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Compare car insurance in Alaska

Get the cheapest car insurance in Alaska for 2022

Alaskan drivers pay an average of $1,111.07 per year or about $93 per month, according to the National Association of Insurance Commissioners (NAIC). This cost falls slightly below the national average of $1,190 per year.

However, how much you pay is affected by your age, driving record, the car you drive and the insurance company, among other factors. Plus, NAIC’s average takes in to account policies with both state minimum coverage as well as higher coverage like comprehensive and collision. Your rate will look different based on the coverage you choose.

Alaska car insurance quick facts

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Minimum liability requirements

50/20/25

Average annual car insurance cost according to the NAIC

$1,111.07

At-fault state

In at-fault states, the driver at fault pays for damages after an accident.

State minimum car insurance requirements in Alaska

To meet car insurance laws in Alaska, you need to carry a minimum of 50/100/25 in liability insurance. These amounts are your coverage limits, and they show the maximum amount that your insurance will pay for different kinds of damage.

Let’s look in detail at what Alaska’s state minimum coverage requires.

    Bodily Injury Liability

    Bodily injury liability

    • $50,000 for injuries to one person
    • $100,000 for injuries to two or more people

    For bodily injuries that you cause in an accident, Alaska requires you to carry 50/100, which pays up to $50,000 for injuries to one person and $100,000 total if you injure more than one person. These limits are higher than what most states require, giving you ample protection for most car accidents.

    Property damage liability

    Property damage liability

    • $25,000 in property damage liability

    Alaska requires at least $25,000 to pay for property damage, which includes the other driver’s car or personal property like a phone, car seats or cargo. Although you see this limit across many states, it offers low protection in a car accident.

    Are there any areas of 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 tend to be remote areas where the risk of an accident with another car is so low.

    If you need car insurance but don’t qualify on your own, the state offers the Alaska Automobile Insurance Plan. AAIP assigns you an insurance company that shares accident risks among companies offering policies in the state.

    Finder tip: Alaska’s state minimum coverage isn’t enough

    Alaska has high insurance requirements for bodily injury liability, but its state minimum coverage still doesn’t offer ample protection for some accidents. For example, if you total someone else’s car that’s worth $40,000, state minimum coverage would pay up to $25,000.

    And opting for no insurance in remote areas means that you bear all the responsibility to pay for damage or injuries, whether the damage affects you or someone else. To avoid paying for damage out of pocket, try raising the liability limits and adding optional coverage if your budget allows.

    7 factors that affect car insurance rates in Alaska

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Alaskan’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
    Gender

    Gender

    Alaska takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
    Location

    Location

    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    Alaska vehicle theft rates stand at 269.3 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well above the national average of 246 vehicle thefts per 100,000 inhabitants.

    As for uninsured drivers, 16.1% of Alaskans on the road are uninsured. That’s more than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Alaskans drive an average of 31.9 miles per day, that’s below the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

    Alaska drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Illinois can increase your rate by around 80%. These types of violations typically stay on your record for about three years.

    Can I get SR-22 insurance in Alaska?

    In Alaska, you may need an SR-22 form filed with the DMV to prove that you meet the state’s insurance requirements. You typically need this form after having your license suspended or revoked. The state may require the SR-22 for at least three years. However, Alaska keeps some of the longest SR-22 requirements in the US for repeat DWI offenders.

    Coverage that we recommend in Alaska

    The point of car insurance is to protect you financially if you have major accident-related expenses. However, Alaska’s car insurance requirements don’t cover some common accidents. If the extra cost fits in your budget, consider these options.

    Collision coverage is valuable for most Alaskans

    Collision coverage focuses on your own protection if you hit another car or run off the road, damaging your car. This add-on helps you recover faster than if you paid out of pocket for car repairs.

    Let’s say that you run off the road and hit a tree, leading to $1,500 of car damage. Alaskans pay around $32 per month for collision coverage, based on the NAIC’s average. It would take you nearly four years of saving your monthly premium to pay for this $1,500 repair on your own. Keeping collision coverage means that you can pay for this repair and stay protected against other accidents.

    Consider this coverage if . . .

    • You drive a lot and rely on your car.
    • You have an auto loan, and it requires full coverage.
    • You don’t have the savings to pay for car repairs.

    Comprehensive coverage helps with theft and harsh weather

    In Alaska, you have to steer clear of theft and incidents from ice, snowstorms or volcanoes. In case of these damages, you may want comprehensive coverage to help you recover from the unexpected. This “other-than-collision” coverage pays for many types of damage, including theft, vandalism, severe weather damage or a cracked windshield.

    Consider this coverage if . . .

    • Your auto loan requires it.
    • You can’t pay for major car repairs on your own.
    • You live in an area known for theft or crime.
    • You live in a rural part of Alaska with large wildlife.
    • Your area sees harsh weather.

    Roadside assistance for peace of mind

    Staying prepared is part of life in this frosty state, especially keeping yourself from getting stranded if your car breaks down. Ask your insurance agent about how roadside assistance works in your area. This coverage can give you peace of mind and a handy phone number for jumpstarting your battery, towing your car and more.

    Consider this coverage if . . .

    • You rely on your car to get around.
    • You put many miles on your car.
    • Your new or used car warranty doesn’t include roadside assistance.

    Prep for uninsured or underinsured drivers

    Across the state, you may bump into more uninsured drivers than you would in other states, and remote areas may not be required to carry car insurance. Stay prepared with uninsured or underinsured motorist coverage in case another driver hits you but can’t pay for the damage. Since this coverage is optional in Alaska, you’ll need to add it to your policy.

    Consider this coverage if . . .

    • You couldn’t pay for your own car repairs.
    • You don’t have health insurance.
    • Your health insurance has a high deductible or copays.

    Top 10 auto insurance companies in USA that serve Alaska

    We’ve pulled the top 10 companies by market share that offer coverage in Alaska, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

    • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
    • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
    • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
    • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Get Quotes
    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    Get Quotes
    Travelers
    A+
    820/1000
    3.28
    2

    ★★★★★ 4/5

    Read review

    The Hartford
    A+
    833/1000
    NR
    0.7

    ★★★★★ 3.5/5

    Read review

    Amica
    A+
    867/1000
    1.96
    0.5

    ★★★★★ 4/5

    Read review

    Cheap car insurance in Alaska

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

    Compare car insurance providers in Alaska

    Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
    Allstate
    Yes
    Yes
    Drivewise
    Yes
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

    Speak to an agent: 877-526-1527

    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    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.
    Pretected
    Yes
    Depends on provider
    No
    No
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    Root
    No
    Yes
    Telematics only
    Yes
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
    The AARP Auto Insurance Program from the Hartford
    Yes
    Yes
    TrueLane®
    No
    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.
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Branch
    Yes
    No
    Yes
    Yes
    AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
    Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.

    Speak to an agent: 877-336-0538

    Nationwide
    Yes
    No
    Yes
    Yes
    All states except AK, HI, LA, MA
    Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
    Savvy
    Yes
    Depends on provider
    No
    Yes
    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.
    Sigo Seguros
    Sigo Seguros
    No
    Yes
    No
    Yes
    Texas
    Sigo Seguors is an online-based car insurance company catering to the Spanish-speaking community. Texans can get a free quote and sign up online in minutes.
    AAA
    Yes
    Yes
    No
    Yes
    AK, AZ, CA, MT, NV, UT and WY
    Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
    Elephant
    loan/lease coverage
    Yes
    No
    No
    GA, IL, IN, MD, OH, TN, TX, VA
    Get a great deal online with steep discounts and some of the highest liability limits available.
    State Farm
    No
    Yes
    Drive Safe and Save
    Yes
    All 50 states
    Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

    Speak to an agent: 877-745-0232

    Allied
    Yes
    Yes
    Nationwide SmartRide
    No
    AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
    Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
    Assurance
    Yes
    Yes
    No
    Yes
    All states except AK & HI
    This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
    loading

    Compare up to 4 providers

    In Alaska, the driver at fault pays for damage

    Alaska is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.

    However, Alaska also considers whether both drivers are partially at fault under its pure comparative fault, according to the legal website Nolo. Under this law, both drivers pay for the share of damage that they cause.

    For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s damages. The other driver’s insurance also pays 20% of your damages.

    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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