Car Insurance Comparison: Texas vs. Alaska

Moving from Texas to Alaska? You may need to update your car insurance.

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By Ross Martin
Updated May 22, 2022
Edited By Kristine Lee

Comparing auto insurance in Texas and Alaska

If you're relocating from Texas to Alaska, chances are you're fixated on the major expenses and concerns: contracting a reliable long-haul moving service, securing an abode in your new state, and setting your move-in schedule.

With so many moving parts, it's easy to overlook some details. Auto insurance is often just an afterthought, but it's a big one. To stay street legal and find a good deal, you should plan to update your policy — or find a new policy altogether — when you move across state lines.

Check out our guide to car insurance in Texas versus Alaska and take the strain out of your move. We'll cover the following:

 

  1. Insurance cost comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates in major cities
  5. Additional resources

 

Texas vs. Alaska car insurance — average prices

Expect to pay less for auto insurance once you move. The average annual auto insurance rate in Alaska is $669 cheaper than the typical cost of car insurance in Texas. The exact cost may vary, depending on your coverage level, driving and insurance history, and your auto insurance company.

 

AUTO INSURANCE PREMIUMS IN TEXAS VS. ALASKA
Location Average Annual Premium
Texas $2,125
Alaska $1,456

 

Car insurance premiums by coverage level

The cost of an auto policy depends on how you use your vehicle and what level of coverage you desire.

If you decide to go with your state's minimum liability coverage, you’ll most likely carry bodily injury, medical payment, and property damage liability coverages, plus uninsured and underinsured motorist coverage and personal injury protection in some states.

 

AUTO INSURANCE PREMIUMS — BASIC LIABILITY COVERAGE IN TEXAS vs. ALASKA
State Period Rate
Texas Annual $782
Alaska Annual $436
Texas 6-Month $391
Alaska 6-Month $218
Texas Monthly $65
Alaska Monthly $36

 

Upgrading to full-coverage car insurance will certainly cost more, but you'll get the added protection of collision and comprehensive coverages, plus perks like rental reimbursement and roadside assistance protection. The main benefit of full coverage auto insurance is that it insures your vehicle and you more comprehensively than does minimum liability car insurance. If you want to do everything possible to protect your investment, full coverage could be the way to go.

 

CAR INSURANCE RATES FOR FULL COVERAGE IN TEXAS vs. ALASKA
Location Duration Cost
Texas Annual $2,120
Alaska Annual $1,171
Texas 6-Month $1,060
Alaska 6-Month $586
Texas Monthly $177
Alaska Monthly $98

 

Affordable auto insurance companies in Texas and Alaska

A major determinant of your auto insurance costs is the auto insurance company you choose. Insurers assign rates in a variety of ways, leading to major price variations. Geography also plays a role: some insurers have limited geographic range, while major insurance companies shift rates by state.

When moving, you should look to find the best cheap insurance company offering policies in your new state. Get started below with our list of the five cheapest auto insurance companies in Texas and Alaska.

 

AFFORDABLE AUTO INSURANCE COMPANIES IN TEXAS
Car Insurance Company Average Annual Rate
Travelers $1,031
USAA $1,106
Texas Farm Bureau $1,223
Germania Mutual $1,269
Esurance $1,393

 

See other cheap auto insurance companies in Texas.

 

CHEAP CAR INSURANCE COMPANIES IN ALASKA
Car Insurance Company Average Annual Rate
Umialik $883
USAA $948
State Farm $985
Progressive $1,235
GEICO $1,924

 

View more cheap auto insurance companies in Alaska.

 

Car insurance rates by city in Texas and Alaska

While car insurance is legislated on a state-by-state level, insurers price rates by ZIP code to adjust for local factors such as density and the likelihood of a crash. The specific location to which you move plays a major role in deciding how much you pay for auto insurance.

See below auto insurance rates in major cities in Alaska and Texas.

 

CAR INSURANCE COSTS BY CITY IN TEXAS
City Average Annual Rate
Houston $1,872
San Antonio $1,705
Dallas $1,874
Austin $1,643
Fort Worth $1,637

 

View a more comprehensive list of Texas cities.

 

CAR INSURANCE RATES BY CITY IN ALASKA
City Average Annual Rate
Anchorage $1,282
Fairbanks $1,259
Juneau $989
College $1,257
Sitka $977

 

View auto insurance rates in other Alaska cities.

 

More resources: moving from Texas to Alaska

When you move from Texas to Alaska, you’ll encounter new driving laws, different SR-22 or FR-44 requirements, and more. Make sure your interstate move runs smoothly with The Zebra's data on your new home:

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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 Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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