You can find the cheapest full-coverage car insurance in Alaska for $111 a month from Geico. It saves you $29 compared to the state average car insurance cost of $140 monthly.
Shopping for car insurance in Alaska can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- Among the companies analyzed by CarInsurance.com, Geico stands out as the cheapest option for full coverage car insurance in Alaska, with an insurance premium of $111 per month.
- Drivers in Alaska with a clean record pay 31% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Alaska is Ketchikan, with an annual premium of $1,386 .
- Alaska drivers can save up to 21% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Alaska?
Geico offers the cheapest car insurance rates in Alaska for a full coverage policy with an average premium of $111 per month or around $1,338 per year, based on CarInsurance.com’s rate analysis.
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
| Company | Full 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.
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Who pays a lower insurance premium in Alaska?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- Alaska drivers with clean records pay 31% less than drivers who have a DUI on their record.
- 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 companies for different coverage levels in Alaska
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Alaska
In Alaska, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum 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
The following table lists Alaska’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State 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 Alaska insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
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.
| Company | Liability 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 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.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below lists major insurance providers in Alaska based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full 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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Alaska, drivers with a history of such violations typically pay $503 more annually than drivers with clean records.
Cheap car insurance rates in Alaska after a speeding ticket
If you’ve got a speeding ticket on your Alaska driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,372 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Alaska.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,262 | $1,372 | 9% | $109 |
| Progressive | $1,159 | $1,465 | 26% | $306 |
| Geico | $1,135 | $2,064 | 82% | $929 |
| Allstate | $1,881 | $2,218 | 18% | $337 |
| USAA* | $1,002 | $1,292 | 29% | $290 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Alaska
CarInsurance.com analyzed insurance rates for Alaska drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $1,362 . State Farm is the second-cheapest insurer at an average of $1,372 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 31% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Progressive | $1,159 | $1,362 | 18% | $203 |
| State Farm | $1,262 | $1,372 | 9% | $109 |
| Geico | $1,135 | $2,077 | 83% | $942 |
| Allstate | $1,881 | $2,604 | 38% | $723 |
| USAA* | $1,002 | $1,852 | 85% | $851 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates 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 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,262 | $1,480 | 17% | $218 |
| Geico | $1,135 | $1,815 | 60% | $680 |
| Progressive | $1,159 | $1,872 | 61% | $713 |
| Allstate | $1,881 | $2,731 | 45% | $850 |
| USAA* | $1,002 | $1,500 | 50% | $499 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Alaska
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
Ketchikan is the city with the lowest premiums in Alaska at an annual auto insurance rate of $1,386 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Alaska with the most affordable car insurance rates.
| City | Full 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 |
Learn about the 10 most important factors that affect 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.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
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 device | 2% | $26 |
| Daily commute | 6% | $134 |
| Days advanced purchase | 7% | $180 |
| Education | 2% | $39 |
| Electronic funds transfer | 5% | $104 |
| Electronic signature | 8% | $169 |
| Homeowner | 3% | $65 |
| Lower annual mileage | 5% | $78 |
| Loyalty – years renewal with company | 9% | $155 |
| Marital status | 9% | $181 |
| Multi policy | 8% | $165 |
| Paperless/electornic documents | 1% | $18 |
| Payment type | 13% | $300 |
| Primary use | 14% | $241 |
| Safety devices | 4% | $78 |
| Telematics | 10% | $203 |
| Years insured | 14% | $344 |
| Years licensed | 25% | $674 |
The bottom line on cheap auto insurance in Alaska
Based on our research, if you are a good driver, Geico is the cheapest in Alaska for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Alaska is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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.
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Leslie Kasperowicz
Managing Editor
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.
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Nupur Gambhir
Managing Editor
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.