Compare car insurance rates in Alaska | finder.com

Cheap car insurance in Alaska

How to get the best auto insurance in Alaska

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Alaska

Car insurance quick facts

50/100/25

Minimum liability requirements

$1560

Average annual car insurance cost

10

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Alaska car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$140,99229.0%
USAA$88,64518.2%
Geico$87,88818.1%
Allstate$59,97412.3%
Progressive$50,26910.3%
Liberty Mutual$17,8033.7%
COUNTRY Financial$14,8943.1%
Hartford$10,1022.1%
Western National$5,1841.1%
Horace Mann$4,5880.9%

What’s the average cost for car insurance in Alaska?

Alaska falls slightly below the national average for average car insurance costs, and you can expect to pay as little as $70 a month or as much as $130, depending on your provider and what kind of coverage you need.

However, finding a reliable average for auto insurance rates is difficult because these rates are so likely to vary from one person to the next. How much you’ll pay for car insurance in Alaska — or in nearly any state — is affected by your age, your driving record, your credit score, the type of car you drive and the provider you choose to go with.

Cheapest car insurance in Alaska

CompanyAverage annual rateLearn more
Western National$662
State Farm$709
USAA$888
Allstate$1,021
Geico$1,101
Progressive$1,532

Which city has the cheapest car insurance in Alaska?

Of Alaska’s largest cities, Juneau has the cheapest rates and Anchorage has the most expensive car insurance rates. Anchorage drivers could face rates 3 times more than Juneau drivers.

Car insurance quotes in Anchorage

CompanyAnnual car insurance rate
Allstate$1044
Progressive$1506
Geico$969
State Farm$843
USAA$916

Car insurance quotes in Wasilla

CompanyAnnual car insurance rate
Allstate$875
Progressive$984
Geico$969
State Farm$843
USAA$848

Car insurance quotes in Eagle River

CompanyAnnual car insurance rate
Allstate$981
Progressive$1171
Geico$969
State Farm$843
USAA$912

Car insurance quotes in Palmer

CompanyAnnual car insurance rate
Allstate$875
Progressive$1073
Geico$969
State Farm$843
USAA$836

Car insurance quotes in Juneau

CompanyAnnual car insurance rate
Allstate$632
Progressive$685
Geico$599
State Farm$570
USAA$636

State minimum requirements in Alaska

State minimum requirements for car insurance vary by state. To fulfill car insurance laws in Alaska, you must carry liability insurance that includes at least:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

When shopping for car insurance, you may see these liability limits written as 50/100/25.

While a few states mandate that its drivers carry uninsured/underinsured (UM/UIM) motorist coverage — which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by an car insurance policy — Alaska doesn’t require it.

Are there any areas of remote Alaska where I won’t need car insurance?

Yes. In general, insurance is not required in areas where the state doesn’t require registration. These areas tend to be remote areas of the state, and the risk of an accident with another vehicle in those areas is so low.

If you aren’t able to get car insurance on your own, the state offers the Alaska Automobile Insurance Plan. AAIP assigns you a provider, with risks shared among companies writing policies within the state.

Nearly all states require registered drivers to carry specified minimum liability insurance. And if you’re financing or leasing your car, you could be required to buy additional collision and comprehensive coverage as part of your finance agreement.

Can I get SR-22 insurance in Alaska?

Yes you can, and you may be required to file an SR-22 in Alaska if you meet certain conditions. Drivers who are required to file SR-22 forms typically have been convicted of DUI or DWI, or they’ve accumulated enough violation points on their record to have the court demand an SR-22 form.

The SR-22 itself doesn’t cost much to file; typically the filing charge is less than $20, and the form simply serves to prove to the state that you’re carrying the legal minimum for auto insurance.

Car insurance for high-risk drivers in Alaska

Can’t find a company that will cover you for a reasonable rate? Even if you’ve been denied coverage because you’re considered a high-risk driver, you can get covered with Western Association of Automobile Insurance Plans (WAAIP).

With WAAIP, you’re assigned an affordable provider. Any risks you pose to the provider are spread across the network, so you can get the coverage you need.

Bottom line

Unless you’re in a rural area, you’ll need to purchase liability insurance to legally drive in Alaska. Research your insurance options to find the most affordable coverage for your needs when driving in Alaska.

Get the cheapest quotes

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Frequently asked questions about car insurance in Alaska

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