Car Insurance in Alaska
- Umialik offers the cheapest liability and full coverage in AK
- Compare the cheapest car insurance quotes in AK from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car insurance quotes in Alaska
In Alaska, full coverage car insurance typically costs around $1,058 for a six-month policy, which is 3% cheaper than the national average.[1] Umialik stands out with the most competitive rates for both full coverage and liability-only options.
While 29% of Alaskans feel they are overpaying for car insurance, many still prioritize exceptional customer service and flexible coverage plans.[2] For those seeking these qualities, GEICO and State Farm are solid choices.
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.
- Umialik offers the cheapest liability insurance coverage in Alaska at $37/mo. USAA also offers competitive premiums starting at $31/mo for those who qualify.Â
- See the other cheapest liability coverage insurance companies in AK ↓
- Umialik offers the cheapest full insurance coverage in Alaska at $136/mo. For drivers in the military, USAA offers full coverage policies for $123/mo
- See the other cheapest full coverage insurance companies and best discounts in AK ↓
- While J.D. Power did not offer state-specific results for Alaska, State Farm dominated their rankings nationwide.[3]
- Read about the rest of the top and best companies in AK ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as coverages and overall rates in Alaska to name GEICO as the best overall company for AK drivers.
- Read about the rest of the top and best companies in AK ↓
Find your best value insurance match with The Zebra.
Cheap liability insurance in Alaska
In nearly every U.S. state, including Alaska, auto insurance is a legal requirement. For drivers opting for the state's minimum coverage, the average cost is about $264 for a six-month period. Among providers, Umialik offers the most affordable liability-only policies in Alaska.
Choosing minimum coverage will guarantee cheap car insurance rates, but it will also put you and your vehicle at further risk. 43% of The Zebra's Alaskan customers searched for liability-only quotes. See average rates for minimum coverage from the top companies below.Â
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $739 | $123 |
| Umialik Insurance | $817 | $136 |
| GEICO | $1,012 | $169 |
| State Farm | $1,065 | $177 |
| Progressive | $1,079 | $180 |
| Allstate | $1,733 | $289 |
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.
Alaska's minimum requirements are amongst the most robust in the nation. In Alaska, drivers must carry 50/100/25 limits. This translates to $50,000 in liability coverage per person. $100,000 in bodily injury liability per accident, and $25,000 in property damage coverage. These coverages will do a decent job of protecting you in the event of an accident, but for maximum protection, you may consider adding comprehensive and collision coverage to your policy.
Renata Balasco — licensed insurance writer at The Zebra
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $184 | $739 |
| GEICO | $223 | $1,012 |
| Umialik Insurance | $272 | $817 |
| Progressive | $314 | $1,079 |
| Allstate | $330 | $1,733 |
| State Farm | $344 | $1,065 |
Source: The Zebra
Cheap full coverage in Alaska
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: A full coverage policy in Alaska costs around $1,058 for six months. This figure is approximately 3% cheaper than the national average. Relative affordability of full coverage policies likely led to 57% of our Zebra customers in Alaska choosing full coverage insurance. Our data shows that USAA and Umialik offer the cheapest full coverage policies in Alaska.Â
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $739 | $123 |
| Umialik Insurance | $817 | $136 |
| GEICO | $1,012 | $169 |
| State Farm | $1,065 | $177 |
| Progressive | $1,079 | $180 |
| Allstate | $1,733 | $289 |
Source: The Zebra
- Payment options: You can choose from advance purchase, electronic bill pay, or paying the full amount upfront
- Driver discounts: Save with bundling (multiple policies), multi-car plans, good driver perks, good student rewards, and special savings for homeowners and military members.
- Vehicle discounts: Enjoy discounts for new vehicles, safety features (like telematics), and anti-theft systems.
Find the best coverage and price in Alaska with The Zebra.
What are the best car insurance companies in Alaska?
We named GEICO as the best car insurance company based on several factors: its positive third-party ratings from sources like AM Best and J.D. Power signal its reliability, and its long list of coverage options and affordability offer the best value to Alaskans.[4]
GEICO takes first place for best overall option for Alaska drivers. While it isn't the cheapest choice in Alaska, the company's blend of coverage and positive customer service reputation make it stand out as a well-rounded carrier.
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Robust coverage options
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Excellent customer service scores across the country
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Consistently high performance in the Zebra Customer Satisfaction Survey
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Pricier than some other companies
Best car insurance in Alaska — honorable mentions
While GEICO topped our list, these companies also scored well. For this list, we used ratings from the J.D. Power auto insurance survey and The Zebra's Customer Satisfaction Survey, which collected responses from 2,722 drivers to help us determine which companies were making customers happiest. [5] The table below highlights quotes from other top choices in Alaska.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $739 | $123 |
| Umialik Insurance | $817 | $136 |
| State Farm | $1,065 | $177 |
Source: The Zebra
How did we pick what company has the "Best Value" in Alaska?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Alaska
- The author's 4+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Car insurance price trends in Alaska
Car insurance premiums in Alaska have experienced significant fluctuations from 2015 to 2024. The most notable change occurred in 2024, with premiums rising by $452 to $1,971, likely driven by inflation, rising repair costs, and environmental factors. In contrast, 2023 saw a major drop of $332, reflecting improved market conditions or fewer claims. The largest increase occurred in 2022, with premiums jumping $579, possibly due to the post-pandemic return to normal driving behaviors. Over the decade, there has been a pattern of volatility, with sharp decreases like the $586 drop in 2018 followed by steady increases. These changes highlight the influence of economic pressures, claim frequencies, and competition within the insurance market.
| Year | Avg. Annual Premium — Alaska | Yearly Change — Alaska |
|---|---|---|
| 2024 | $1,971 | $452 |
| 2023 | $1,519 | -$332 |
| 2022 | $1,851 | $579 |
| 2021 | $1,272 | -$125 |
| 2020 | $1,397 | $93 |
| 2019 | $1,304 | $94 |
| 2018 | $1,210 | -$586 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Cheap auto insurance for teens and young drivers in Alaska
Young drivers, particularly those between 16 and 25, face steep car insurance rates, with the 16 to 19 age group paying the highest premiums. Due to the increased risk associated with less driving experience, teen drivers pay more than three times the national average for car insurance. In Alaska, rates for teen drivers are notably high, averaging $6,317 annually—similar to the national average and almost 200% higher than the typical Alaskan driver's rate.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Umialik Insurance | $1,773 | $296 |
| USAA | $2,274 | $379 |
| GEICO | $2,519 | $420 |
| Progressive | $4,075 | $679 |
| State Farm | $4,155 | $692 |
| Allstate | $4,407 | $735 |
Source: The Zebra
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
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| Company | Age | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|---|
| Allstate | 19 | $4,208 | $701 |
| Allstate | 17 | $4,389 | $732 |
| Allstate | 16 | $4,745 | $791 |
| Allstate | 18 | $4,286 | $714 |
| GEICO | 17 | $2,628 | $438 |
| GEICO | 19 | $2,029 | $338 |
| GEICO | 18 | $2,396 | $399 |
| GEICO | 16 | $3,024 | $504 |
| Progressive | 17 | $4,974 | $829 |
| Progressive | 16 | $4,678 | $780 |
| Progressive | 18 | $4,167 | $695 |
| Progressive | 19 | $2,481 | $414 |
| State Farm | 17 | $4,269 | $712 |
| State Farm | 18 | $3,763 | $627 |
| State Farm | 16 | $5,599 | $933 |
| State Farm | 19 | $2,987 | $498 |
| USAA | 17 | $2,217 | $369 |
| USAA | 16 | $3,377 | $563 |
| USAA | 19 | $1,628 | $271 |
| USAA | 18 | $1,874 | $312 |
| Umialik Insurance | 17 | $1,923 | $321 |
| Umialik Insurance | 19 | $1,544 | $257 |
| Umialik Insurance | 16 | $1,923 | $321 |
| Umialik Insurance | 18 | $1,702 | $284 |
Source: The Zebra
Alaska auto insurance quotes after an accident or ticket
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 $759 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Umialik Insurance | $817 | $136 |
| USAA | $1,070 | $178 |
| State Farm | $1,345 | $224 |
| GEICO | $1,435 | $239 |
| Progressive | $1,694 | $282 |
| Allstate | $2,019 | $337 |
Source: The Zebra
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 48% after a DUI and 18% after a speeding ticket.
See below average auto insurance rates in Alaska after a few common citations.
Source: The Zebra
The Zebra's guide to Alaska car insurance laws for high-risk drivers
Violations like reckless driving or a DUI will require you to make changes to your insurance policy.
Learn more about car insurance requirements in the state of Alaska with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.
Alaska DUI laws
In Alaska, a DUI offense can increase your annual car insurance premium by almost 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 48% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Alaska is Progressive, while the priciest firm is Allstate, with prices 37% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Umialik Insurance | $817 | $136 |
| Progressive | $1,331 | $222 |
| USAA | $1,394 | $232 |
| State Farm | $1,584 | $264 |
| GEICO | $1,721 | $287 |
| Allstate | $2,148 | $358 |
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 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.
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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.
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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.
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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!
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. 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 how much car insurance costs in some of Alaska's biggest cities.
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.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 U.S. Insurance Shopping Study. J.D. Power
GEICO Casualty Company. AM Best
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN ALASKA
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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.