Teenagers are the most expensive age cohort to insure in Alaska, with their monthly rate exceeding the state average by $60. Prices go down somewhat for young adults in Alaska, though their rate still far exceeds the state average.

Prices dip dramatically for older drivers in their 30s, 40s, and 50s. Those in their 50s pay an especially lean $104 per month, far below the general state average. And for those over 60 in Alaska, you won’t have to worry about paying much more than $130 per month.

Men pay a solid amount more for car insurance in Alaska, exceeding the average women’s monthly rate by $28. Men on average pay $183 per month, while women pay $155.

Getting married is always cause for celebration—especially in Alaska, where it will decrease your monthly car insurance rate by an average of $45.

Overall, married Alaskans pay $140 per month, which is $29 below the state average. Meanwhile, single Alaska residents pay $16 more than the state average on car insurance, at $185 per month.

Alaska requires drivers to have bodily injury coverage of $50,000 per person and $100,000 per accident. This keeps you protected by paying for the injuries of anyone you harm in an accident up to those amounts.

Additionally, Alaska drivers must purchase $25,000 in property damage liability per accident, which covers any property you damage in an accident.

Alaska is one of many states that will take your credit score into account when determining your monthly car insurance rates. But don’t panic just yet—you’ll be relieved to find that Alaska car insurance rates don’t vary too wildly based on the quality of your credit score.

Naturally, those with excellent credit scores pay the least, at $144 per month. But this isn’t that much lower than those with poor credit scores, who pay $168 per month. In fact, those with average and good credit scores pay that most, at a little under $180 per month.

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Alaska will pay $13 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $55. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.