Car Insurance in Alaska
- GEICO offers the cheapest liability at $36/mo.
- Progressive has the cheapest full coverage at $145/mo.
Enter your ZIP code and start your search for Alaska car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Alaska at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- SEO Copywriting Certification — SEO Content Institute
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Car insurance quotes in Alaska
The average car insurance rate in Alaska is $1,037 for a six-month policy — 11% cheaper than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Alaska are shaped by a variety of factors, including your age and driving history.
According to our data, 35% of Alaskans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in AK
- GEICO offered the cheapest liability coverage in Alaska at $36/mo.
Cheapest full coverage in AK
- Progressive offered the cheapest full coverage in Alaska at $145/mo.
Best customer service in AK
- Umialik Insurance scored an A+ in A.M. Best's 2026 analysis of financial strength.
*While USAA offers the cheapest rates in Alaska, it’s excluded as our top choice due to it’s strict eligibility guidelines. The Zebra focuses on providers accessible to the most consumers. If you’re eligible for USAA, it’s an excellent choice.
Cheap liability insurance in Alaska
The average cost for liability insurance in Alaska is $274 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state.
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 full coverage insurance policy with a $500 deductible costs $1,037, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $212 | $35 |
| GEICO | $217 | $36 |
| State Farm | $308 | $51 |
| Progressive | $319 | $53 |
| Allstate | $369 | $61 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 49% of Alaska drivers carry only the state-required liability coverage.[2] In Alaska, the law mandates minimum liability limits of 50/100/25. Learn more about car insurance requirements in the state of Alaska with our helpful guide.
Alaska's harsh winters create unique driving challenges, and state law allows auto insurers to offer premium discounts to drivers who equip their vehicles with approved studded winter tires or other qualifying traction devices.[3] Because these tires can improve traction on snow- and ice-covered roads, insurers may factor their use into pricing when determining premiums. While discounts aren't required and vary by insurer, the law gives companies the flexibility to reward drivers who take extra steps to improve winter driving safety.
Renata Balasco — licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| Umialik Insurance | $345 | $982 |
| USAA | $212 | $863 |
| State Farm | $308 | $914 |
| Progressive | $319 | $871 |
| GEICO | $217 | $1,007 |
| Allstate | $369 | $1,772 |
Source: The Zebra
Cheap full coverage insurance in Alaska
In 2026, the average cost of full coverage insurance in Alaska is $1,037 for a six-month policy. Full coverage is a popular choice here, with 51% of The Zebra’s Alaska customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Progressive — they’re known for offering some of the most competitive rates in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $863 | $144 |
| Progressive | $871 | $145 |
| State Farm | $914 | $152 |
| GEICO | $1,007 | $168 |
| Allstate | $1,772 | $295 |
Source: The Zebra
Local insights
Drivers near you in Alaska weigh in
"Never had a problem with State Farm, many claims and no rate increases so far."
-Reddit user on r/Alaska
"We use USAA and it seems to be pretty good for us. It's not super cheap, but I care more about coverage and such. For us, it's been good."
-Reddit user on r/Alaska
Compare car insurance rates from the best companies in Alaska.
What are the best car insurance companies in Alaska?
We’ve named Umialik Insurance as Alaska's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Options can be limited for car insurance providers in Alaska. Below are other well rated companies in the state along with their respective rating on a national scale.
| Company | Score |
|---|---|
| USAA | 4.1: solid |
| Allstate | 2.9: fair |
| GEICO | 3.8: good |
| State Farm | 3.6: good |
| Progressive | 4: good |
Car insurance in popular Alaska cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Sitka, Alaska and the most expensive in Anchorage, Alaska.
Have a look at the table below to see average car insurance costs in some of Alaska biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Insider knowledge, trusted guidance
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Alaska auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Alaska. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Alaska insurers after an at-fault accident.
Updating data...
| Company | No violations | With at-fault accident |
|---|---|---|
| Umialik Insurance | $931 | $931 |
| Allstate | $1,773 | $2,241 |
| USAA | $741 | $1,073 |
| State Farm | $1,079 | $1,358 |
| Progressive | $968 | $1,537 |
| GEICO | $1,011 | $1,450 |
Source: The Zebra
Source: The Zebra
The Zebra's guide to Alaska car insurance laws for high-risk drivers
For high-risk drivers in Alaska with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Alaska's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Alaska DUI laws
In Alaska, a DUI offense can increase your annual car insurance premium substantially. 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 mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Alaska.
Source: The Zebra
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 laws
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.
Find an affordable policy in Alaska in minutes!
How have car insurance costs in Alaska changed?
Alaska's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Alaska |
|---|---|
| 2026 | $1,977 |
| 2025 | $2,102 |
| 2024 | $1,971 |
| 2023 | $1,519 |
| 2022 | $1,851 |
| 2021 | $1,272 |
| 2020 | $1,397 |
| 2019 | $1,304 |
| 2018 | $1,210 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Alaska car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Alaska auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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Insurance Discounts for Studded Winter Tires. Permitted Motor Vehicle Insurance Discounts
Insurance Discounts for Studded Winter Tires. Permitted Motor Vehicle Insurance Discounts
RECENT QUESTIONS ABOUT CAR INSURANCE IN ALASKA
Why do I have to pay a deductible if I was hit by an uninsured driver?
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.
