The average cost of a full coverage car insurance policy in Alaska is $1,393 per year, but rates vary quite a bit depending on where in the state you live. In Anchorage, average rates are as high as $1,648 per year, while drivers in Ketchikan pay just $1,134 for the same coverage.
The best way to make sure you’re finding affordable coverage is to compare quotes before you buy a policy. Policygenius can help you see options from top car insurance companies so you can be sure you’re choosing the best coverage at the right price for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Alaska
When you buy car insurance, companies consider your age, driving record, where you live, and the kind of car you drive in determining your rate.
Each car insurance company has its own formula for how those factors are weighted, so different companies will offer you different rates, even for identical coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $78/month | 890 |
GEICO | $82/month | 874 |
State Farm | $82/month | 882 |
Umialik | $105/month | -- |
Allstate | $170/month | 889 |
Cheapest car insurance companies by age in Alaska
Your age plays a big part in how much you pay for car insurance. Younger drivers pay considerably more than older drivers because they’re at greater risk of having accidents and filing claims.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Umialik | $3,190 |
18 | USAA | $2,268 |
21 | GEICO | $1,242 |
25 | GEICO | $1,031 |
30 | USAA | $975 |
35 | USAA | $936 |
45 | USAA | $878 |
55 | USAA | $831 |
60 | GEICO | $752 |
65 | GEICO | $745 |
70 | GEICO | $798 |
Choosing the right car insurance company in Alaska
It seems like a complicated process, but buying car insurance is easy if you break it down into a few key factors.
Cost: Compare rates from multiple companies to see which one offers you the most affordable policy.
Coverage: The higher you set your limits, the better protected you’ll be, so see which company can offer you the most coverage at the lowest rates.
Service: Don’t just compare costs, take a few minutes to check customer service and claims satisfaction ratings before picking a company.
Policygenius takes the stress out of finding the right car insurance company by showing you quotes from top providers and making it easy to find your best rates.
Car insurance rates for drivers with driving violations in Alaska
A clean driving record can lower the cost of your car insurance policy. If your driving record isn’t so good, then you’ll pay more for coverage. More serious infractions, like a DUI on your record, mean even higher rates.
Violation | USAA | GEICO | State Farm | Umialik | Allstate |
|---|---|---|---|---|---|
At-fault accident | $1,411 | $1,597 | $1,157 | $1,415 | $3,141 |
Suspended license | $1,767 | $2,113 | $1,068 | $1,415 | $3,002 |
Open container | $1,488 | $1,826 | $1,068 | $1,415 | $2,527 |
Expired registration | $1,271 | $1,179 | $1,068 | $1,415 | $2,527 |
Driving without lights | $1,116 | $1,209 | $1,068 | $1,415 | $2,527 |
Running a red light | $1,271 | $1,209 | $1,068 | $1,415 | $2,527 |
Following too closely | $1,271 | $1,209 | $1,068 | $1,415 | $2,527 |
Hit and run | $1,867 | $2,113 | $1,068 | $1,415 | $3,002 |
Not-at-fault accident | $986 | $979 | $1,003 | $1,415 | $2,122 |
Passing a school bus | $1,488 | $1,209 | $1,068 | $1,415 | $2,527 |
Reckless driving | $1,488 | $2,113 | $1,068 | $1,415 | $3,002 |
Cheapest car insurance for drivers with a DUI in Alaska
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,068 |
Umialik | $1,415 |
USAA | $1,819 |
GEICO | $1,826 |
Allstate | $3,002 |
Cheapest car insurance for drivers with a speeding ticket in Alaska
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,068 |
USAA | $1,271 |
Umialik | $1,415 |
GEICO | $2,113 |
Allstate | $2,527 |
Cheapest car insurance for drivers with bad credit in Alaska
If you have bad credit, then you’re going to pay more for your car insurance. That means it’s all the more important for Alaska drivers with poor credit scores to shop around and compare quotes before picking a policy.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,701 |
GEICO | $1,874 |
State Farm | $1,918 |
Umialik | $2,129 |
Allstate | $2,770 |
Car insurance costs in Alaska cities
Where you live in Alaska has a big impact on how much you pay for car insurance. Car insurance companies consider everything from the rate of accidents and claims in your area to the average cost of car repairs. Here’s what drivers pay in the 10 largest cities in Alaska:
Anchorage: $1,648
Juneau: $1,165
Fairbanks: $1,505
Badger: $1,485
Knik-Fairview: $1592
College: $1,473
Wasilla: $1,491
Sitka: $1,159
Ketchikan: $1,134
Palmer: $1,598
Buying car insurance in Alaska
Alaska requires a minimum amount of car insurance. Most drivers need more than the state minimums in order to be fully protected, but all drivers in Alaska must have the following amount of car insurance:
Bodily injury liability coverage per person: $50,000
Bodily injury liability coverage per accident: $100,000
Property damage liability coverage: $25,000
You must have proof of insurance in your vehicle at all times. If a law enforcement officer requests proof of insurance, then you must be able to provide that proof on demand. If you don’t have proof of insurance, then you may face serious consequences.
Alaska is an at-fault state. This means that the insurance of the driver who is at-fault for an accident will pay the related expenses of any parties involved. Be sure you have enough liability coverage to comfortably cover expenses if you are at-fault.
Alaska is also one of only a few states that has what is called a “no-pay, no-play” law. This limits the amounts that an uninsured driver can claim in damages, regardless of who is at fault for the accident.
How to get cheap car insurance in Alaska
Drive safely: The fewer accidents and driving violations on your record, the better your car insurance rates will be
Shop around: Compare the quotes from multiple companies before you buy a car insurance policy
Know your discounts: All car insurance companies offer discounts for things like safe driving, paying your premiums in full, and taking a defensive driving course
Bundle coverage: Get your auto and home or renters insurance from the same company and save
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Alaska?
The cheapest car insurance company in Alaska is USAA at $930 per year, according to our analysis.
How much is car insurance per month in Alaska?
On average, car insurance costs $116 per month in Alaska. This makes the typical cost of auto insurance in Alaska cheaper than the national average.
Does Alaska require car insurance?
Yes, the minimum amount of car insurance coverage required in Alaska is $50,000 per person/$100,000 per accident in bodily injury liability and $25,000 in property damage liability.
Is Alaska a no-fault state?
No, Alaska is an at-fault state. This means that the insurance of the driver who is found to be at-fault for an accident is responsible for covering the expenses of all those involved.
