Cheap Auto Insurance Quotes in Alaska (2021)

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The only thing more beautiful than the sky when the "Lights Are Out" may be the deal you're about to score on car insurance. 

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.

Cheapest Car Insurance in Alaska

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.

 

 

Best Car Insurance in Alaska

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.

 

 

Car Insurance in Alaska

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.

Quotes by Top Carriers
Quotes ($/mo)
$65
$78
$83
$153
State FarmAllstateGEICOAmerican Family
Monthly $
CityCheapest Carrier
State FarmState Farm
$65/mo
AllstateAllstate
$44/mo
State FarmState Farm
$45/mo
State FarmState Farm
$45/mo
State FarmState Farm
$65/mo
State FarmState Farm
$45/mo
State FarmState Farm
$42/mo
State FarmState Farm
$65/mo
GEICOGEICO
$69/mo

Cheapest Liability Auto Insurance in Alaska

For drivers in Alaska, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Alaska. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Alaska.

Cheapest Full Coverage Auto Insurance in Alaska

For drivers in Alaska, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Alaska. The following are the best insurance rates from carriers that offer full coverage auto insurance in Alaska.

Alaska Driving Facts

alaska

Minimum Car Insurance Requirements in AK

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:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident

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:

  • $25,000 property damage liability per accident

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.

Cheapest Car Insurance Quotes in Alaska by Profile

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.

Cheap Car Insurance for Good Drivers

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
State Farm
$42/mo
Allstate
$44/mo
GEICO
$69/mo
American Family
$125/mo

Cheap Car Insurance for Drivers with DUI

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
Umialik
$26/mo
State Farm
$35/mo
USAA
$43/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

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
Umialik
$26/mo
USAA
$36/mo
State Farm
$39/mo

Cheap Car Insurance for Speeding Drivers

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
Umialik
$26/mo
USAA
$30/mo
State Farm
$35/mo

Cheap Car Insurance for Young Drivers

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
USAA
$21/mo
State Farm
$30/mo
Umialik
$33/mo

SR‌-22 Insurance in Alaska

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.

AK DMV Information

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:

  • Surrender your out-of-state driver’s license
  • Pass a written knowledge test and vision test
  • If you’re under 21, pass an alcohol and drug awareness test when you reach that age.

Insurify Insights: How Alaska Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Alaska drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Alaska

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. Among all fifty states, Alaska drivers rank 35 in the number of car accidents per driver.

  • Rank of States: #35
  • Percent of drivers in Alaska with an accident: 9.47%
  • Drivers in AK with an accident in their driving history paid on average 84.51% more than drivers with a clean record

Speeding Alaska

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Alaska drivers rank 13 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #13
  • Percent of drivers in Alaska with a speeding ticket: 11.88%
  • Drivers in AK with a speeding ticket in their driving history paid on average 49.3% more than drivers with a clean record

DUI/DWIs Alaska

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Alaska drivers rank 14 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #14
  • Percent of drivers in Alaska with a DUI: 2.65%
  • Drivers in AK with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Alaska

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Alaska is the Ford F-Series Pickup.

Rude Alaska

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Alaska drivers rank 6 in rude driving infractions.

  • Rank of States: #6
  • Percent of drivers in Alaska with a reckless driving violation: 3.19%
  • Drivers in AK with a reckless driving violation in their driving history paid on average 4.23% more than drivers with a clean record.

Safest Drivers Alaska

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Alaska drivers rank 37 in clean driving records across all fifty states.

  • Rank of States: #37
  • Percent of drivers in Alaska with clean record: 78.35%

Street Racing Alaska

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Alaska drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Alaska with a street racing violation: --%

Failure to Yield the Right of Way Alaska

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Alaska drivers rank 11 in failure to yield violations per driver across all fifty states.

  • Rank of States: #11
  • Percent of drivers in Alaska with a failure to yield violation: 0.54%
  • Drivers in AK with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Alaska

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. Among all fifty states, Alaska drivers rank 5 in the number of reckless driving offenses per driver.

  • Rank of States: #5
  • Percent of drivers in Alaska with a reckless driving offense: 0.29%

Hybrid/Electric Vehicle Ownership Alaska

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Alaska drivers rank 45 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #45
  • Percent of drivers in Alaska with a hybrid/electric vehicle: 0.54%

Greenest Cities in Alaska

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.

 
Greenes Cities

Anchorage

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Anchorage

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.

 

 

Road Statistics

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.

 

 
road with cars illustration

Road Rankings

 

 

20%Rural Roads in
Poor Condition

#9
Ranked

10%Structurally Deficient
Rural Bridges

#9
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#14
Ranked


FAQs - Alaska Car Insurance

What happens if I get caught driving uninsured in Alaska?

The penalties in Alaska can be harsh. If you get caught, you can be fined $500. Your license will be suspended for 90 days on a first offense, one year on a second, and three years for an at-fault accident. You also must maintain an SR-22 filing a year for each offense.

How is fault assigned after a car accident in Alaska?

Alaska is an at-fault state, not a no-fault state. In Alaska, the person responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.

Does my car insurance cover hitting a moose, elk, or other animals?

Yes, your comprehensive coverage protects you if you hit an animal. You must first pay the deductible. If you have liability only, you must pay for repairs yourself. On the bright side, you’ve already tenderized dinner.

Who has the cheapest car insurance in Alaska?

The best way to find the cheapest car insurance for Alaska drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.