Best Cheap Auto Insurance in Alaska (2025)
The best car insurance for you in Alaska will offer cheap rates and the coverages you need.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited byElena Stratoberdha
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Alaska is home to breathtaking scenery, and to fully explore the wonders of this state by car, you’ll need to equip yourself with dependable car insurance.
The average cost of car insurance in Alaska is $135 per month, which is cheaper than the national average. That’s because fewer cars are on the road in Alaska, and the state’s lower population density reduces the chances of accidents.
Here’s what you need to know about finding the cheapest car insurance in Alaska.
Quick Facts
Alaska is a tort state, meaning an at-fault driver is responsible for paying damages and losses incurred by the victim.
State Farm, USAA, and Allstate are some of the cheapest car insurance companies in Alaska.
High-risk drivers must carry an SR-22 certificate, which can increase rates.
3 of the cheapest car insurance companies in Alaska
The best car insurance depends on your specific circumstances and insurance needs. Assess your driving record, the coverage you need, and your budget to determine the right car insurance company for you.
Below are three of the cheapest insurance companies in Alaska.
State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
4.2
Best choiceBased on 10,150 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,597)
Joyce
March 23, 2025
Verified Review
Average
As a senior, I feel that I pay too much for insurance.
Julene
March 23, 2025
Verified Review
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
Ramona
March 23, 2025
Verified Review
Good
They pay for claims quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest car insurance company in America by market share, according to the National Association of Insurance Commissioners (NAIC). It has a wide selection of coverages, including rental insurance, rideshare insurance, and travel expenses coverage.
State Farm offers some of the lowest rates in Alaska as well as a variety of discounts, including auto and life insurance bundles.
Pros
Rideshare and other less-common coverages available
Bundling car insurance with other policies allows for discounts
Cons
Gap coverage not available
Many unresolved customer complaints, according to the Better Business Bureau (BBB)
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 1,830 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,054)
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
Karen
March 21, 2025
Verified Review
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the best car insurance choice for active-duty military personnel, veterans, and their families. It offers affordable rates, various discounts, and a safe driving program.
Pros
SafePilot safe driving program allows you to save up to 30%
Affordable rates for drivers with incidents on record
Cons
Available only to active-duty military members, veterans, and their families
Gap insurance not available
Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
4.0
Best choiceBased on 6,238 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,390)
John
March 23, 2025
Verified Review
Expensive
The cost of minimum coverage is poor due to its high price.
Paul
March 23, 2025
Verified Review
Poor Record
It's too expensive.
Victoria
March 23, 2025
Verified Review
Excellent
Good service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
At-fault accidents can be a nightmare for your car insurance rates. Allstate offers an accident forgiveness policy, so you won’t have to worry about a rise in your premiums even if you cause a car accident.
The insurer also provides an expanded version of accident forgiveness, the Platinum package, which offers unlimited accident forgiveness — unlike its competitors that often impose a cap.
Pros
Pay-per-mile coverage available
Wide selection of available discounts
Cons
Low customer satisfaction and potential subpar customer service
More expensive than some competitors
How to get the cheapest car insurance in Alaska
Insurance companies will conduct a risk assessment based on your driver profile to determine your insurance rates. Factors that comprise your risk level include age, location, driving history, claim history, and more.
If you’re in the market for car insurance, these are some of the best ways to get the most affordable prices:
Look for discounts. Whether you have multiple cars, are bundling insurance products, or are part of an affiliated group, there’s a discount for every driver and situation. Stacking deals can help you get the lowest rates on your insurance policy.
Maintain a clean driving record. People with clean driving records pay lower car insurance rates than people with an incident on their record. It’s important to adhere to your state’s road rules and remain vigilant on the road.
Increase your deductible. A higher deductible for collision or comprehensive coverage results in lower monthly premiums. If you’re considering increasing your deductible, be sure you can afford the out-of-pocket expense if you need to file a claim.
Compare quotes. You should get quotes from at least three different insurers. To get the most accurate comparisons, ensure your coverage types and levels are the same across each auto policy.
Find Cheap Car Insurance in Alaska
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Cheapest liability-only car insurance quotes in Alaska: USAA
A liability-only policy covers the other party’s property damages and bodily injuries if you’re at fault in an accident. This insurance offers only the most basic coverage, so it’s usually a company’s most inexpensive policy.
Here are some of the cheapest car insurance companies for liability-only coverage in Alaska.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $41 |
| GEICO | $47 |
| State Farm | $48 |
| Allstate | $56 |
| Progressive | $73 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Alaska: USAA
While a liability-only policy pays for the other party’s losses when you’re at fault in an accident, full-coverage car insurance pays for your losses, regardless of fault.
A full-coverage insurance policy includes collision coverage, which compensates you for vehicle repairs if you collide with another vehicle or object. It also includes comprehensive coverage, which reimburses you for damage or losses related to theft, vandalism, weather damage, and other non-collision events.
If you commute frequently, drive in a high-risk area, or have an expensive vehicle, having full coverage may be worth it. Lenders may also require full coverage if you have a car loan or lease.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $90 |
| State Farm | $104 |
| GEICO | $108 |
| Allstate | $125 |
| Progressive | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance rates fluctuate with age. Teen drivers pay higher premiums, as they’re more likely to be involved in accidents due to their lack of experience on the road.
While the cost of car insurance generally decreases around age 25, you may see your rates climb again around age 70. Despite more experience on the road, age-related conditions such as slower reflexes and decreased vision make seniors more statistically prone to accidents.
Car insurance requirements in Alaska
Alaska is a tort state, meaning all drivers must carry the state’s minimum liability coverage. If you’re not at fault in an accident, you can file a claim with the at-fault party’s insurance company to get reimbursed for medical bills and vehicular repairs.
The table below illustrates Alaska’s minimum coverage for bodily injury and property damage liability insurance.[1]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident |
Car insurance financially safeguards you from the worst. Consider spending a few extra dollars on the following coverage options to stay fully protected:
Uninsured/underinsured motorist coverage
If an at-fault party doesn’t have enough liability coverage, uninsured/underinsured motorist insurance lets you file a claim with your insurer to cover the expenses.
Personal injury protection (PIP) coverage
If you or your passengers sustain injuries in a car accident, you can use PIP coverage to pay for medical expenses, lost wages, child care, and funeral costs.
Rental car coverage
Rental car insurance reimburses you for rental car expenses so you can get around while your vehicle is in the shop for repairs.
Cheapest car insurance in Alaska by driving record
Having a driving incident on your record, such as a speeding ticket, driving under the influence (DUI), at-fault accident, or other moving violation, can increase your car insurance premium because of the risk you pose to insurers. And if you’re convicted of a DUI, you may need to obtain an SR-22 certificate to reinstate a suspended license.
In Anchorage, drivers with an at-fault accident pay $70 more per month for car insurance than drivers with a clean record. The table below shows how Alaska liability insurance rates vary by different driving incidents.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| State Farm | $117 | $155 | $131 |
| GEICO | $118 | $157 | $133 |
| USAA | $129 | $171 | $144 |
| Midvale Home & Auto | $150 | $199 | $168 |
| Progressive | $195 | $259 | $218 |
| Allstate | $210 | $279 | $236 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Alaska
Compare liability or full-coverage insurance from top insurers
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Alaska car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Alaska.
Car insurance in Alaska costs an average of $151 per month. Drivers in the state pay $190 per month for full-coverage insurance and $112 per month for liability-only insurance. Your rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
With an Insurify Quality (IQ) Score of 9.3 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Alaska. Other top Alaska auto insurers include USAA, Allstate, GEICO, and Progressive.
Yes. Drivers in Alaska must carry car insurance. If you want to get on the road legally, you’ll need to have $50,000 per person and $100,000 per accident in bodily injury liability insurance, as well as $25,000 per accident in property damage liability coverage.
Yes. Alaska’s average auto insurance rate is $135 per month, which is cheaper than the national average. Car insurance is much more affordable in Alaska because it’s remote and fewer drivers are on the roads at any given time.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Alaska Division of Motor Vehicles. "Mandatory Insurance."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.