Who Has the Cheapest Car Insurance Quotes in Alaska?

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The average cost of a minimum-coverage car insurance policy in Alaska is $485 per year, or about $40 per month. For a full-coverage auto insurance policy in Alaska, the average cost is $1,502 per year, or about $125 per month.

Enter your ZIP code above now to compare cheap auto insurance rates from Alaska insurers in your area.

Cheapest car insurance companies in Alaska

The cheapest minimum-coverage car insurance quotes in Alaska are offered by:

  • GEICO
  • State Farm
This graph shows the two cheapest auto insurance companies in Alaska compared to the state average.
This graph shows the two cheapest auto insurance companies in Alaska compared to the state average.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
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These two auto insurers have average car insurance rates of $437 per year, or about $36 per month — which is 10% cheaper than the Alaska average.

The auto insurance companies with the most expensive minimum-coverage quotes in Alaska were:

  • Progressive
  • Umialik

In Alaska, these companies had an average annual quote of $627, or 29% more than the state average.

RankInsurerCar insurance quote
1GEICO$406
2State Farm$468
3Allstate$491
4Umialik$508
5Progressive$746
N/AUSAA$294

Minimum-coverage auto insurance policies meet Alaska's minimum state legal requirements. Unlike full-coverage policies, minimum coverage doesn't include comprehensive and collision insurance. Collision and comprehensive insurance protects your car from damage as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault.

Although minimum coverage costs less, you might not have enough protection after an accident because you have less liability coverage and you forgo comprehensive and collision coverage.

The average difference in cost between full- and minimum-coverage car insurance in Alaska is $1,016 per year, or $85 per month.

How much is full-coverage auto insurance in Alaska?

The cheapest full-coverage auto insurance companies in Alaska were:

  • State Farm: $1,252
  • GEICO: $1,387

These two carriers were the most affordable in Alaska for full coverage, offering quotes of $1,320 on average, or 12% less than the state average of $1,502.

The insurance companies with the most expensive auto quotes for full coverage in Alaska were:

  • Allstate: $1,944
  • Progressive: $1,782

Comprehensive and collision coverages are included in full-coverage policies.

Cheapest full-coverage auto insurance in Alaska with a prior accident

Alaska drivers with an accident on their driving records may be able to find cheap full-coverage car insurance quotes at Umialik and State Farm.

These two insurers offer average annual rates of $1,471 per year, 27% cheaper than the Alaska average of $2,013 for full-coverage policies with a prior accident history.

RankInsurerQuote before accidentQuote after accidentDifference
1Umialik$1,450$1,450$0
2State Farm$1,252$1,492$240
3GEICO$1,387$2,003$616
4Progressive$1,782$2,581$799
5Allstate$1,944$2,890$947
N/AUSAA$1,194$1,661$467
Quotes are for an at-fault accident causing $2,000 worth of property damage.

Umialik distinguished itself by not charging higher rates for Alaska drivers with a previous at-fault accident causing $2,000 worth of property damage.

Having just one accident on your driving record can increase your auto insurance quotes substantially.

The annual difference in car insurance quotes in Alaska for a full-coverage policy with no accident history versus a plan with one accident was $511.

Accident historyAnnual rate
No accidents$1,502
One accident$2,013

Best car insurance companies in Alaska

Customer service and reviews are an important part of evaluating the quality of a car insurance policy. The best auto insurance companies in Alaska included in our study analysis are:

  • Umialik
  • State Farm
  • Allstate

The top-rated car insurance companies in Alaska, based on a measure of customer satisfaction known as the Complaint Index, were not always the cheapest in our analysis. Customers filed fewer complaints with these insurers than others relative to their market share.

RankInsurerComplaint Index
1Umialik0.00
2Country0.11
3Liberty Mutual (Safeco)0.49
4State Farm0.57
5Allstate0.69
6USAA0.84
7Progressive0.91
8GEICO0.92
9Horace Mann0.94
10Hartford1.23

The list above includes the top companies in Alaska ranked by their Complaint Index, which measures how many complaints a company gets compared to the average insurer in the state. Complaint data was drawn from the National Association of Insurance Commissioners (NAIC).

The lower the number, the fewer complaints the insurer received relative to expectations for a company of its size.

Alaska auto insurance coverage requirements

Anyone who owns a car that is registered in Alaska is required to carry car insurance coverage. Liability insurance — which covers damage to other people and their property that you may cause in an accident — is mandatory.

Below, we break down the minimum requirements for each policy type.

Liability coverageMinimum requirements
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident

With minimum coverage, drivers can reduce the cost of their policies. However, we recommend Alaska drivers consider higher liability limits as well as comprehensive and collision coverage. Minimum-coverage plans may not be enough to fully cover the cost of damage in an expensive accident.

Cheap car insurance in Alaska by city

The best car insurance quotes in Alaska differ depending on where you live. Typically, however, the cheapest auto insurers in Alaska cities for a full-coverage policy are:

  • State Farm
  • GEICO
  • Umialik

Current or former members of the U.S. armed forces and their family members may qualify for even lower car insurance rates with USAA, which only provides policies to these customers.

Your actual rates will differ based on factors such as past driving history, your vehicle, discount eligibility and the amount of liability coverage you need.

Here is a list of cheap car insurance companies in Alaska's largest cities with their annual quotes for a full-coverage policy.

CityInsurerCar insurance quote
AkutanState Farm$1,182
GEICO$1,397
Umialik$1,927
AlakanukState Farm$1,182
GEICO$1,397
Umialik$1,913
AnchorageGEICO$1,484
State Farm$1,634
Umialik$1,912
BethelState Farm$1,182
GEICO$1,397
Umialik$1,436
ChevakState Farm$1,182
GEICO$1,397
Umialik$1,436
CordovaUmialik$1,104
State Farm$1,302
GEICO$1,397
CraigUmialik$1,104
State Farm$1,182
Progressive$1,356
Delta JunctionState Farm$1,182
GEICO$1,397
Umialik$1,436
DillinghamState Farm$1,182
GEICO$1,397
Umialik$1,436
EmmonakState Farm$1,182
GEICO$1,397
Umialik$1,436
FairbanksState Farm$1,406
GEICO$1,464
Umialik$1,700
GambellState Farm$1,182
GEICO$1,397
Umialik$1,436
HomerState Farm$1,302
GEICO$1,397
Umialik$1,404
HoonahGEICO$1,095
Umialik$1,104
State Farm$1,182
Hooper BayState Farm$1,182
GEICO$1,397
Umialik$1,436
HoustonGEICO$1,397
State Farm$1,634
Umialik$1,728
JuneauGEICO$1,095
Umialik$1,104
Progressive$1,262
KenaiState Farm$1,302
GEICO$1,397
Umialik$1,404
KetchikanUmialik$1,104
State Farm$1,182
Progressive$1,253
King CoveState Farm$1,182
GEICO$1,397
Umialik$1,436
KlawockUmialik$1,104
State Farm$1,182
Progressive$1,372
KodiakState Farm$1,182
GEICO$1,397
Umialik$1,436
KotlikState Farm$1,182
GEICO$1,397
Umialik$1,436
KotzebueState Farm$1,182
GEICO$1,397
Umialik$1,436
KwethlukState Farm$1,182
GEICO$1,397
Umialik$1,436
Mountain VillageState Farm$1,182
GEICO$1,397
Umialik$1,436
NomeState Farm$1,182
GEICO$1,397
Umialik$1,436
NoorvikState Farm$1,182
GEICO$1,397
Umialik$1,436
North PoleGEICO$1,397
State Farm$1,406
Umialik$1,700
PalmerGEICO$1,484
State Farm$1,634
Umialik$1,728
Pilot StationState Farm$1,182
GEICO$1,397
Umialik$1,436
Point HopeState Farm$1,182
GEICO$1,397
Umialik$1,436
QuinhagakState Farm$1,182
GEICO$1,397
Umialik$1,436
Sand PointState Farm$1,182
GEICO$1,397
Umialik$1,436
SavoongaState Farm$1,182
GEICO$1,397
Umialik$1,436
SelawikState Farm$1,182
GEICO$1,397
Umialik$1,436
SewardState Farm$1,302
GEICO$1,397
Umialik$1,404
ShishmarefState Farm$1,182
GEICO$1,397
Umialik$1,436
SitkaGEICO$1,095
Umialik$1,104
State Farm$1,182
SoldotnaState Farm$1,302
GEICO$1,397
Umialik$1,404
St. Mary'sState Farm$1,182
GEICO$1,397
Umialik$1,436
StebbinsState Farm$1,182
GEICO$1,397
Umialik$1,436
TogiakState Farm$1,182
GEICO$1,397
Umialik$1,436
Toksook BayState Farm$1,182
GEICO$1,397
Umialik$1,436
UnalakleetState Farm$1,182
GEICO$1,397
Umialik$1,436
UnalaskaState Farm$1,182
GEICO$1,397
Umialik$1,436
ValdezState Farm$1,302
GEICO$1,397
Umialik$1,404
WainwrightState Farm$1,182
GEICO$1,397
Umialik$1,436
WasillaState Farm$1,408
GEICO$1,441
Umialik$1,728
WrangellUmialik$1,104
State Farm$1,182
Progressive$1,206

To get your best rate, we recommend Alaska drivers compare at least three quotes online from multiple insurance companies. To help you find good auto rates in Alaska, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Anchorage, Alaska

  • Average annual auto insurance quote in Anchorage = $1,752
  • 17% more expensive than the Alaska average

A year's worth of full-coverage car insurance in Anchorage was the most expensive in the state of Alaska. For cheap auto insurance quotes in Anchorage, we recommend GEICO and State Farm, which quoted $1,559 per year on average, or 11% less than the Anchorage mean.

Cheap car insurance in Juneau, Alaska

  • Average annual auto insurance quote in Juneau = $1,253
  • 17% cheaper than the Alaska average

Juneau's rates were cheaper than the Alaska average. However, drivers should still compare quotes, as a premium with the most expensive insurer was 1.6 times the cost of a premium with the cheapest insurer.

Cheap car insurance in Fairbanks, Alaska

  • Average annual auto insurance quote in Fairbanks = $1,596
  • 6% more costly than the Alaska average

Car insurance costs in Fairbanks were slightly more expensive than the Alaska average, though motorists can still benefit from comparing rates from several companies. The cheapest insurer in our analysis, State Farm ($1,406), cost $440 less per year than the most expensive carrier, Allstate ($1,846).

Cheap car insurance in Wasilla, Alaska

  • Average annual auto insurance quote in Wasilla = $1,634
  • 9% more expensive than the Alaska average

Choosing a policy from the cheapest auto insurer in Wasilla, State Farm ($1,408), could save you more than $226 annually relative to the city average.

Cheap car insurance in Sitka, Alaska

  • Average annual auto insurance quote in Sitka = $1,237
  • 18% cheaper than the Alaska average

For the cheapest coverage in Sitka, we still recommend that drivers compare quotes. The two cheapest insurers in Sitka offered an 11% discount to the city average. Furthermore, an annual policy with the most expensive insurer in our sample cost $618 more than a policy with the cheapest insurer.

Average cost of car insurance in Alaska

The average cost of full-coverage car insurance in Alaska is $1,502 per year, or $125 per month.

The cheapest cities in Alaska for full coverage are:

  • Sitka
  • Hoonah
  • Juneau

The most expensive Alaska cities for full coverage are:

  • Anchorage
  • Palmer
  • Houston

Where you live is a major factor in determining auto insurance rates. Alaska cities are ranked from those with the cheapest auto insurance rates to the most expensive per year.

RankCityCar insurance quote
1Sitka$1,237
2Hoonah$1,239
3Juneau$1,253
4Ketchikan$1,273
5Wrangell$1,280
6Craig$1,296
7Klawock$1,298
8Kodiak$1,403
9Cordova$1,458
10Kenai$1,460
11Soldotna$1,467
12King Cove$1,473
13Sand Point$1,473
14Seward$1,473
15Pilot Station$1,474
16Homer$1,480
17Valdez$1,481
18Hooper Bay$1,492
19Unalaska$1,493
20Nome$1,494
21Quinhagak$1,496
22Gambell$1,497
23Savoonga$1,497
24Shishmaref$1,497
25Stebbins$1,497
26Unalakleet$1,497
27Kotzebue$1,498
28Mountain Village$1,498
29Alakanuk$1,499
30Chevak$1,499
31Kotlik$1,500
32Noorvik$1,500
33Akutan$1,501
34Kwethluk$1,501
35Point Hope$1,501
36Selawik$1,501
37St. Mary's$1,501
38Dillingham$1,506
39Togiak$1,506
40Toksook Bay$1,507
41Wainwright$1,508
42Emmonak$1,525
43Delta Junction$1,529
44Bethel$1,531
45North Pole$1,578
46Fairbanks$1,596
47Wasilla$1,634
48Houston$1,653
49Palmer$1,710
50Anchorage$1,752

Methodology

We collected auto insurance quotes for Alaska cities from six auto insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in Alaska.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.