Car insurance premiums in Alaska can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Alaska by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Alaska
The Honda HR-V and Mini Cooper Electric are the cheapest vehicles to insure in Alaska, closely followed by the Subaru Forester and Chevrolet TrailBlazer, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Alaska and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $868 |
| Mini Cooper Electric | $868 |
| Subaru Forester | $896 |
| Chevrolet TrailBlazer | $898 |
| Volkswagen Taos | $903 |
| Mini Cooper Countryman JCW | $913 |
| Kia Niro EV | $918 |
| Mazda CX-5 | $920 |
| Honda CR-V | $920 |
| Volkswagen Tiguan | $924 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Alaska
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Alaska
Our data shows that Subaru Legacy is the most affordable sedan to insure in Alaska. Its average six-month full coverage cost is $1,041 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Civic Sedan takes the second spot at $1,067, while the Volkswagen Jetta comes in third with an average cost of $1,079.
The table below shows the cheapest sedans to insure in Alaska and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,041 |
| Honda Civic Sedan | $1,067 |
| Volkswagen Jetta | $1,079 |
| Nissan Versa | $1,090 |
| Volkswagen Jetta GLI | $1,122 |
| Nissan Sentra | $1,129 |
| Mazda 3 Sedan | $1,135 |
| Toyota Corolla | $1,139 |
| Honda Accord | $1,140 |
| Kia Forte | $1,148 |
| Toyota Camry | $1,150 |
| Mitsubishi Mirage G4 | $1,196 |
| Chevrolet Malibu | $1,206 |
| Hyundai Elantra | $1,209 |
| Nissan Altima | $1,222 |
| Hyundai Sonata | $1,234 |
| Kia K5 | $1,314 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Alaska
The Honda HR-V and Subaru Forester have the lowest car insurance rates, at $868 and $896, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $868 |
| Subaru Forester | $896 |
| Chevrolet TrailBlazer | $898 |
| Volkswagen Taos | $903 |
| Mazda CX-5 | $920 |
| Honda CR-V | $920 |
| Volkswagen Tiguan | $924 |
| Mazda CX-30 | $924 |
| Subaru Crosstrek | $930 |
| Kia Seltos | $952 |
| Hyundai Kona | $955 |
| Toyota Corolla Cross | $960 |
| Hyundai Tucson | $961 |
| Mini Cooper Countryman | $965 |
| Ford Escape | $968 |
| Chevrolet Equinox | $992 |
| Toyota RAV4 | $995 |
| Honda Pilot | $996 |
| Buick Encore GX | $1,008 |
| Honda Passport | $1,008 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Alaska
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,048.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,048 |
| Honda Civic Si | $1,093 |
| Subaru BRZ | $1,211 |
| Chevrolet Camaro | $1,224 |
| Honda Civic Type R | $1,292 |
| Subaru WRX | $1,311 |
| Ford Mustang | $1,319 |
| Porsche 718 Boxster | $1,343 |
| Toyota GR86 | $1,346 |
| BMW Z4 | $1,443 |
| Chevrolet Camaro ZL1 | $1,449 |
| Porsche 718 Cayman | $1,464 |
| Nissan Z | $1,483 |
| Chevrolet Corvette | $1,483 |
| Toyota GR Supra | $1,512 |
| Toyota GR Corolla | $1,515 |
| Jaguar F-Type | $1,661 |
| Chevrolet Corvette Z06 | $1,793 |
| Porsche 911 | $1,835 |
| Porsche 911 Turbo | $1,914 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Alaska
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $986 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,016) and Mercedes-Benz GLA-Class ($1,032).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $986 |
| Volvo XC40 | $1,016 |
| Mercedes-Benz GLA-Class | $1,032 |
| Audi Q3 | $1,092 |
| Acura MDX | $1,106 |
| Cadillac XT4 | $1,107 |
| Mercedes-Benz GLB-Class | $1,120 |
| Jaguar E-Pace | $1,130 |
| BMW X3 | $1,144 |
| BMW X2 | $1,155 |
| Cadillac XT5 | $1,165 |
| Lincoln Corsair | $1,169 |
| Acura Integra | $1,170 |
| Mercedes-Benz GLC-Class Coupe | $1,170 |
| Mercedes-Benz GLC-Class | $1,171 |
| Lincoln Nautilus | $1,174 |
| Volvo XC60 | $1,175 |
| Lexus RX | $1,195 |
| Audi Q7 | $1,206 |
| Porsche Macan | $1,211 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Alaska
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $2,632 a year or $219 a month.
Below is a list of the most affordable EVs to insure in Alaska for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $868 |
| Kia Niro EV | $918 |
| Volkswagen ID.4 | $943 |
| Hyundai Kona Electric | $953 |
| Subaru Solterra | $1,057 |
| Jaguar I-Pace | $1,065 |
| Volvo XC40 Recharge | $1,071 |
| Nissan Leaf | $1,122 |
| Audi Q4 e-tron | $1,146 |
| Chevrolet Blazer EV | $1,147 |
| Ford F-150 Lightning | $1,157 |
| Kia EV6 | $1,163 |
| Volvo C40 Recharge | $1,166 |
| Hyundai Ioniq 5 | $1,167 |
| Ford Mustang Mach-E | $1,185 |
| Chevrolet Silverado EV | $1,186 |
| Hyundai Ioniq 6 | $1,203 |
| Toyota bZ4X | $1,215 |
| Kia EV9 | $1,260 |
| Mercedes-Benz EQB | $1,264 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Alaska
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,637 to insure a Subaru Forester, while insuring a Honda HR-V costs $2,642 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Alaska?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $868 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $918, according to our analysis.
Which SUVs are the cheapest to insure in Alaska?
The Honda HR-V is one of the cheapest SUVs to insure in Alaska, with an average cost of $868 for a six-month car insurance plan. The Subaru Forester and Chevrolet TrailBlazer also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Alaska?
The Subaru Forester, Honda HR-V, Volkswagen Taos and Chevrolet TrailBlazer are some of the cheapest cars to insure for 18-year-olds in Alaska. However, insuring models such as the Maserati Ghibli, Maserati Quattroporte and Audi RS7 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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