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Compare car insurance in Alaska

Get the cheapest car insurance in Alaska for 2021

The average annual cost of car insurance in Alaska is $1,560. Narrow down car insurers offering coverage in Alaska by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Most popular Alaska auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$140,99229.0%
Liberty Mutual$17,8033.7%
COUNTRY Financial$14,8943.1%
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$709Get a quote
USAA$888Get a quoteRead review
Allstate$1,021Get a quoteRead review
Geico$1,101Get a quoteRead review
Progressive$1,532Get a quoteRead review

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
State Farm$843

Car insurance quotes in Wasilla

CompanyAnnual car insurance rate
State Farm$843

Car insurance quotes in Eagle River

CompanyAnnual car insurance rate
State Farm$843

Car insurance quotes in Palmer

CompanyAnnual car insurance rate
State Farm$843

Car insurance quotes in Juneau

CompanyAnnual car insurance rate
State Farm$570

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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