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Cheap Car Insurance in Alaska (With Quotes, May 2022)

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Janet Hunt

By: Janet Hunt

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Alaska is $169 per month, or $2,028 annually.
  • GEICO is the cheapest provider we found in Alaska, with average premiums of $31 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Alaska

Alaska is an adventure you won’t soon forget. Whether you are touring in Fairbanks, “the Land of the Midnight Sun,” or viewing the spectacular mountains of Anchorage, you’ll need to meet Alaska driving requirements. Keep reading for a guide on finding the cheapest auto insurance rates in Alaska.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Alaska

How much is car insurance in Alaska?

The average cost of car insurance in Alaska is $169 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Price is important, and getting car insurance doesn’t have to break the bank. We compared auto insurance estimates from several Alaska insurers to identify the cheapest policy prices and listed those quotes in the table below.

Car Insurance CompanyAverage Monthly Quote
GEICO$31
State Farm$32
USAA$34
Allstate$36
Umialik$39
Progressive$71
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Alaska

If you want to save money on auto insurance, try purchasing a liability-only policy. If you are at fault in an auto accident, liability car insurance pays for any property damage or injury to others. The following are the average monthly prices in Alaska for the cheapest liability-only coverage.

Car Insurance CompanyAverage Monthly Quote
USAA$23
GEICO$24
State Farm$26
Progressive$36
Allstate$50
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Alaska

Although it’s more expensive, full-coverage car insurance can be worth it to stay protected on the road. Full-coverage car insurance includes liability and vehicle damage coverage (comprehensive and collision coverage). If you have a high-value car or are financing it, you’ll need complete coverage. Alaska’s cheapest full-coverage auto insurers are listed below.

Car Insurance CompanyAverage Monthly Quote
USAA$89
State Farm$99
Progressive$104
GEICO$107
Allstate$294
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Alaska

If your insurance options aren’t ruled by expenses, you might consider some highly ranked car insurance companies that cost a bit more than the lowest rates. Keep in mind that these are just average rates, and you might end up paying more or less than what’s stated here for your insurance policy. Either way, you can rest easy knowing you’re getting great quality coverage.

Car Insurance CompanyICSAverage Monthly Quote
USAA96$34
GEICO88$31
State Farm88$32
Allstate85$36
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

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Alaska Car Insurance Rates by Driving and Accident History

Auto insurers utilize algorithms to calculate your vehicle insurance prices. Auto insurance rates will rise if you have at-fault accidents, speeding tickets, or a DUI. You can use the tables below to get the best vehicle insurance rates according to your driving record.

See More: High-Risk Car Insurance Alaska

Cheap Car Insurance for Good Drivers in Alaska

The safest drivers qualify for the lowest auto insurance rates. A safe driver has not committed any minor traffic offenses in the last three years and has not committed any significant violations in the previous five to seven years. The chart below details the typical insurance premiums for Alaskan drivers who have no traffic infractions.

Car Insurance CompanyAverage Monthly Quote
GEICO$26
State Farm$29
USAA$30
Allstate$32
Umialik$39
Progressive$63
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Alaska

The price of your car insurance will go up if you have a DUI on your record. If you get a DUI, you will have to wait for three years or often, up to ten years, before your car insurance rates decrease. For now, you can use the table below to find the average rates for Alaskan drivers who have had DUIs on their record.

Car Insurance CompanyAverage Monthly Quote
State Farm$32
Umialik$39
GEICO$56
Allstate$57
USAA$57
Progressive$75
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Alaska

SR-22 Insurance in Alaska

A certificate of financial responsibility called an SR-22 might be required by the court if you get in trouble with the law for many different reasons. The SR-22 form shows that your auto insurance meets the state’s minimum liability insurance requirements. If you live in Alaska, these companies can help you get SR-22 insurance.

*Only active and retired military members and their families are eligible for USAA car insurance.

Cheap Car Insurance for Drivers with an At-Fault Accident in Alaska

If you get into an accident that was your fault, your car insurance rates will increase. It depends on the details of the accident and whether you have had other accidents that were your fault before. Use this table to find the best rates for Alaskan drivers who have had at-fault accidents on their records.

Car Insurance CompanyAverage Monthly Quote
State Farm$35
Umialik$39
GEICO$43
USAA$44
Allstate$51
Progressive$96
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Alaska

In most cases, a speeding ticket will remain on your driving record for three years. Your rates will almost certainly increase until those three years are up. Concentrate on improving your driving record until you can qualify for a lower car insurance rate once more. Use this table to find low-cost auto insurance for Alaskan drivers with speeding tickets.

Car Insurance CompanyAverage Monthly Quote
GEICO$26
State Farm$32
Umialik$39
USAA$39
Allstate$42
Progressive$81
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Alaska Car Insurance Rates by Credit Tier

An insurer may use a credit-based insurance score to assess your risk. Historically, drivers with poor credit history account for a higher percentage of paid claims and therefore see higher premiums on average. Car insurance prices for Alaskan drivers with excellent, average, good, and poor credit are shown below.

Credit tierAverage Monthly Quote
Excellent$29
Average$41
Good$34
Poor$54
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Alaska Cities

Car insurance rates in Alaskan cities can vary depending on several factors, including the city’s crime rate, population, extreme weather events, and highway infrastructure. The chart below depicts the average cost of car insurance in Alaska’s major cities.

CityAverage Monthly Quote
Anchorage$167
Wasalia$151
Fairbanks$153
Palmer$220
Juneau$118
Kodial$108
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Alaska Car Insurance Rates by Driver Age

Insurance companies recognize that more experienced drivers have fewer road accidents. However, statistics demonstrate that younger drivers have more accidents than older drivers, resulting in higher insurance rates. The table below will help drivers find the best deals on vehicle insurance in Alaska.

Age GroupAverage Monthly Rate
Teenagers$93
Under 25$65
20s$37
30s$33
40s$30
50s$31
60s$31
70s$41
80+$47
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Alaska Driving Facts

Every state has minimum insurance requirements, and Alaska is no exception. Additionally, all drivers in Alaska will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Alaska.

Minimum Car Insurance Requirements in Alaska

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 is:

  • $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.

Alaska DMV Information

You can visit your local Alaska DMV for the following services:

  • Vehicle registration renewal
  • Replacement vehicle registration
  • Report vehicle sale
  • Renew your driver’s license
  • Replacement driver’s license
  • Get a copy of your driving record
  • Online driver’s training
  • Schedule a road test
  • Schedule an in-person appointment

While Alaska DMV offices across the state are open to provide services to Alaska residents, the Division of Motor Vehicles recommends taking advantage of their online services to reduce wait time.

Public Transportation in Alaska

The Alaska Department of Transportation and Public Facilities (DOT&PF) regulates all the state’s transportation infrastructure systems, including over 5,600 miles of highways, aviation facilities, harbors, airports, and a ferry system that services 35 communities along Alaska’s coast. Services offered by Alaska DOT&PF include:

  • City buses
  • Paratransit system
  • Ferry transport
  • Alaska Railroad

How to Get the Cheapest Car Insurance in Alaska

You may find several insurance providers claiming to be the cheapest, but how can you know which ones truly are? The easiest way is to compare quotes from multiple insurance companies tailored to your unique driving history.

Finding the best Alaska car insurance rates is simple with Insurify. Just enter your information once and you can quickly compare vehicle insurance quotes to find your best coverage options. We’ll even include discounts you might be eligible for, such as a homeowners discount or a student discount. It’s easy and takes under five minutes!

Frequently Asked Questions

  • All Alaska residents are required to have these mandatory auto insurance limits: bodily injury or death liability coverage $50,000/$100,000 and $25,000 for property damage. If you fail to carry the minimum required liability limits in Alaska, the state can suspend your driver’s license.

  • Comparing rates is the easiest approach to finding affordable Alaska car insurance. Auto insurance comparison-shopping allows you to compare prices from multiple insurance providers at once to get the best deal.

  • DUI drivers have a high impact on car insurance rates in Alaska. According to the Center for Disease Control and Prevention (CDC), Alaska’s alcohol-impaired deaths are 3.9 percent for all ages compared to the national average of 3.2 percent.

  • Personal injury protection (PIP) is not a required auto insurance coverage in Alaska since it is mainly required in no-fault driving states, and Alaska is an “at-fault” state.

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

#7

State with the Most Speeding Tickets Rank

#10

State with the Moving Violations Rank

#14

State with the Most DUIs Rank

#25

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 #32 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #32
    • Percent of drivers in Alaska with an accident: 9.62%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in AK who have a current at-fault accident on their driving record pay 84.51% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Alaska is the #7 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #7
    • Percent of drivers in Alaska with a speeding ticket: 12.4%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in AK with a speeding ticket in their driving history pay on average 49.3% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Alaska is the #14 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #14
    • Percent of drivers in Alaska with a DUI: 2.65%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in AK with a DUI in their driving history pay on average 0% more than drivers with a clean record.
  • 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 #6 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #6
    • Percent of drivers in Alaska with a rude driving violation: 3.19%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in AK with a rude driving violation in their driving history pay on average 4.23% more than drivers with a clean record.
  • 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 #5 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #5
    • Percent of drivers in Alaska with a reckless driving offense: 0.29%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Alaska is the #11 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #11
    • Percent of drivers in Alaska with a failure to yield violation: 0.54%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in AK with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Alaska is the #37 state in the country for drivers with a clean record.

    • Rank among states: #37
    • Percent of drivers in Alaska with a clean record: 78.35%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • 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 among states: #45
    • Percent of drivers in Alaska with a hybrid/electric vehicle: 0.54%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Janet Hunt
Janet Hunt

Content Writer at Insurify

Janet Hunt received her B.S. in Business Administration with the University of Phoenix. She has worked in the insurance industry for over 20 years. Janet likes to spend her spare time coming up with gourmet recipes and trying them out on her guests. So far, all have survived.

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