The cheapest full coverage car insurance in Alaska is $111 , saving you $29 compared to the average cost of insurance in the state, which is around $140 per month.

CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Alaska, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.

“Drivers looking to get the cheapest insurance premiums in Alaska should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.

Key Highlights
  • According to recent data, Geico offers the cheapest full coverage car insurance in Alaska at $111 per month.
  • Alaska drivers with a clean driving record pay 31% less for car insurance than drivers with a DUI.
  • In Alaska, the city of Ketchikan has the most affordable car insurance rates at $1,386 annually.
  • Comparing price quotes from multiple insurers can help you save up to 21% per year on your car insurance policy in Alaska.
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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Which company offers the cheapest car insurance in Alaska?

Based on data analysis by CarInsurance.com, Geico provides the cheapest full coverage auto insurance rates for Alaska drivers at a monthly rate of $111 or $1,338 a year.

A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.

Find out which insurance company offers the cheapest car insurance rates for full coverage in Alaska.

Cheapest car insurance rates in Alaska per month

CompanyFull Coverage Monthly Rates
Geico$111
State Farm$143
Progressive$145
Western National Mutual$165
Allstate$176
USAA*$97

Note: USAA is only available to military community members and their families.

Alaska drivers who pay lower insurance premiums

Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:

  • Married drivers pay 9% less than single drivers.
  • Alaska drivers with clean records pay 31% less than drivers who have a DUI on their records.
  • Alaska drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in Alaska.
  • Adding a teen to your policy will cost you 69% less than having the teen purchase their own auto insurance policy.
  • Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
  • Drivers insured for three or more years can save up to 15% on their insurance costs.

Cheapest Alaska companies for different coverage levels

Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.

Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.

 
Not all insurers offer the same coverage limits at the same price point. For instance:

  • Allstate is the cheapest for a state minimum policy.
  • Allstate has the cheapest rates for a liability-only policy (50/100/50).
  • Geico offers the cheapest car insurance for a full coverage policy (100/300/100) in Alaska.

 The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.

Cheapest state minimum coverage in Alaska

State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Alaska, you must have at least the following insurance coverage on your car.

Minimum CoverageMinimum Limit
Minimum bodily injury liability$50,000/$100,000
Minimum property damage liability$25,000

Read more about the minimum liability car insurance requirements by state

Below, you’ll see average annual rates for major insurance providers in Alaska, ranked from cheapest to most expensive for state minimum coverage.

CompanyState Minimum Annual Rates
Allstate$324
State Farm$376
Western National Mutual$381
Geico$384
Progressive$672
USAA*$251

Note: USAA is only available to military community members and their families.

Cheapest insurance providers for liability-only coverage in Alaska

Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.

Below, you’ll see average annual rates for major insurance providers in Alaska, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.

CompanyLiability Only Annual Rates
Allstate$405
State Farm$461
Geico$477
Western National Mutual$503
Progressive$865
USAA*$335

Note: USAA is only available to military community members and their families.

Cheapest full coverage car insurance in Alaska

Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.

In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.

The table below shows the average annual rates from major insurance providers in Alaska, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.

CompanyFull Coverage Annual Rates
Geico$1,338
State Farm$1,713
Progressive$1,742
Western National Mutual$1,984
Allstate$2,114
USAA*$1,166

Note: USAA is only available to military community members and their families.

Learn more about who has the cheapest full coverage auto insurance

Cheapest car insurance in Alaska, by driving history

Your driving history affects how much you pay for insurance in Alaska because insurance companies use it to assess the risk associated with insuring a driver. 

A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.

In Alaska, drivers with a history of traffic violation pay an average of $503 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.

Cheap car insurance rates in Alaska after a speeding ticket

A speeding ticket can impact your Alaska car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,372 a year.

CompanyRates Before SpeedingAfter Speeding (1-29 mph over limit)% Difference$ Difference
State Farm$1,262$1,3729%$109
Progressive$1,159$1,46526%$306
Geico$1,135$2,06482%$929
Allstate$1,881$2,21818%$337
USAA*$1,002$1,29229%$290

Note: USAA is only available to military community members and their families.

Cheapest car insurance premiums in Alaska after a DUI conviction

Progressive offers the cheapest car insurance to Alaska drivers with a DUI conviction at $1,362 per year and State Farm has the second-cheapest insurance premiums at $1,372 a year, based on recent data.

If you have a clean record, you are likely to pay 31% less for car insurance than someone with a DUI.

Company Rates Before DUIRates After a DUI% Difference$ Difference
Progressive$1,159$1,36218%$203
State Farm$1,262$1,3729%$109
Geico$1,135$2,07783%$942
Allstate$1,881$2,60438%$723
USAA*$1,002$1,85285%$851

Note: USAA is only available to military community members and their families.

Cheap car insurance companies in Alaska after an at-fault accident

State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,480 .

Geico is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,815 .

If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.

CompanyRates Before AccidentRates After Accident% Difference$ Difference
State Farm$1,262$1,48017%$218
Geico$1,135$1,81560%$680
Progressive$1,159$1,87261%$713
Allstate$1,881$2,73145%$850
USAA*$1,002$1,50050%$499

Note: USAA is only available to military community members and their families.

Cheapest car insurance rates by state

Alaska cities with the lowest auto insurance rates

Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.

The city with the lowest auto insurance rates in Alaska is Ketchikan, at $1,386 per year.

Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.

Find below a list of Alaska cities with the lowest car insurance rates.

CityFull Coverage Annual Rates
Ketchikan$1,386
Douglas$1,392
Coffman Cove$1,396
Ward Cove$1,396
Juneau$1,405
Wrangell$1,405
Angoon$1,406
Meyers Chuck$1,410
Point Baker$1,411
Thorne Bay$1,411

Explore the top 10 factors that influence car insurance rates

How much can you save on auto insurance in Alaska?

By comparing car insurance quotes, you can save an average of 21% per year for a full coverage policy in Alaska. 

While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.

Car insurance discounts in Alaska: Save on premiums

Alaska drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.

Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.

Below, find common auto insurance discounts available in Alaska.

Discount Type% Difference$ Difference
Anti-theft device2%$26
Daily commute6%$134
Days advanced purchase7%$180
Education2%$39
Electronic funds transfer5%$104
Electronic signature8%$169
Homeowner3%$65
Lower annual mileage5%$78
Loyalty – years renewal with company9%$155
Marital status9%$181
Multi policy8%$165
Paperless/electornic documents1%$18
Payment type13%$300
Primary use14%$241
Safety devices4%$78
Telematics10%$203
Years insured14%$344
Years licensed25%$674

Final thoughts on cheap car insurance in Alaska

Based on our findings, Geico provides the cheapest rates for a full coverage policy in Alaska if you have a good driving record.

We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.

To get cheap car insurance in Alaska, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.

Resources & Methodology

Methodology

CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Alaska for three different coverage levels:

  • Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
  • Liability-only with limits 50/100/50.
  • State-minimum car insurance limits of 50/100/25.

The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.

Violations:

Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket. 

Discounts:

Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes. 

The rates are for comparison purposes only and your exact rates may vary.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.