Best Cheap Auto Insurance in Alaska (2024)

The best car insurance for you in Alaska will offer cheap rates and the coverages you need.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

Featured in

media logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated July 14, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Alaska is home to breathtaking scenery, deep-rooted history, and thrilling outdoor escapades. To fully explore the wonders of this state by car, you’ll need to equip yourself with dependable car insurance. State Farm, USAA, and Allstate offer some of the state’s best and most affordable car insurance options.

The average cost of car insurance in Alaska is $135, according to Insurify’s internal data. Alaska drivers may see auto rates about 45% 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.

Quick Facts
  • Alaska is a tort state, meaning an at-fault driver is responsible for paying damages and losses incurred by the victim.

  • High-risk drivers must carry an SR-22 certificate, which can increase rates.

  • Alaska insurance companies can use your credit score when setting your premiums.

Best car insurance companies in Alaska

The best car insurance will depend 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. Here are a few of the best insurance companies in Alaska.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm9.3$104$48Cheap rates
USAA9.4$90$41Military community
Allstate8.9$125$56At-fault accidents
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$120/mo

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)

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$46/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.
$100/mo

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
  • Only available to active-duty military members, veterans, and their families

  • Gap insurance not available

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for drivers with at-fault accidents: Allstate

Compare personalized, real-time quotes
User Reviews
3.2
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.
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.
$63/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.
$138/mo

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

Read more driver reviews of Allstate
Jennie - July 14, 2024
Verified

Cain Insurance is Great!

Cain Insurance has always been fair to me and my late husband.

Brice - July 13, 2024
Verified

Disappointed with Allstate

I would never continue a relationship that is supposed to be mutually beneficial for an extended period of 13 years, knowing that they never had my best interest at heart. They may mislead you to add onto your coverage by promising that if you have to utilize that benefit, it will offer you certain advantages. However, when you attempt to utilize an endorsement that costs you additional money on your premium, it offers nothing that they used to upsell that endorsement. With Allstate, it feels like you're in the hands of a company that prioritizes its own interests.

Anthony - July 13, 2024
Verified

Difficulties with Allstate's Phone Service

The telephone service is poor; it's hard to speak to anyone knowledgeable.
7 Best Car Insurance Companies (July 2024)

7 Best Car Insurance Companies (July 2024)

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:

  • Compare quotes. You should get at least three different rates from various insurers. To get the most accurate comparisons, ensure your coverage types and levels are the same across each auto policy.

  • 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. Good drivers tend to see lower rates on their car insurance than drivers 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 in the event you need to file a claim.

Cheapest liability-only car insurance 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 CompanyAverage 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.

Find Cheap Car Insurance in Alaska

Insurify partners with 100+ top companies to show the most accurate quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest full-coverage car insurance 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 CompanyAverage 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 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, according to the State of Alaska Division of Motor Vehicles (DMV).[1]

CoverageMinimum Requirements
Bodily injury liability$50,000 per person and $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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If an at-fault party doesn’t have enough liability coverage, this coverage lets you file a claim with your insurer to cover the expenses.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Rental car coverage

    This endorsement reimburses you for rental car expenses so you can get around while your vehicle is in the shop for repairs.

Cheapest car insurance for drivers with an incident

Driving incidents refer to speeding tickets, DUIs, at-fault accidents, and other moving violations, which can increase your car insurance premiums. Insurers see drivers with an accident on their records as riskier drivers, as it indicates a higher likelihood of being involved in future accidents. So, to offset the risk, insurers raise your auto insurance rates.

For instance, in Anchorage, Alaska, a driver with an at-fault accident on their record pays almost $70 more each month for car insurance than a driver with a clean driving record, according to Insurify data.

Find Cheap Car Insurance in Alaska

Search for affordable rates in the Last Frontier state

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

If you’ve received a speeding ticket, your auto premiums will likely increase. A ticket can stay on your record for up to five years, resulting in higher rates for that duration. However, the following auto insurers offer affordable monthly quotes in Alaska despite the blemish on your record.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$177$117
GEICO$179$118
USAA$195$129
Midvale Home & Auto$227$150
Progressive$295$195
Allstate$319$210
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 car insurance for drivers with an at-fault accident: State Farm

At-fault accidents can stay on your record for up to five years, causing your rates to remain high through that time. However, you’re not completely out of luck if you have an at-fault accident on your record. These car insurance companies offer the best monthly quotes for drivers with an at-fault accident.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$235$155
GEICO$238$157
USAA$259$171
Midvale Home & Auto$301$199
Progressive$392$259
Allstate$423$279
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 car insurance for drivers with a DUI: State Farm

Driving under the influence is a serious offense with major legal repercussions. After getting a DUI in Alaska, you may need to obtain an SR-22 certificate to reinstate a suspended license. Many states require high-risk drivers to obtain SR-22 insurance to prove they have the minimum liability car insurance in their state.

However, finding an insurance company offering high-risk insurance at a low rate can be challenging. Fortunately, these Alaska car insurance companies provide high-risk drivers with budget-friendly monthly quotes to help them get back on the road.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$198$131
GEICO$201$133
USAA$219$144
Midvale Home & Auto$254$168
Progressive$331$218
Allstate$357$236
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 car insurance for seniors: State Farm

While the cost of car insurance generally decreases around age 35, you may see your rates climb again around age 75. Despite more experience on the road, age-related conditions such as slower reflexes and decreased vision make seniors more statistically prone to accidents. So, insurers may charge more to account for this risk.

However, if you’re looking for a car insurance policy in your 70s, you can still find a good deal. The table below illustrates insurance companies that offer cost-effective monthly rates for seniors.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$91$60
GEICO$92$61
USAA$100$66
Midvale Home & Auto$117$77
Progressive$152$100
Allstate$164$108
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.

Cheapest car insurance for teens: State Farm

With less experience on the road, teenagers are more likely to be involved in accidents, thus posing a high risk to car insurance companies. As a result, young drivers will pay a higher price for their auto policy.

Teens can keep their auto insurance premiums low by staying on their parents’ insurance policy, driving a safe car, and taking advantage of good student discounts. They can also shop around and compare quotes from different insurance companies. Below, you’ll find some of the cheapest insurers for teens in Alaska.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$227$150
GEICO$231$152
USAA$251$166
Midvale Home & Auto$292$193
Progressive$379$250
Allstate$410$270
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.
Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

Find Cheap Car Insurance in Alaska

Compare liability or full-coverage insurance from top insurers

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Alaska car insurance quotes by credit tier

Insurance companies in Alaska can use your credit history to determine your rates. A high score indicates to insurers that you’re less likely to file a claim. Drivers with excellent and good credit may see lower rates, while drivers with poor credit may pay higher rates.

Rates by Credit Tier

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.
The 10 Best and Worst Car Insurance Comparison Sites for 2024

The 10 Best and Worst Car Insurance Comparison Sites for 2024

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.

  • How much is car insurance in Alaska?

    Car insurance in Alaska costs $151 per month, on average. Drivers in the state pay $190 per month for full-coverage insurance and $112 per month for liability coverage. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in Alaska?

    With an IQ Score of 4.4 out of 5 and an A.M. Best financial strength rating of A++ (Excellent), State Farm is the best car insurance company in Alaska. Of the insurers Insurify has rate data for, other top Alaska auto insurers include USAA, Allstate, GEICO, and Progressive.

  • Is it illegal to not have car insurance in Alaska?

    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.

  • Is auto insurance cheaper in Alaska?

    Yes. Alaska’s average auto insurance rate is $135 per month, $77 cheaper than the national average. Car insurance is much more affordable in Alaska than in the rest of the country because it’s remote, and fewer drivers are on the roads at any given time.

Insurify Insights

How Alaska Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Alaska below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Alaska drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Alaska

#31

State with the Most Speeding Tickets Rank

#39

State with the Moving Violations Rank

#20

State with the Most DUIs Rank

#20

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Alaska is the #46 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #46
    • Percent of drivers in Alaska with an accident: 6.2%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Alaska is the #20 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #20
    • Percent of drivers in Alaska with a DUI: 1.6%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Alaska is the #11 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #11
    • Percent of drivers in Alaska with a reckless driving offense: 1.8%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Alaska is the #13 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #13
    • Percent of drivers in Alaska with a rude driving violation: 2%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Alaska is the #31 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #31
    • Percent of drivers in Alaska with a speeding ticket: 7.9%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Alaska is the #15 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #15
    • Percent of drivers in Alaska with a failure to yield violation: 0.2%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Alaska Division of Motor Vehicles. "Mandatory Insurance."
Alani Asis
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all