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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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30+ years in financial services
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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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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Alaska drivers pay average monthly rates of $70 for liability coverage and $113 for full coverage. These rates are cheaper than the national averages of $99 for liability and $173 for full coverage, which is likely due to Alaska’s low population density and rural landscape.
The table below shows the average monthly rate for different types of drivers in Alaska.
Driver Category | Cheapest Insurance Company in AK | Cheapest Monthly Quote in AK |
|---|---|---|
| Overall | State Farm | $80 |
| State minimum coverage | State Farm | $80 |
| Full coverage | State Farm | $127 |
| Drivers with a clean record | State Farm | $80 |
| After a speeding ticket | State Farm | $117 |
| After an at-fault accident | State Farm | $118 |
| After a DUI | State Farm | $140 |
| Teen/new drivers | GEICO | $146 |
| Seniors | State Farm | $63 |
| Bad credit | GEICO | $96 |
Alaska drivers pay an average of $70 per month for liability-only coverage. This type of insurance pays only for damages and injuries the other driver sustains in an accident you cause.
Liability-only coverage excludes collision coverage and comprehensive coverage, so it won’t cover theft, vandalism, or weather-related damages to your vehicle.
The following table outlines the cheapest liability car insurance companies in Alaska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $80 |
| GEICO | $82 |
| USAA | $90 |
| Allstate | $138 |
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Britney Balk
Customer Service Supervisor, Insurify
State-minimum liability coverage often isn’t enough to pay for damages if you’re at fault in an accident. If you cause damages that exceed your policy limits, you’ll have to pay the remaining costs out of pocket. Consider increasing your liability limits or purchasing a full-coverage policy for more protection.
Full-coverage car insurance in Alaska costs $113 per month, on average, which is more than you’ll pay for state-minimum liability coverage.
Since Alaskans frequently have to drive long distances on rural highways for work, full coverage offers protection that many drivers might need. For example, the Alaska Highway is a paved, two-lane road where motorists may periodically encounter chuckholes and loose gravel.[1]
Check out the cheapest Alaska full-coverage car insurance companies in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $127 |
| GEICO | $130 |
| USAA | $142 |
| Allstate | $220 |
When you’re shopping for car insurance, you want to consider more than just price alone. Alaska drivers have to deal with long rural highways and harsh winter driving conditions, so you also want coverage that fits your needs.
Here’s a look at three of the best car insurance companies in Alaska to start your search.
| User Reviews | 4.0 |
|---|---|
| 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. | $80/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. | $127/mo |
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.
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.
State Farm is a good choice for Alaska drivers thanks to its broad range of coverage options that are available in both densely populated areas and more remote parts of Alaska. And you could save up to 30% by signing up for its Drive Safe & Save program, which calculates your discount based on your driving habits.
Cheap monthly rates in Alaska
Offers rideshare coverage
Robust mobile app
Doesn’t offer gap insurance
Doesn’t offer accident forgiveness
No loyalty discount available
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $82/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. | $130/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO offers more car insurance discounts than most insurers. You can save if your car has certain safety features, by paying your insurance policy in full, and by bundling your auto and home insurance or renters insurance. Teen drivers can also receive a good student discount by maintaining good grades.
GEICO also offers mechanical breakdown coverage and emergency roadside assistance, which is important given Alaska’s often harsh weather conditions.
Wide variety of coverage options
Superior (A++) AM Best Financial Strength Rating
Highly rated mobile app
Limited in-person support
Doesn’t offer rideshare coverage
Doesn’t offer gap insurance
| 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. | $90/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. | $142/mo |
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.
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.
USAA caters to veterans, military members, and their families. Alaska has a large veteran population of 59,000 residents, or roughly 8% of the state’s population.[2] The company is a good choice thanks to its competitive rates, excellent customer service, and military-specific coverages.
Highly rated by J.D. Power for customer and claims satisfaction
Superior (A++) AM Best Financial Strength Rating
Military-specific benefits
Available only to military members and veterans
Fewer coverage options than other insurers
Limited in-person support
Car insurance costs in Alaska have fluctuated in recent years after several years of increases driven by inflation and higher claim costs. Rising repair bills, limited parts availability, and higher labor costs have pushed premiums upward across the state.
But rates stabilized in 2025 as national premiums fell about 6% compared with 2024, providing drivers with some relief. Insurify data analysts expect the average cost of car insurance in Alaska to rise again in 2026, as insurers continue adjusting to account for repair and labor costs.
The table below shows how average car insurance rates in Alaska have changed over the past five years. It highlights how premiums have fluctuated as insurers adjust their pricing in response to claim costs, repair expenses, and statewide driving risks.
Liability rates start as low as $80 per month
Like most states, Alaska requires all drivers to carry a minimum amount of liability coverage on their motor vehicles. Here are Alaska’s minimum car insurance requirements:[3]
Bodily injury liability coverage: $50,000 per person and $100,000 per accident
Property damage liability coverage: $25,000 per accident
Car insurance prices can vary widely depending on where you live in Alaska. For instance, larger cities like Anchorage tend to have the highest premiums due to heavier traffic, higher accident risk, and more claims.
See the average car insurance costs in Alaska’s largest city below.
City | Average Monthly Quote |
|---|---|
| Anchorage | $114 |
Drivers in Alaska with a clean driving record qualify for the cheapest car insurance rates because they have a lower risk of filing a claim. State Farm is the cheapest insurer for good drivers, but it still pays to compare quotes.
The table below shows the average premiums for Alaska drivers with no recent accidents, tickets, or other violations on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $79 |
| GEICO | $83 |
| USAA | $89 |
| Allstate | $140 |
According to Insurify data, 4.7% of Alaska drivers have a speeding ticket on their record, which is about average compared to other states. Speeding can add between two and six points to your record in Alaska, depending on the speed you were driving and where it happened.[4]
Liability insurance averages $115 per month for Alaska drivers with a speeding ticket. You can see the cheapest insurers below for drivers with a speeding ticket in Alaska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $117 |
| GEICO | $123 |
| USAA | $134 |
| Allstate | $206 |
In Alaska, 4.9% of drivers have an at-fault accident on their record, Insurify data shows, which is slightly above the national average. But Alaska has seen a decline in traffic fatalities, from 1.6% in 2010 to 1.3% in 2022.
Liability policies average $114 per month for Alaska drivers with an accident. The following table compares the cheapest rates for Alaska drivers with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $118 |
| GEICO | $119 |
| USAA | $135 |
| Allstate | $206 |
In Alaska, about 1.7% of drivers have a driving under the influence (DUI) conviction — the highest share in the country, according to Insurify data.
Alaska drivers with a DUI pay an average of $141 per month for liability insurance.
Alaska imposes strict penalties for DUIs, and the average cost of a first DUI is $24,265.[5]
The table below highlights the cheapest car insurance quotes available for drivers with a DUI in Alaska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $140 |
| GEICO | $142 |
| USAA | $157 |
| Allstate | $241 |
Drivers in Alaska may need SR-22 insurance after serious violations like a DUI or driving without insurance. The certificate proves the driver carries the state’s required liability coverage. Alaska requires drivers with a DUI on their record to keep an SR-22 on file for five years after the first offense, 10 years after the second offense, and 20 years after the third offense.[6]
Insurers consider drivers who need an SR-22 to be high-risk, but some insurers still offer relatively affordable coverage.
The table below shows the cheapest car insurance rates for Alaska drivers who must file an SR-22.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $139 |
| GEICO | $143 |
| USAA | $157 |
| Allstate | $241 |
High-risk drivers pay an average of $102 per month
Teen drivers in Alaska can get their driver’s license at age 16, but they can’t have any passengers younger than 21 outside of their family members.[7]
Alaskan teens pay monthly averages of $126 for liability policies and $203 for full-coverage policies.
Alaska teens pay high premiums, but the table below shows the cheapest car insurance rates available to them.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $146 |
| State Farm | $155 |
| USAA | $166 |
| Allstate | $272 |
Alaska’s senior population is increasing quickly, and in southeast Alaska, more than one in four residents is older than 60.[8] On average, senior drivers pay $60 per month for liability coverage in Alaska.
The table below highlights the cheapest car insurance rates for Alaska drivers in their 60s.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $63 |
| GEICO | $65 |
| USAA | $73 |
| Allstate | $112 |
Alaska allows insurers to use credit history as one factor when setting auto insurance rates. Drivers with bad credit will have higher auto insurance premiums than drivers with good credit.[9] The table below highlights the cheapest car insurance quotes for Alaska drivers with poor credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $96 |
| USAA | $104 |
| State Farm | $110 |
| Allstate | $161 |
See quotes from top insurers in minutes
Car insurance costs in Alaska vary based on your driving record, location, and coverage amount. Here are answers to some common questions about finding cheap car insurance in Alaska.
Car insurance in Alaska costs an average of $70 per month for liability coverage, while full-coverage policies average $113 per month, Insurify data shows. Your rate will vary depending on factors like your driving history, vehicle type, and where you live.
The cheapest insurer in Alaska varies by driver profile. But companies like State Farm, GEICO, and USAA are some of the best insurers in the state. Comparing quotes is the best way to find the most affordable car insurance in Alaska.
Alaska requires drivers to meet minimum liability requirements to drive legally. This includes at least $50,000 in bodily injury liability per person and $100,000 per accident. Drivers also need to have at least $25,000 in property damage liability. This is often referred to as 50/100/25 coverage and helps pay for damages you cause in an accident.
No, Alaska is an at-fault state. This means the driver who causes an accident is responsible for paying for the other party’s damages through their liability insurance.
You can lower your car insurance in Alaska by maintaining a clean driving record, choosing a higher deductible, and taking advantage of discounts for bundling your auto and homeowners insurance. Comparing quotes regularly can also help you find lower rates.
Insurify data scientists analyzed more than 190 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:
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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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Featured in
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
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.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
