Cheap Alaska Car Insurance

Across the Last Frontier State, there are 31,108 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap car insurance in Alaska

Cheap Insurance for Good Drivers in 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%.

Cheap 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.

Cheap Car 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.

Paying too much for auto insurance? Enter your ZIP code below to start shopping for a new policy.

What are the Best 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.

Compare top insurance companies' financial strength and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — assesses an insurer's financial strength and ability to fulfill its policy and contractual obligations.

What is the Best Car Insurance Coverage in Alaska?

The minimum allowed insurance in the state of Alaska is $50,000 Bodily Injury per person, $100,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Examine average costs for liability-only and comprehensive coverage levels in the following table.

Car insurance laws

State minimum insurance requirements in Alaska

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):

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

Learn more about minimum auto insurance levels in Alaska.

Alaska Car Insurance FAQs

Does Alaska require car insurance?

Yes. If you are going to be driving your vehicle on public roads, the car needs to be registered and insured at Alaska's minimum liability requirements. Alaska requires limits of $50,000 per person in bodily injury payments, $100,000 per accident, and $25,000 for the property damage you cause.

Is Alaska a no-fault insurance state?

No. Alaska is an at-fault state, meaning you are required to cover any damages — bodily injury or property damage — you cause in a collision.

How Do Tickets Impact Alaska Car Insurance Rates?

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.