Best Car Insurance in Alaska (2025)

State Farm, Progressive, and USAA offer the best car insurance in Alaska.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 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.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

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.

Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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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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.

State Farm: Best overall

User Reviews
4.1
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.
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.
$95/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.
$131/mo
4.1
Best choiceBased on 11,395 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 (6,083)
Robert
Verified Review
State Farm Doing the Lord's Work
Reviewed in Florida on August 2025
They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.
Christopher
Verified Review
State Farm too expensive.
Reviewed in Florida on August 2025
Constant price increases are never a good thing.
Scott
Verified Review
State Farm: High on Cost, Low on Actual Service
Reviewed in Texas on August 2025
Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.
See all State Farm reviews
JD Power
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

Cons
  • Doesn’t offer gap insurance

  • No loyalty discount

  • Accident forgiveness not available

Progressive: Best for discounts

JD Power
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.
$107/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.
$174/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 (6,986)
Nancy
Verified Review
Good car insurance but terrible home insurance
Reviewed in New Hampshire on August 2025
Don't get home insurance with them because they outsource it to another company that doesn't pay your claim and accuses you of lying.
Raine
Verified Review
Fair Priced
Reviewed in Pennsylvania on August 2025
Good!
Crystal
Verified Review
Don't Like Progressive Prices
Reviewed in Pennsylvania on August 2025
Their prices are too high and they constantly keep going up.
See all Progressive reviews
JD Power
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

  • Limited options for extra coverage

  • May not have the lowest rates

USAA: Best for customer experience

User Reviews
4.9
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.
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.
$107/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.
$147/mo
4.9
Best choiceBased on 2,129 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 (1,205)
Richard
Verified Review
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Reviewed in Connecticut on August 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 2025
Top Notch! Best Insurance for Veterans!
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
See all USAA reviews
JD Power
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

Cons
  • Must be part of the military community to enroll

  • Limited options for extra coverage

  • Rates might be higher than other insurers

Allstate: Best for usage-based coverage

User Reviews
3.9
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.
8.9 /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.
$165/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.
$227/mo
3.9
A solid optionBased on 6,945 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 (3,683)
Alison
Verified Review
Allstate
Reviewed in Texas on August 2025
Great prices, agents available.
Sandra
Verified Review
Poor decision to not support clients
Reviewed in Arizona on August 2025
They did not subrogate when I was t-boned by a driver without insurance, but the registered owner was insured. However, the registered owner claimed they sold the car to the driver, but the driver never legally changed the title to their name. I would have hoped that Allstate would fight for their client and not accept that the auto was sold to the driver. The owner should have been responsible since they did not get the title out of their name.
Vickie
Verified Review
This company is fine - their prices, not so much
Reviewed in Oregon on August 2025
I've been with Allstate for home and auto insurance for the past several years. I'm totally disgusted by their constant rate hikes.
See all Allstate reviews
JD Power
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

  • Limited coverage options

  • Fewer discounts than competitors

Liberty Mutual: Best for customizable coverage

User Reviews
3.5
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.
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.
$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.
$245/mo
3.5
A solid optionBased on 3,039 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 (1,743)
Gilbert
Verified Review
Great while it lasted!
Reviewed in California on August 2025
It has been fine until now. They have decided to drop all auto coverage in CA, leaving us to look for a new insurer.
Jane
Verified Review
Pricey? But decent
Reviewed in New Jersey on August 2025
Seems pricey.
Rachel
Verified Review
Would not recommend
Reviewed in Nebraska on July 2025
Horrible customer service. They were not helpful with my claim from an accident that was not my fault. I feel I have been penalized ever since. They keep raising my insurance with no explanation.
See all Liberty Mutual reviews
JD Power
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]

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/0cc2b7beaf/insurify-icons-auto-gold-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/0a6ece6bd6/insurify-icons-auto-green-96x96_013-family.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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.

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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]

Sources

  1. III. "Nine ways to lower your auto insurance costs."
  2. Alaska Public Media. "4 reasons why your car insurance premium is soaring."
  3. Alaska.gov. "MANDATORY INSURANCE, Division of Motor Vehicles, State of Alaska."
Taylor Milam-Samuel
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
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

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.

Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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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