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.
- 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.
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
| 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.
You might also be interested in
- Non-owner car insurance in Alaska: Find affordable rates
- Liability insurance for Alaska drivers
- Minimum car insurance requirements in Alaska
- Alaska car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Alaska?
- Car insurance for high-risk drivers in Alaska
- Cheap car insurance for seniors in Alaska
- Car insurance discounts in Alaska; 12% potential savings
- How much does car insurance cost in Alaska?
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 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
Below, you’ll see average annual rates for major insurance providers in Alaska, ranked from cheapest to most expensive for state minimum coverage.
| 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 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.
| 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 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.
| 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.
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.
| 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.
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 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 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.
| 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
Please enter the correct format
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 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.
| 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 |
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 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 |
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
Leslie Kasperowicz
Executive 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.
Ask the Insurance Expert
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.