The cost of car insurance in Alaska varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,338 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Alaska. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Alaska works and how much insurance you need.
- The average cost of car insurance in Alaska is $1,676 a year or $140 per month, based on our data analysis.
- Minimum liability coverage in Alaska costs around $398 annually for limits of 50/100/25, while liability-only coverage costs $508 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Alaska, costing $1,338 per year.
- In Alaska, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 31%, a DUI raising rates by 44%, and an at-fault accident by up to 46%.
How much is car insurance in Alaska?
According to CarInsurance.com data, drivers in Alaska pay about $140 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Alaska based on driver profile:
- Teen drivers in Alaska pay the most — about $429 a month or $5,151 a year.
- Young drivers in their 20s pay an average of $224 monthly or $2,688 annually, for car insurance.
- Senior drivers pay around $144 monthly or $1,728 a year.
- A speeding ticket can increase your rates to $185 monthly or $2,223 annually.
- An at-fault accident increases car insurance rates to $209 a month or $2,506 a year.
- Poor credit drivers usually see their car insurance costs increase to $281 monthly or $3,374 annually.
Average cost of auto insurance in Alaska by coverage level
In Alaska, the cost of car insurance can vary depending on how much coverage you purchase. Alaska drivers need at least the minimum insurance coverage limits of 50/100/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Alaska. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Alaska for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $33 | $398 |
| Liability Only – 50/100/50 BI/PD | $42 | $508 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 | $1,676 |
State minimum car insurance in Alaska
In Alaska, minimum car insurance requirements include $50,000 of bodily injury liability per person, $100,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum car insurance cost in Alaska is $398 a year. However, this basic coverage only offers limited protection. Alaska drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Alaska must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Alaska
The average cost of liability-only insurance in Alaska is $508 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Alaska
On average, premiums for full coverage car insurance in Alaska cost $1,676 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Alaska
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Alaska have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Alaska
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Alaska by car model
In Alaska, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Alaska.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Alaska
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Alaska, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,622 annually.
Car insurance for drivers aged 16-19 costs $3,529 more annually than Alaska drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,151 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,562 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,622 per year in Alaska.
- For senior drivers: Drivers age 65 and older can expect to pay $1,728 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Alaska
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Alaska, a DUI conviction lead to increased rates and you may see a rate hike of up to 44% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Alaska, you’ll likely see an increase in your car insurance premium by up to 31% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Alaska following driving incidents:
- Speeding ticket: Up to 31% increase
- DUI conviction: 44% increase
- At-fault accident (bodily injury and property damage): 46% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Alaska for high-risk drivers
In Alaska, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Alaska
In Alaska, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Alaska by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Alaska and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $384 | $477 | $1,338 |
| State Farm | $376 | $461 | $1,713 |
| Progressive | $672 | $865 | $1,742 |
| Western National Mutual | $381 | $503 | $1,984 |
| Allstate | $324 | $405 | $2,114 |
| USAA | $251 | $335 | $1,166 |
Car insurance rates by city in Alaska
Anchorage is Alaska’s most expensive city for car insurance at an average cost of $1,950 annually. Ketchikan is the state’s least expensive city, with an average car insurance rate of $1,386 annually.
Car insurance costs differ from city to city in Alaska, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Alaska’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Alaska per month?
Car insurance in Alaska costs an average of $140 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $33 |
| Liability Only – 50/100/50 BI/PD | $42 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 |
Final thoughts on choosing car insurance in Alaska
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Alaska.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Alaska. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 50/100/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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