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The majestic wonder of the landscape, arguably the freshest seafood on earth, endless outdoor activity, and a strong sense of community are all reasons 750,000 people call Alaska home. All the good makes you forget about the long winters, unending sunlight, and sometimes unnavigable roads. Before you strap on your bunny boots, warm up the car, and hop in that four-wheel drive, are you getting the best price on car insurance? Here’s our guide to the best and cheapest car insurance quotes in the Last Frontier.
Here are the cheapest carriers in Alaska for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Alaska.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $42/mo |
 Allstate | $44/mo |
 GEICO | $69/mo |
 American Family | $125/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Alaska. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Quotes | |
|---|---|---|
American Family | $125/mo | |
State Farm | $42/mo | |
GEICO | $69/mo | |
Allstate | $44/mo |
Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Alaska to find you the cheapest quotes in each of these metropolitan areas.
Anchorage is the most populous city in Alaska, and is the home to 353,437 currently registered vehicles.
The state of Alaska requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Alaska are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that Alaska state law requires are $50,000 for the injury or death of a single person involved in a car accident and $100,000 for the injury or death of multiple persons. Insurance providers list this coverage at 50/100, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $100,000 are your responsibility.
The minimum property damage liability insurance requirements in Alaska are:
Property damage liability coverage pays for any property that you damage in an accident. The state of Alaska requires $25,000 for the minimum. You’ll see the collective state minimum listed at 100/50/25. The 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
Here are the cheapest insurance companies in Alaska based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
For Alaska drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Alaska, at $42 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | Quotes |
|---|---|
State Farm | $42/mo |
Allstate | $44/mo |
GEICO | $69/mo |
American Family | $125/mo |
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | Quotes |
|---|---|
Umialik | $26/mo |
State Farm | $35/mo |
USAA | $43/mo |
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | Quotes |
|---|---|
Umialik | $26/mo |
USAA | $36/mo |
State Farm | $39/mo |
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | Quotes |
|---|---|
Umialik | $26/mo |
USAA | $30/mo |
State Farm | $35/mo |
If you’re under 40 years old in the state of Alaska, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $21 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Alaska 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Alaskans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | Quotes |
|---|---|
USAA | $21/mo |
State Farm | $30/mo |
Umialik | $33/mo |
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Alaska on your behalf.
If you’ve been in Alaska for over 90 days and want to transfer your out-of-state license you must go to a DMV and:
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
Alaska is renowned for its grand mountains, lush forests, and picturesque glaciers. To reduce negative environmental impact in such a geographically diverse state, many green initiatives are beginning to take hold on local levels. Anchorage is currently eyeing a citywide plastic bag ban. In addition, the city of Juneau, whose electric sources are mostly hydroelectric, has demonstrated its commitment to have the most electric car charging stations per capita in the entire country. Since 2009, the travel agency Adventure Green Alaska has promoted sustainable eco-tourism programs in the state.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Alaska is vital for all car insurance shoppers hitting the road in The Last Frontier.
State Farm
Allstate
GEICO
