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 |
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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 | Above 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.
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 |
