8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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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Shopping for car insurance can be tricky since every driver has unique priorities and different budgets. But the good news is that drivers in Alaska have options. After analyzing cost, coverage, discounts, and customer satisfaction for 50 insurers, we found the best car insurance companies in Alaska.
Here’s what Alaskans need to know about finding the best car insurance.
Best car insurance companies in Alaska
The best car insurance company in Alaska depends on your priorities and the type of coverage you want. The following insurers stand out as the strongest options in different categories.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$104/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$140/mo
4.0
Best choiceBased on 11,984 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,298)
Karen
Verified Review
State Farm - Is It Worth the Money?
Reviewed in Montana on October 2025
State Farm charges very high rates. The agent never contacts you to discuss the policy; you have to call them. The agent has only talked to us in person once when he signed us up for insurance. Double-check charges. First, we're told a policy is canceled, and then it's back on again. Also, vehicles were put down as work vehicles that weren't because it is a dually, and you don't use a dually for personal use.
We asked that it not be listed as work as we have a work vehicle, and it has taken them a couple of months to send it through processing. Still don't know if it is listed as personal or work because nobody calls to tell us. Make sure you get a company that communicates effectively.
Also, if State Farm can spend millions of dollars on a 15-second commercial for the Super Bowl, why can't they drop rates? This is not fair. If they are in the blue, why not pass it on to the customer? We are the ones that put the money in there.
Bruce
Verified Review
Excellent
Reviewed in New York on October 2025
My overall experience has been excellent, except for the price.
Ralph
Verified Review
No complaints
Reviewed in Florida on October 2025
My agent has been very attentive in addressing my needs.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Low rates, unique coverage options, plenty of discounts, and solid customer service make State Farm the best overall choice for drivers in Alaska. Its website is user-friendly, and the mobile app is highly rated. Getting a quote is easy — you can get one online or with a local agent.
Pros
Coverage for different types of vehicles, including boats and RVs
High J.D. Power customer satisfaction ratings
Offers rideshare coverage and travel expense reimbursement
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$175/mo
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,264)
Jacob
Verified Review
Don't Care About Anything But Money
Reviewed in Georgia on October 2025
I've never had an accident and always made payments on time for over 3 years. They constantly make mistakes and charge me for things that aren't mine, then have to refund me. I've discovered I've been paying 200% more for lesser coverage than all of my friends and family for two paid-off vehicles, with no accidents or missed payments ever. Thanks, Progressive, for not rewarding your loyal customers at all. It's something new every time I make my huge monthly payment, and you threaten cancellation.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
With nearly 20 discounts, Progressive is an excellent choice for Alaska drivers who want to save money. You can take advantage of standard discounts, like a multi-car and good student discount, or unique savings options, like signing online or paying in full. Snapshot, a usage-based program, provides additional discounts for safe driving which can also help reduce your rates even more.
Pros
Coverage for ATVs and snowmobiles available
Extensive discount options
Name Your Price tool simplifies coverage
Cons
Below-average J.D. Power claims satisfaction rating
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$117/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$157/mo
4.9
Best choiceBased on 2,265 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,263)
Joe
Verified Review
Car Insurance Rates
Reviewed in Delaware on October 2025
Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.
Halbert
Verified Review
Good
Reviewed in Michigan on October 2025
Lowering car insurance rates!
Gary
Verified Review
Hard to beat USAA
Reviewed in West Virginia on October 2025
I have both auto and home insurance with USAA, and they are great!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA is a members-only insurer for military personnel, veterans, and immediate family members. The company consistently ranks as one of the best options for a positive customer experience. USAA earned a claims satisfaction score of 726 out of 1,000 from J.D. Power, which helps it stand out as an excellent choice for Alaska drivers with a military affiliation.
Pros
Rated highly by J.D. Power for customer satisfaction
Annual policyholder dividends
A++ (Superior) financial strength rating from AM Best
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$181/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$243/mo
3.9
A solid optionBased on 7,320 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,807)
Richard
Verified Review
It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.
Reviewed in Texas on October 2025
It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.
Helene
Verified Review
Limited Interaction with Allstate Personnel
Reviewed in Florida on October 2025
Ask about specific expenses.
Irwin
Verified Review
Good service, not always the lowest rates
Reviewed in Florida on October 2025
I’ve had no issues communicating with my Allstate agent. I naively believed they would always look for the best rates for me. When I started shopping, I saw that wasn’t the case. I think it’s the company policy and not the local agents.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Drivers in Alaska with low annual mileage can use Allstate’s pay-per-mile coverage for cheap car insurance. Allstate’s Milewise program is one of the best options for usage-based coverage, according to the J.D. Power customer satisfaction study. Milewise allows you to pay a daily rate based on how much you drive. It can be a great choice for stay-at-home parents, teens away at college, remote workers, and retirees who don’t drive often.
Pros
Daily rate option for lower costs and more flexibility
Bonus for safe driving every six months
High J.D. Power customer satisfaction rating for usage-based policies
Cons
Below-average J.D. Power customer satisfaction score for traditional policies
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$166/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$225/mo
3.5
A solid optionBased on 3,121 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,773)
Batrina
Verified Review
Liberty Mutual - Expensive
Reviewed in Mississippi on October 2025
Shop around as Liberty Mutual is expensive, even after being a customer for several years.
Janice
Verified Review
Excellent
Reviewed in Pennsylvania on October 2025
Too expensive for how little I drive. I'm retired and drive maybe 10 miles a day, 2 days a week.
Susie
Verified Review
Run from Liberty Mutual
Reviewed in Texas on October 2025
Look elsewhere; they give you high deductibles and you still pay twice as much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Liberty Mutual has unique coverage options, like better car replacement, a teacher auto endorsement, and a lifetime repair guarantee. It’s easy to customize coverage and create a policy that’s exactly what you want. The website is user-friendly and educational, making it easy to understand coverage options and choose the right ones.
Pros
Unique coverage options
Accessible customer service
Policies are easy to customize
Cons
Low J.D. Power claims satisfaction rating
Higher rates compared to competitors
Mixed customer reviews on the Better Business Bureau website
Our editorial team analyzed regional and national auto insurance companies that sell policies in Alaska to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Alaska
Ultimately, the best car insurance in Alaska depends on your priorities and coverage needs. It can be challenging to sort through different options as you shop for coverage, but you can take these simple steps to make the process easier:[1]
Determine your priorities
Figuring out your priorities is the first step to finding the best car insurance. Determine one or two top priorities — cost, coverage, customer satisfaction, or financial stability — and prioritize them as you search. Narrowing your focus makes the process less overwhelming.
Review insurer ratings
Reviewing third-party ratings, like J.D. Power for customer satisfaction and AM Best for financial stability, can offer more insight into an insurance company’s reputation.
Consider how much coverage you need
Whether you’re looking for liability insurance, usage-based, full coverage, or optional add-ons, deciding on the amount of coverage can help you determine which insurance company is the best fit. Some insurers are excellent at one type of insurance but not another.
Read reviews from policyholders
Reading current customer reviews can help you better understand how the company works. It’s especially important to consider reviews if you want to prioritize your customer experience. You can find customer feedback on sites like Trustpilot, Insurify, and the Better Business Bureau.
Compare quotes from multiple insurers
It’s free and quick to compare multiple quotes from different insurers, making it an effective way to find the best option. You can use an insurance-comparison website, but most insurers allow you to input information and view quotes online. Try to compare quotes from at least three companies before making a decision.
Find Cheap Car Insurance in Alaska
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Alaska
On average, car insurance rates in Alaska are $151 per month. Your premium will depend on your driver profile, location, ZIP code, credit history, age, gender, and more. Alaskans experience lower rates than the national average, likely due to the state’s smaller population and less crowded roads. Both factors contribute to fewer accidents.
Even though car insurance rates are lower than average, car insurance costs in the state have increased. Almost every state is experiencing higher rates, including Alaska.[2] To save money, drivers can ask about discounts, compare quotes, and lower deductibles. In particular, Alaskans may be able to take advantage of multi-vehicle and bundling discounts if they have ATVs and snowmobiles.
Best car insurance in Alaska FAQs
Drivers in Alaska have various car insurance options, so it’s important to consider which one is the best for you. Check out the additional information below as you search for a policy.
How much is car insurance in Alaska?
On average, Alaskans pay $151 per month for car insurance. Car insurance costs depend on your individual driver profile and rating factors such as location, ZIP code, car type, credit history, gender, age, driving history, coverage level, and more. To get the best rates, keep a healthy credit score and a clean driving record, compare quotes, and look for discounts.
What are the best car insurance companies in Alaska?
USAA, State Farm, GEICO, and Progressive are some of the best car insurance companies in Alaska. As you decide which company to use, it’s smart to think about cost, coverage, discounts, and customer experience.
What is the required auto insurance coverage amount in Alaska?
Drivers in Alaska must have $50,000 per person and $100,000 per accident for bodily injury or death to meet the minimum coverage requirements. The state also requires coverage of at least $25,000 for property damage liability. You can add extra protection beyond the minimum, but it’s optional.[3]
Alaska.gov. "MANDATORY INSURANCE, Division of Motor Vehicles, State of Alaska."
Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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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