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Car Insurance in Alaska: 2026 Rates & Guide

Alaska is a mid-range state for car insurance. The average driver pays $88/month ($1056/year). Here's how to find the best rate for your situation.

$88

Avg Monthly

$1056

Avg Annual

#43

Cost Rank (1=priciest)

$66

Cheapest Option/mo

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Cheapest Car Insurance Companies in Alaska (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Alaska — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$66/mo4.4Get Quote
2
GEICO
$70/mo4.2Get Quote
3
Progressive
$78/mo4Get Quote
4
Allstate
$82/mo3.9Get Quote
5
USAA
$58/mo4.9Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Alaska Car Insurance Requirements

Minimum Coverage: 50/100/25

Alaska is an at-fault state. The driver who causes an accident is financially responsible.

Alaska Insurance Facts

Alaska has some of the highest liability minimums in the US (50/100/25) but still achieves below-average overall premiums.
Extreme weather, moose collisions, and icy roads are the primary hazards for Alaska drivers.
Anchorage has higher premiums than rural Alaska — limited road networks mean accidents often involve higher repair and recovery costs.

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How to Get Cheaper Car Insurance in Alaska

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Alaska — FAQs

What is the average cost of car insurance in Alaska?
The average car insurance cost in Alaska is $88 per month ($1056 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Alaska?
Alaska requires minimum liability coverage of 50/100/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Alaska?
Based on our research, State Farm offers the lowest average rate in Alaska at around $66/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Alaska a no-fault car insurance state?
No, Alaska is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Alaska?
The most effective ways to lower your car insurance in Alaska include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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