Average Cost of Car Insurance Rates in Alaska (2021)

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How Much Does Car Insurance Cost In Alaska?

On average, car insurance rates for drivers in Alaska are $169 per month, and $2025 per year. The average rates make Alaska the 36th most expensive state in the country for car insurance rates and 32% less expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16950%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Alaska Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Alaska and has selected the following providers and quotes as the best rates for drivers in Alaska.

Cheapest Companies
state-farm
$42/mo
allstate
$44/mo
geico
$69/mo
american-family
$125/mo

Alaska Car Insurance Rates by City

For drivers in Alaska, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Alaska.
City
Anchorage$169
Eagle River$206
Fairbanks$151
Fort Wainwright$225
Jber$214
Juneau$117
North Pole$125
Palmer$207
Wasilla$150

What Is the Average Cost of Car Insurance in Alaska by Age?

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.

Age
Teens$229
20s$220
30s$134
40s$132
50s$104
60s$132
70s$130
>80sN/A

What Is the Average Cost of Car Insurance in Alaska by Gender?

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.

Gender
Male$183
Female$155

Does Marital Status Influence the Average Cost of Car Insurance in Alaska?

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.

Marital Status
Married$140
Single$185

What Are the Minimum Car Insurance Requirements in Alaska?

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

How Does Credit History Affect Alaska Car Insurance Rates?

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.

Credit History
Poor$166
Average$178
Good$179
Excellent$144

What Is the Average Cost of Car Insurance in Alaska for High-Risk Drivers?

"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.

Driving History
No Violation$154
At-Fault Accident$209
Speeding$167

Tips for Researching Alaska Car Insurance Rates

Insurance rates can vary between companies and are influenced by a variety of unique factors. While Alaska may not have as many options when it comes to car insurance carriers, especially compared to more populous states like California or New York, Alaskans should still carefully weigh their options before buying coverage.

One way to compare options easily is with Insurify. Insurify makes it easy to find cheap car insurance. All you need to do is enter some simple information about your location and driver history, and Insurify will give you 10+ free quotes from a variety of companies so that you can pick the right policy at the right price.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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FAQs - Alaska Car Insurance

Why is car insurance so expensive in Alaska?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Alaska?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Alaska. 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.

Which providers have the best auto insurance ratings in Alaska?

'The way to find the carrier with the best auto insurance ratings in Alaska and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Alaska?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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.