at a red light||$2,181||18%||$330|
|Operating a vehicle without permission||$2,181||18%||$330|
|Failure to yield||$2,181||18%||$330|
|Following too closely||$2,181||18%||$330|
|Wrong way/wrong lane||$2,181||18%||$330|
|Speeding 21 - 25 MPH over limit||$2,228||20%||$377|
|Passing school bus||$2,228||20%||$377|
|At-fault accident - less than $1000||$2,430||31%||$579|
|Driving with a suspended license||$2,548||38%||$697|
|At-fault accident - greater than $2000||$2,561||38%||$710|
|At-fault accident - $1000-$2000||$2,561||38%||$710|
|Refusal to submit to a chemical test||$2,606||41%||$755|
|Leaving scene of an accident/hit and run||$2,911||57%||$1,060|
Alaska DUI laws
In Alaska, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Alaska
If you're convicted of a DUI or DWI violation in Alaska, it’s key to research each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Alaska, Umialik Insurance, has annual rates 51% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Alaska is State Farm, while the priciest firm is Allstate, with prices 54% above average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Alaska SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Alaska to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Alaska might require some research, but it could pay off in the end.
How to acquire an SR-22 in Alaska
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
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Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Of the top five biggest cities in Alaska, the cheapest car insurance is found in Juneau and the most expensive in Anchorage.
Have a look at the table below to see average car insurance costs in some of Alaska's biggest cities.
|City||Avg. Annual Premium|
Car insurance price trends in Alaska
In Alaska, average annual auto insurance costs decreased by $125 in the past year. A typical Alaska driver pays an average of $1,272 per year.
The recent pricing trend in Alaska leans toward cheaper car insurance costs and remains lower than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Alaska||Yearly Change — Alaska||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Alaska car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Alaska auto insurance.
How much is car insurance in Alaska?
The average premium in Alaska is $636 for a six-month policy, or $106 per month. Alaska is almost 17% cheaper than the rest of the US.
What is the best car insurance for the money?
Our data show USAA and State Farm are the best providers in Alaska. USAA costs $1,127 per year while State Farm will set you back $1,214.
What is the average cost of monthly car insurance?
On average, Alaskan drivers pay nearly $106 per month for auto insurance.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.