- The average cost of car insurance in Alaska is $2,167 a year or $181 per month, based on our data analysis.
- Minimum liability coverage in Alaska costs around $681 annually for limits of 50/100/25, while liability-only coverage costs $700 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Alaska, costing $1,831 per year.
- In Alaska, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 34%, a DUI raising rates by 45%, and an at-fault accident by up to 54%.
Car insurance costs in Alaska vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. GEICO offers the cheapest annual rates for full coverage car insurance in Alaska at $1,831 annually.
This comprehensive guide to buying car insurance for Alaska drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Alaska works and how much insurance you need.
How much is car insurance in Alaska?
In Alaska, drivers pay an average of $181 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 $540 a month or $6,480 a year.
- Young drivers in their 20s pay an average of $292 monthly or $3,504 annually, for car insurance.
- Senior drivers pay around $184 monthly or $2,203 a year.
- A speeding ticket can increase your rates to $242 monthly or $2,904 annually.
- An at-fault accident increases car insurance rates to $277 a month or $3,329 a year.
- Poor credit drivers usually see their car insurance costs increase to $365 monthly or $4,385 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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Alaska for three different coverages.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $57 | $681 |
| Liability Only – 50/100/50 BI/PD | $58 | $700 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $181 | $2,167 |
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 coverage in Alaska costs $681 a year but doesn’t provide much protection for drivers. Alaska drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Alaska must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Alaska
Liability-only car insurance costs $700 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 $2,167 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
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Alaska have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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!
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Alaska drivers aged 30 to 60 have the lowest average auto insurance rates at $2,076 annually.
Drivers aged 16-19 pay $4,404 more for car insurance than Alaska drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,480 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,333 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,076 annually in Alaska.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,203 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 45% 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 34% 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 34% increase
- DUI conviction: 45% increase
- At-fault accident (bodily injury and property damage): 54% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Alaska for high-risk drivers
High-risk drivers in Alaska pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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 | $506 | $513 | $1,831 |
| Progressive | $716 | $721 | $1,832 |
| Allstate | $568 | $573 | $2,354 |
| State Farm | $1,002 | $1,052 | $2,548 |
| Western National Insurance | $945 | $982 | $2,928 |
| USAA | $366 | $374 | $1,572 |
Car insurance rates by city in Alaska
Palmer is the priciest city in Alaska for car insurance, costing an average of $2,375 annually. On the other hand, Juneau is the most affordable city, where drivers pay an average of $1,799 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?
The average cost of a full-coverage car insurance policy in Alaska costs $181 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $57 |
| Liability Only – 50/100/50 BI/PD | $58 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $181 |
Final thoughts on choosing car insurance in Alaska
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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