Cheap Alaska Car Insurance

Find affordable auto insurance that works for you in Alaska. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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 with the cheapest auto insurance in Alaska, then you take the wheel.


 

Affordable insurance companies in Alaska

What's the cheapest car insurance in Alaska?
Rank Company Name Avg. Annual Premium
1 USAA $1,037
2 State Farm $1,097
3 Umialik $1,239
4 Progressive $1,505
5 GEICO $1,797
6 Safeco $2,476
7 Allstate $2,943

Compare quotes from dozens of insurance companies in Alaska by entering your ZIP code below.

Compare Alaska car insurance quotes from top providers.

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Cheap auto insurance for good drivers 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 auto 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 auto 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%

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Top rated car insurance companies in Alaska

Every auto insurance company emphasizes its low rates. But just like with any service, the cheapest car insurance option isn't always the best selection. Considering the financial stakes, it's worthwhile to do the homework to find the insurance policy that insures your vehicle adequately in the event of an incident. Hunt for the best value, instead of settling for the cheapest auto insurance in Alaska.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company Claims Satisfaction (J.D. Power) Customer Satisfaction (J.D. Power) Financial Strength (A.M. Best) Customer Satisfaction (The Zebra)
Allstate Average Average Superior 4.3/5
GEICO Average Average Superior 4.4/5
Progressive Below average Below average Excellent 4.3/5
Safeco Average Average Excellent N/A
State Farm Above Average Above average Superior 4.5/5
Umialik N/A N/A N/A N/A
USAA Excellent Excellent Superior 4.6/5

Alaska auto insurance laws

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:

  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you elect the minimum required coverage in Alaska, expect to pay a mean of $473 annually. This is less than the national average by 28%. If you choose higher-level car insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by car-vs.-car crashes, auto theft, or weather incidents. However, better auto insurance carries a price: in Alaska, a comprehensive policy with a $1,000 deductible costs $1,037, 120% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 149% more than you would for basic liability-only coverage.

Learn more about minimum auto insurance levels in Alaska.

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How tickets change insurance rates in Alaska

If you receive a ticket or citation, your car insurance rates will probably get more expensive. By how much depends on the specific citation, 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.

Below is a look at typical auto insurance rates in Alaska after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,979 65% $781
Refused Breathalyzer/Chemical Test $1,821 52% $622
DUI $1,821 52% $622
Racing $1,730 44% $532
Reckless Driving $1,765 47% $567
Driving with a Suspended License $1,717 43% $518
At-Fault Accident $1,806 51% $607
Driving with an Open Container $1,449 21% $251
Operating a Vehicle Without Permission $1,477 23% $278
Passing a School Bus $1,538 28% $339
Improper Passing $1,477 23% $278
Following Too Closely $1,477 23% $278
Speeding $1,440 20% $242
Failure to Stop at a Red Light $1,477 23% $278
Illegal Turn $1,477 23% $278
Driving Wrong Way/Wrong Lane $1,477 23% $278
Failure to Yield $1,477 23% $278
Speeding in a School Zone $1,440 20% $242
Driving Too Slowly $1,440 20% $242
Distracted Driving $1,465 22% $267
Driving with Expired Registration $1,280 7% $82
Failure to Show Documents $1,280 7% $82
Not-at-Fault Accident $1,252 4% $54
Failure to Use Child Safety Restraint $1,198 0% $0
Failure to Wear a Seat Belt $1,198 0% $0
Driving Without Lights $1,198 0% $0

 

Alaska car insurance FAQs

How much is car insurance in Alaska?

The average premium in Alaska is $588 for a six-month policy, or $98 per month. Alaska is almost 20% 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 $1,037 per year while State Farm will set you back $1,097.

What is the average cost of monthly car insurance?

On average, Alaskan drivers pay nearly $100 per month for auto insurance.

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 Ketchikan, Alaska, and the most expensive in Anchorage, Alaska.

Rank City Avg. Annual Premium
1 Anchorage $1,501
2 Fairbanks $1,321
3 Wasilla $1,309
4 College $1,281
5 Sterling $1,241
6 Kodiak $1,164
7 Juneau $1,057
8 Sitka $1,044
9 Ketchikan $1,020

 

Recent Questions:

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

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process.
Apr 21, 2017 Palmer, AK

Does DoorDash include liability coverage?

DoorDash does cover some liability for its drivers. See more info about what insurance delivery drivers need here.
May 24, 2020 Anchorage, AK

What is the No Pay, No Play law in Alaska? What happens if both parties in an accident are uninsured?

Unless you were under the influence, drove recklessly, acted with intent, or fled the scene in a hit-and-run, I don't necessarily think you could be charged for a felony if you've been cooperative. However, a suit could be filed against you for damages.
Feb 17, 2020 Bethel, AK

Can I get a 1 day insurance policy?

Most insurance policies run for 6 or 12 month terms. You can always purchase a policy and cancel whenever you would like but you may not get any refund of the cancellation happens in the first month of the term.
Dec 26, 2016 Kodiak, AK

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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 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.