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Compare car insurance in Alaska

Get the cheapest car insurance in Alaska for 2020

Updated

Fact checked

If you plan to drive in Alaska, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Alaska’s average annual car insurance cost of around $1,560.

Alaska

Car insurance quick facts

50/100/25

Minimum liability requirements

$1,560

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.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

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Compare Alaska car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
Farmers
15%
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
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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.

Average car insurance costs 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 car insurance 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.

SR-22 in Alaska

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.

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Frequently asked questions about car insurance in Alaska

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