Average Car Insurance Cost in Alaska (2025)
Drivers in Alaska pay an average of $157 per month for car insurance.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Car insurance in Alaska costs an average of $205 per month for full coverage and $108 for state-minimum coverage. These rates closely match the national monthly averages of $192 for full coverage and $107 for liability-only coverage.
Although Alaska’s population density is just 1.3 people per square mile, the Alaska Division of Motor Vehicles reports that more than 30% of drivers in Alaska are uninsured.[1]
Here’s what you should know about car insurance costs in Alaska.
Quick Facts
Alaska drivers pay an overall average of $157 per month for car insurance.
State law requires Alaska drivers to carry at least 50/100/25 in liability insurance.
Alaska drivers pay an average of $2,460 per year for full-coverage policies.
How much is car insurance in Alaska?
Full-coverage car insurance in Alaska, which includes comprehensive and collision coverage and pays for your car’s damages, averages $205 per month, or $2,460 per year. Alaskans pay about $108 per month, or $1,296 per year, for liability-only insurance. This covers the other driver’s damages and injuries but doesn’t pay to repair your car.[2]
But car insurance rates in Alaska depend on many factors like your age and gender, driving record, annual mileage, type of coverage, and deductibles.[3]
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Average Alaska car insurance rates by age and gender
Your age affects your car insurance premium. Teens and young drivers usually pay the highest rates because they lack experience and are more likely to get into accidents than older drivers.[4] But rates increase again at age 70, as age-related changes may contribute to accidents.[5]
Alaska car insurance companies can also use gender as a rating factor. Male drivers often pay slightly higher rates than female drivers. Data shows that males tend to be involved in serious accidents and drive under the influence more often than females.
The tables below show the average cost of car insurance in Alaska for male and female drivers in different age groups.
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $239 | $453 |
| 18 | $208 | $394 |
| 20 | $142 | $269 |
| 25 | $126 | $239 |
| 30 | $110 | $209 |
| 40 | $101 | $191 |
| 50 | $91 | $172 |
| 60 | $85 | $162 |
| 70+ | $91 | $173 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $230 | $435 |
| 18 | $200 | $379 |
| 20 | $136 | $258 |
| 25 | $121 | $230 |
| 30 | $106 | $201 |
| 40 | $97 | $184 |
| 50 | $88 | $166 |
| 60 | $82 | $155 |
| 70+ | $88 | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Alaska
Your vehicle’s make and model also affect the cost of your car insurance in Alaska. Insurers consider the vehicle’s safety features, likelihood of theft, and cost of repairs when calculating your car insurance premium.
In the table below, you can see some of the most popular vehicles in Alaska, according to Edmunds, and the average monthly premium for each model. Reliability and capability in Alaska’s long winters make these vehicles popular choices.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $211 |
| Ford F-Series | $199 |
| Ram 1500 | $236 |
| GMC Sierra | $213 |
| Toyota RAV4 | $195 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Alaska
Your driving record significantly affects how much you pay for car insurance. Good drivers with no accidents, speeding tickets, or DUIs typically pay lower rates than people with a history of violations. Additionally, some car insurance companies provide a discount to drivers with no accidents or tickets within the last few years.
The following table shows average car insurance rates for a sample driver profile with various infractions on their record and compares them to the average rate for drivers with a clean record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $227 | 45% |
| With speeding ticket | $217 | 38% |
| With DUI | $258 | 64% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In Alaska, car insurance companies can use credit-based insurance scores to determine your insurance rate. That means your credit history affects the cost of your auto insurance policy. If you have excellent credit, you’ll typically pay lower rates than a driver with less-than-perfect credit, as they’re more likely to file claims.
The table below shows the average cost of car insurance in Alaska by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $100 $190 Good $104 $198 Fair $105 $199 Poor $130 $246 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Alaska
The tips below can help you lower your premiums and find the best insurance in Alaska:[6]
Look for discounts
Many car insurance companies in Alaska offer discounts, such as for paying your premium in full, insuring a new car, having certain safety features in your car, having no prior insurance claims, taking a defensive driving course, and getting good grades in school.
Bundle your policies
You can typically save money when you purchase multiple insurance policies from the same company, such as bundling car insurance with home insurance or renters insurance.
Enroll in a telematics program
Many insurance companies offer a telematics-based safe driver rewards program. Every time you drive, a mobile app tracks your speed, braking force, and other factors. You can get a lower premium if you demonstrate safe driving habits.
Raise your deductibles
Consider raising your comprehensive and collision deductibles, but choose an amount you can comfortably afford if you have to file a claim.
Compare quotes
Car insurance companies charge different rates for the same types of coverage. To find the best and most affordable auto insurance policy, it’s a good idea to shop around and compare quotes from multiple companies.
Alaska average car insurance cost FAQs
If you’re shopping for car insurance in Alaska, this additional information may be helpful as you compare companies and policies.
The average cost of car insurance in Alaska is $2,460 per year for full coverage and $1,296 per year for state-minimum coverage, according to Insurify data.
Car insurance premiums vary by driver, so the cheapest car insurance company in Alaska is different for everyone. To find the cheapest car insurance, it’s important to shop around and compare rate quotes from a few insurers.
The average monthly cost of car insurance in Alaska is $205 for full coverage and $108 for liability-only coverage. Your rate depends on several factors, including your age, credit-based insurance score, and driving record.
The best auto insurance company isn’t the same for everyone — the one that’s best for you depends on your coverage needs, budget, and preferences. Comparing multiple insurance companies can help you find the best insurer for your unique situation.
Drivers in Alaska must carry at least 50/100/25 in liability insurance.[7] That includes $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Alaska Department of Administration. "DMV is using technology innovatively to enforce insurance laws and make Alaska's roads safer."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance Information institute. "Background on: Older drivers."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Department of Commerce, Community, and Economic Development Division of Insurance. "Auto Coverage Options."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.