Compare Car Insurance Rates in Alaska

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Cheap Car Insurance Alaska: Full and Minimum Coverage

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  • Car insurance in Alaska averages $45 per month for minimum-coverage policies and $141 each month for full coverage.
  • USAA offers the lowest average prices in Alaska for minimum coverage, while GEICO offers the cheapest full coverage option.
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Alaska car insurance.

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Drivers in Alaska can find the cheapest car insurance from USAA at $26 a month and the second-cheapest from GEICO at $28 per month. Our review experts have thoroughly researched 43 different car insurance companies by looking at customer reviews, industry reputations, coverage options, and cost information for each. 

To help you find the best car insurance company for you, in Alaska at affordable prices, we’ll take a deeper dive into each company’s average premiums and coverage options.

Best Car Insurance Rates in Alaska

As an Alaska driver, you can find the cheapest auto coverage rates from USAA, GEICO, and Allstate. However, you should still get quotes from multiple companies to find and compare your exact rates. Here’s a quick breakdown of our review methodology:

  • Our researchers look at each company’s coverage options, availability, industry standing, and affordability to create an overall rating out of 5.0 points for that company.
  • We also analyze consumer studies, surveys, and positive and negative customer reviews and ratings.
  • Our team used Quadrant Information Services to find Alaska car insurance cost information for different urban areas, driver profiles, and coverage types.
  • We used data from Quadrant to discover the cheapest coverage options from quality car insurance providers.
  • Most average premiums below are based on the profile of a 35-year-old married driver with good credit and a clean driving history.

Here’s a quick look at the cheapest auto insurance providers in Alaska for a few driver profiles:

  • Cheapest full-coverage provider: GEICO, followed by USAA
  • Cheapest minimum-coverage provider: USAA, followed by GEICO
  • Cheapest provider for teen drivers: GEICO, followed by Western National
  • Cheapest provider for drivers with a traffic violation: USAA, followed by State Farm

Cheapest Car Insurance Companies in Alaska

Below, you can find the Alaska car insurance companies that offer a steady mix of the best coverage at the most affordable prices. USAA has the cheapest rates across most profiles and coverage types, but State Farm has our highest overall rating for its own high-quality policies and records of customer satisfaction.

.Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$37$12012

Cheapest Car Insurance Coverage in Alaska

In Alaska, you only need liability coverage to legally drive on the roads, so getting minimum-liability car insurance will help get you the cheapest coverage in the Last Frontier. However, liability insurance only covers the bodily injuries and property damages of other drivers and parties involved in an accident you’re found at fault for.

It won’t cover the medical bills of you or your passengers if injured in a car accident, and it won’t pay to repair your vehicle or fix any other property damages. That’s why getting a full-coverage car insurance policy could be worth the extra cost, especially if you don’t have the expenses to cover out-of-pocket costs after a road collision.

Cheapest Minimum-Liability Car Insurance in Alaska

In Alaska, the average premium for minimum coverage is $45 per month or $538 per year. USAA tends to offer the cheapest policies in this area, with averages of $307 per year or $26 per month.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$37$446
Western National$43$521

Cheapest Full-Coverage Car Insurance in Alaska

The standard rate for full-coverage auto policies is $1,693 per year or $141 per month in Alaska. With full-coverage car insurance, GEICO features the most affordable average annual premiums at $1,037.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$120$1,437
Western National$155$1,855

Alaska Car Insurance Quotes by Driver Profile

It’s important to collect and compare your own auto insurance quotes from multiple providers, because your actual rates will likely differ from the premiums listed above. Auto insurers set their rates for each policyholder by a number of different factors.

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Here are the most common things auto insurance companies will look at to determine your premiums are your:

  • Age and gender
  • Marital status
  • Credit history
  • Driving record
  • Claims history
  • Coverage choices
  • Location
  • Deductible amount

Cheapest Car Insurance in Alaska: Age

In most states, car insurers use age as one of the largest factors for determining premiums. Drivers in their teens and early 20s almost always pay more for car insurance than older drivers.  The table below shows the average rates for Alaska drivers of different ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Alaska: High-Risk Drivers

Aside from age, your driving history will play a big part in setting your car insurance rates. If you have any car accidents, speeding tickets, stop-sign violations, DUIs, or other traffic violations within the last five years, most car insurance companies will consider you a high risk to insure. To offset this risk, they’ll likely charge higher car insurance premiums.

Below you can see the average monthly minimum-coverage rates for drivers with no violations or accidents compared to those who have been dubbed high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$37$41
Western National$43$43

Car Insurance Rates in Alaska: Speeding Ticket

Your premium can rise just from getting a single speeding ticket. Among our top providers, USAA tends to offer the cheapest rates after a speeding ticket – at $400 per year or $33 per month. GEICO also proves to be a great option for drivers with recent speeding tickets.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$40$481
Western National$43$521

Car Insurance Rates in Alaska: At-Fault Accident

If you’re an Alaska driver who got into a recent car accident, USAA is your best bet for finding the cheapest rates. Drivers can pay an average of $473 per year or $39 per month with a USAA policy. You can also find affordable coverage at Western National and State Farm.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Western National$43$521
State Farm$44$529

Car Insurance Rates in Alaska: DUI

Alaskan motorists who get caught driving under the influence (DUI) will soon find their premiums skyrocketing. State Farm offers average premiums of $480 per year or $40 per month. Western National and USAA also offer some of the cheapest car insurance rates for DUI drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$40$480
Western National$43$521

Average Cost of Car Insurance in Alaska

The average cost of car insurance in Alaska averages out to $538 per year ($45 per month) for minimum-coverage car insurance and $1,693 per year ($141 per month) for full coverage. Alaska’s minimum coverage average is about 14% lower than the national average of $635 per year. Compared to the national average for full coverage ($1,730 per year), Alaska’s average is 11% lower.

Average Car Insurance Cost in Alaska by City

Across the U.S., urban areas with higher populations tend to get higher car insurance costs, and Alaska is no exception. While Alaska has many remote areas, the bigger towns and cities like Juneau and Anchorage will see higher rates. 

Population numbers, weather patterns, traffic activity and crime rates will vary between ZIP codes, so you can always expect premiums to vary too. The table below shows the average rates for car insurance in Alaska’s largest cities.

Cities in AlaskaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Eagle River$50$148
Steele Creek$38$146

Alaska Minimum Car Insurance Coverage

To legally drive in Alaska, you have to meet these state-minimum coverage requirements for car insurance:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

If you’re caught driving without the right auto insurance in Alaska, you could face a license suspension and vehicle impoundment. Certain residents in very remote parts of Alaska with very few citizens are exempt from having car insurance. You can check with your local DMV to see if you qualify for this exception.

While you have minimum car insurance requirements, most insurance companies will recommend that you add certain coverages to your auto insurance policy. These usually include underinsured/uninsured motorist coverage, collision insurance, and comprehensive coverage With these added coverages, your repair costs will be covered after any: 

  • Road collisions
  • Theft
  • Vandalism
  • Floods
  • Fire
  • Hit-and-runs
  • Other natural disasters

To take care of your and your passengers’ injuries after an accident, look into personal injury protection (PIP) and medical payments coverage (MedPay).

Cheap Car Insurance in Alaska: Conclusion

If you want the cheapest car insurance in Alaska, your best bet is to go with USAA. However, only drivers who are active military, veterans, or family members of the military can qualify for USAA coverage. 

For those who can’t qualify for USAA, the next cheapest option is GEICO, which sports an average full-coverage rate as low as $86 per month. You should still compare auto insurance quotes from multiple companies to find your ideal coverage. You can go online or contact an insurance agent to do this.

While full-coverage auto insurance is more expensive, it could save you from having to pay for medical bills and motor vehicle repairs out of pocket if you ever get into an accident.

Best Car Insurance in Alaska: Recommended Providers

While USAA provides the cheapest coverage in Alaska, not all drivers can qualify for coverage. With that in mind, there are other big companies that offer high-quality coverage at still affordable rates. After a thorough review, we recommend State Farm and Geico for shoppers seeking out the best car insurance coverage in Alaska.

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State Farm: 4.7 out of 5.0

State Farm makes it to the top of the list for the best car insurance company to get full coverage from. On top of the six standard types of car insurance, State Farm provides the best student discount in the country (25% off premiums). Policyholders can lower their rates by taking part in State Farm’s Drive Safe & Save™ program.

Read more: State Farm insurance reviews

GEICO: 4.6 out of 5.0

GEICO is the second-cheapest company in Alaska next to USAA. On top of that, the insurer has a high financial strength from AM Best. This shows it has a higher likelihood to pay out claims. It also has a high customer satisfaction record and offers 16 different car insurance discounts that Alaska motorists can choose from.

Read more: GEICO insurance reviews

Cheapest Alaska Auto Insurance: FAQ

Which company gives the cheapest car insurance?

USAA offers some of the cheapest car insurance premiums in the nation and is the cheapest car insurance company in Alaska with high-quality coverage. Drivers can also find affordable coverage and multiple savings opportunities with GEICO.

How much is car insurance per month in Alaska?

The average cost of car insurance per month in Alaska is $45 for a minimum-coverage policy and $141 for full coverage. Our team found rates in Alaska as low as $26 per month for minimum coverage and $86 for a full-coverage policy.

How to reduce car insurance in Alaska?

If you’re a driver in Alaska, you can reduce your car insurance in the long term by doing these five things:

1. Opt for lower amounts of coverage.
2. Increase your deductible.
3. Look for special discounts at your company.
4. Improve your credit score.
5. Bundle your auto insurance with other policies, like homeowners or renters insurance.

How much is car insurance on average in Alaska

Car insurance in Alaska averages out to $538 per year for minimum coverage and $1,693 annually for full-coverage policies.

Is it illegal to drive without insurance in Alaska?

Yes, it’s illegal to drive without insurance in Alaska unless you live in an area that doesn’t require vehicle registration. You could get your license suspended or your vehicle impounded if you’re caught driving without proof of car insurance.

Is it cheaper to pay car insurance every six months or monthly?

It can often be cheaper to pay car insurance every six months instead of every month. This is because many auto insurance providers offer special discounts for drivers that pay their policies in full – however, not all insurance companies offer this savings opportunity. 

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that an auto insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.