- 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%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,338 per year.
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 car insurance works in Alaska and how much you need.
How much is car insurance in Alaska?
In Alaska, drivers pay an average of $140 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other 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
Car insurance costs in Alaska can differ based on the coverage limit. To legally drive, Alaska residents must adhere to the minimum liability limits of 50/100/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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 are the Alaska car insurance costs for three 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
Alaska’s car insurance laws require a minimum coverage of $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $25,000 in 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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Alaska
Liability-only car insurance costs $508 in Alaska for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Alaska
In Alaska, you can expect to pay around $1,676 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Alaska
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Alaska pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Alaska
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Alaska pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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 ( Full - 100/300/100)
Estimate car insurance in Alaska by car model
Car insurers in Alaska use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
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.
See how much you’ll pay for car insurance for your specific 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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Alaska drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Alaska can increase your premiums by up to 44% because insurers see you as a risky 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 is how much your car insurance rate increases in Alaska after driving incidents:
- Speeding ticket: Up to 31% increase
- DUI conviction: 44% increase
- At-fault accident (bodily injury and property damage): 46% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Alaska for high-risk drivers
In Alaska, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet 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
Drivers in Alaska can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
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 the priciest city in Alaska for car insurance, costing an average of $1,950 annually. On the other hand, Ketchikan is the most affordable city, where drivers pay an average of $1,386 per year for car insurance.
Car insurance premiums differ across cities in Alaska and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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?
In Alaska, a full coverage car insurance policy with 100/300/100 limits typically costs about $140 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and 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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