Best & Cheapest Car Insurance Quotes in Alaska (2026)
Geico has the best cheap full coverage car insurance in Alaska, at $129 per month.
Find Cheap Car Insurance Quotes in Alaska
Best cheap car insurance in Alaska
Geico, State Farm and Umialik are the cheapest companies for most people in Alaska.
- Want full coverage? Geico: $129/mo
- Only need minimum coverage? Geico: $45/mo
- Want the best service? State Farm: $179/mo
- Have a speeding ticket? Geico: $175/mo
- Caused an accident? Umialik: $199/mo
- Need coverage for a teen? Allstate: $129/mo
- Got a DUI? Umialik: $199/mo
- Have poor credit? Geico: $244/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Alaska: Geico
Geico and USAA have the cheapest full coverage rates in Alaska.
- Geico has the cheapest full coverage quotes for most Alaska drivers at $129 per month.
- USAA offers even cheaper rates if you're a current or former military member, or the spouse or child of a USAA member. At $116 per month, full coverage from USAA is $13 less per month than Geico and 31% cheaper than the state average.
Find Cheap Car Insurance Quotes in Alaska
Cheapest Alaska car insurance companies for full coverage
Company | Monthly rate |
|---|---|
| Geico | $129 |
| Progressive | $165 |
| State Farm | $179 |
| Umialik | $199 |
| USAA* | $116 |
*USAA is primarily only available to current and former military members.
Data-powered research on Alaska car insurance
Cheapest car insurance in Alaska: Geico
- Geico offers Alaska drivers the best rates for minimum liability insurance, with an average rate of $45 per month. However, there are many companies that offer affordable prices for basic car insurance.
- Progressive offers minimum coverage insurance for about $61 a month, and State Farm offers policies for $67 per month.
- USAA has the cheapest rates for military members, veterans and their families. A minimum coverage policy from USAA costs only $32 per month.
Cheapest minimum coverage car insurance quotes in AK
Company | Monthly rate |
|---|---|
| Geico | $45 |
| Allstate | $57 |
| Progressive | $61 |
| State Farm | $67 |
| USAA* | $32 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Alaska
Average car insurance rates in Alaska by city
- Geico has the cheapest full coverage insurance in 89% of cities and towns across Alaska, including Anchorage and Fairbanks. Progressive has the cheapest rates in the remaining Alaskan towns, most of which are in southeastern Alaska.
- Anchorage, the largest city in Alaska, has the most expensive full coverage car insurance rates in the state. The average cost of a full coverage policy in Anchorage is $205 per month.
- The towns of Douglas, Ketchikan and Saxman have the lowest rates, with an average of $143 per month.
Find Cheap Car Insurance Quotes in Alaska
Cheapest full coverage quotes in Alaska by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Anchorage | $205 | Geico | $141 |
| Fairbanks | $187 | Geico | $150 |
| Adak | $168 | Geico | $122 |
| Akiachak | $168 | Geico | $122 |
| Akiak | $168 | Geico | $122 |
| Akutan | $168 | Geico | $122 |
| Alakanuk | $168 | Geico | $122 |
| Aleknagik | $166 | Geico | $122 |
| Allakaket | $170 | Geico | $122 |
| Ambler | $169 | Geico | $122 |
| Anaktuvuk Pass | $170 | Geico | $122 |
| Anchor Point | $167 | Geico | $125 |
| Anderson | $172 | Geico | $122 |
| Angoon | $145 | Progressive | $102 |
| Aniak | $168 | Geico | $122 |
| Anvik | $168 | Geico | $122 |
| Arctic Village | $171 | Geico | $122 |
| Atka | $168 | Geico | $122 |
| Atqasuk | $171 | Geico | $122 |
| Auke Bay | $148 | Progressive | $104 |
| Badger | $187 | Geico | $150 |
| Barrow | $173 | Geico | $129 |
| Bear Creek | $167 | Geico | $125 |
| Beaver | $171 | Geico | $122 |
| Bethel | $168 | Geico | $129 |
| Bettles Field | $172 | Geico | $122 |
| Big Lake | $199 | Geico | $133 |
| Brevig Mission | $171 | Geico | $122 |
| Buckland | $171 | Geico | $122 |
| Butte | $194 | Geico | $133 |
| Cantwell | $171 | Geico | $122 |
| Central | $170 | Geico | $122 |
| Chalkyitsik | $171 | Geico | $122 |
| Chefornak | $168 | Geico | $122 |
| Chena Ridge | $186 | Geico | $150 |
| Chevak | $168 | Geico | $122 |
| Chickaloon | $193 | Geico | $122 |
| Chicken | $174 | Geico | $122 |
| Chignik | $166 | Geico | $122 |
| Chignik Lagoon | $166 | Geico | $122 |
| Chignik Lake | $166 | Geico | $122 |
| Chistochina | $172 | Geico | $122 |
| Chitina | $171 | Geico | $122 |
| Chugiak | $196 | Geico | $133 |
| Circle | $173 | Geico | $122 |
| Clam Gulch | $166 | Geico | $122 |
| Clarks Point | $166 | Geico | $122 |
| Clear | $175 | Geico | $122 |
| Coffman Cove | $144 | Progressive | $102 |
| Cohoe | $167 | Geico | $122 |
| Cold Bay | $166 | Geico | $122 |
| College | $186 | Geico | $150 |
Best car insurance company in Alaska: State Farm
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Full coverage rate$179/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Alaska based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Alaska
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Best car insurance after a speeding ticket: Geico
Geico has the cheapest quotes for drivers with a speeding ticket, charging $175 per month for full coverage. That's 15% cheaper than the average cost for Alaskans with a speeding ticket, which is $205 per month.
Company | Monthly rate |
|---|---|
| Geico | $175 |
| State Farm | $191 |
| Umialik | $199 |
| Progressive | $241 |
| USAA* | $152 |
*USAA is primarily only available to current and former military members.
A single speeding ticket could raise your rates by 21% in Alaska. Insurance companies believe that drivers with a speeding ticket are more likely to cause an accident in the future. So they charge these drivers more to help cover the cost of a potential accident.
Cheapest quotes after an accident in AK: Umialik
Umialik offers the most affordable quotes in Alaska after an at-fault accident. The company charges an average of $199 per month for full coverage insurance after an accident, which is 19% cheaper than the state average.
Cheapest car insurance in Alaska after an accident
Company | Monthly rate |
|---|---|
| Umialik | $199 |
| State Farm | $208 |
| Geico | $224 |
| Progressive | $267 |
| USAA* | $169 |
*USAA is primarily only available to current and former military members and their families.
Alaska drivers with a recent accident on their record pay an average of $246 per month for full coverage. That's an increase of $76 per month after a single at-fault accident.
Insurance companies increase rates because drivers who have been in one accident are more likely to get into another accident in the future. But your rates may go down if you keep a clean driving record until the accident drops off your driving record. This typically happens after three to five years.
Cheapest car insurance for teen drivers in Alaska: Allstate and Geico
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Minimum liability coverage: Allstate and Geico have the cheapest minimum coverage rates for an 18-year-old driver, at $129 per month. That's $34 per month cheaper than average.
Geico tends to have better customer service than Allstate, making it the best option for most teens.
- Full coverage: Geico has the cheapest full coverage insurance for Alaska teens. A full coverage policy from Geico costs $345 per month, which is 21% cheaper than average.
Cheapest car insurance rates for young drivers in Alaska
Company | Liability only | Full coverage |
|---|---|---|
| Allstate | $129 | $603 |
| Geico | $129 | $345 |
| Umialik | $169 | $445 |
| State Farm | $230 | $575 |
| USAA* | $82 | $270 |
*USAA is only available to current and former military members and their families.
Young drivers in Alaska pay more than triple the price for minimum coverage car insurance for adult drivers. And full coverage for 18-year-old drivers costs nearly three times as much as the same coverage for a 30-year-old driver.
Teen drivers in Alaska can save money on their car insurance by:
It's also important to compare quotes from multiple companies. For example, a teen driver with minimum coverage from Progressive could save $111 per month by switching to Allstate.
Cheapest for young drivers after a ticket or accident: Geico
Geico has the cheapest rates for young drivers after a speeding ticket or accident.
- Speeding ticket: At Geico, teen drivers will pay just $159 per month for minimum liability coverage after a ticket. That's 17% cheaper than average.
- Accident: Geico charges around $207 per month for teens with a recent at-fault accident on their record, which is about 8% cheaper than the state average.
Best car insurance for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $159 | $207 |
| Allstate | $162 | $261 |
| Umialik | $169 | $169 |
| State Farm | $248 | $273 |
| USAA* | $136 | $147 |
*USAA is only available to current and former military members and their families.
Insurance companies raise rates by about 18% after young Alaska drivers get a speeding ticket. Teen drivers in Alaska can expect their rates to increase by around 38% after an accident.
If you're a young driver worried about your rates going up after an accident, Umialik may be a good choice. Umialik doesn't raise rates for some young drivers after a single ticket or accident. So an 18-year-old could pay around $169 per month for minimum coverage after one driving incident.
That's because Umialik offers a penalty-free promise as part of its Signature Auto program. The penalty-free promise guarantees your rates won't increase because of accidents or tickets.
But only drivers with a clean record can get an Umialik Signature Auto policy. If you already have a ticket or accident on your record, you won't be able to take advantage of this perk.
Cheapest Alaska car insurance after a DUI: Umialik
Umialik has the most affordable car insurance quotes in Alaska after a DUI. At $199 per month, the full coverage rate from Umialik is 26% cheaper than average.
Company | Monthly rate |
|---|---|
| Umialik | $199 |
| Progressive | $217 |
| Geico | $237 |
| Allstate | $326 |
| USAA* | $220 |
*USAA is only available to current and former military members and their families.
Alaska drivers who have been caught driving under the influence pay an average of $270 per month for full coverage. That's $100 per month more than drivers with clean records.
In addition, drivers with a DUI may have to get SR-22 coverage in Alaska. This can make car insurance even more expensive.
Best rates for drivers with poor credit in Alaska: Geico
Geico offers the best rates for Alaska drivers with poor credit, with an average rate of $244 per month for full coverage. That's $85 per month cheaper than average.
Cheapest car insurance in Alaska with poor credit
Company | Monthly rate |
|---|---|
| Geico | $244 |
| Progressive | $246 |
| Allstate | $300 |
| Umialik | $306 |
| USAA* | $205 |
*USAA is only available to current and former military members and their families.
In Alaska, car insurance costs 94% more for drivers with poor credit than for those with good credit.
Insurance companies believe drivers with poor credit are more likely to make claims in the future. That's why people with bad credit pay more for car insurance in most states.
Is your car insurance company raising rates in Alaska in 2026?
Only one major car insurance company, American Family, has raised rates in Alaska in 2026. But several companies have lowered their rates statewide.
- ↑ Biggest increase: American Family at +6.5%
- ↓ Biggest decrease: State Farm at -8.0%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 8.0% | ↑ 18.3% |
| Progressive | ↓ 3.2% | ↑ 14.3% |
| Allstate | ↓ 0.6% | ↑ 12.7% |
| Geico | ↓ 0.1% | ↑ 18.1% |
| Markel | 0.0% | 0.0% |
| Farmers | 0.0% | 0.0% |
| Liberty Mutual | 0.0% | ↑ 23.0% |
| USAA | 0.0% | ↑ 23.1% |
| The Hartford | 0.0% | ↑ 25.4% |
| Country Financial | 0.0% | ↑ 48.8% |
| Western National | 0.0% | ↑ 58.1% |
| American Family | ↑ 6.5% | ↓ 1.5% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Alaska state minimum car insurance requirements
Alaska auto insurance policies need to include a minimum amount of liability coverage. The coverage limits for a minimum policy in Alaska are commonly written as 50/100/25. If you're caught driving without insurance in Alaska, you'll have to pay a $500 fine and could have your driver's license suspended for up to a year.
- Bodily injury liability (BI): $50,000 per person and $100,000 per accident
- Property damage liability (PD): $25,000 per accident
Bodily injury liability coverage pays for injuries to the other driver. On the other hand, property damage liability coverage pays to fix a damaged car or property after an accident you cause.
In some parts of Alaska, you're not required to have car insurance or register your vehicle. This typically includes remote rural locations with small populations.
However, if you've gotten a ticket for a violation totaling 6 points or more within the past five years, you need to have insurance, regardless of where you live in the state.
What's the best car insurance coverage for Alaska drivers?
If your car is worth more than a few thousand dollars, it's typically worth having full coverage insurance. In addition, lenders usually require drivers with a car loan or lease to get full coverage.
Full coverage car insurance pays for repairs to your car. It pays for damage after a wreck with another car, vandalism or hitting an animal, among other things. This is because it includes collision and comprehensive coverage.
Full coverage car insurance in Alaska costs $115 more per month than a minimum coverage policy.
Minimum coverage insurance is very affordable, but it only pays for a limited amount of damage you cause to other drivers and their cars. That could leave you with a hefty bill if you cause a major accident. If you have $25,000 in property damage coverage but total (completely destroy) someone else's $40,000 car, you'd have to pay the other $15,000 out of your own pocket.
Frequently asked questions about Alaska car insurance
How much is car insurance in Alaska?
The average price of full coverage auto insurance in Alaska is $170 per month. Minimum coverage costs around $55 per month.
Who has the cheapest car insurance in Alaska?
Geico offers the cheapest full coverage insurance in Alaska in 2026. At $129 per month, full coverage from Geico is $41 per month cheaper than the Alaska average. Geico also has the cheapest minimum coverage, with an average rate of $45 per month.
How expensive is car insurance in Alaska?
Car insurance in Alaska is not expensive, on average. Alaska is the 13th-cheapest state for auto insurance, with an average cost for a full coverage policy of $170 per month.
Car insurance is cheaper in Alaska partly because of the low population density and lack of congested cities. This means drivers are less likely to have an accident, making them cheaper to insure.
How much auto insurance do I need in Alaska?
Alaska drivers must have $50,000 in bodily injury coverage per person and $100,000 per accident. You also need to have $25,000 in property damage coverage per accident.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Alaska from the state's largest insurance companies. Rates are for a 30-year-old man with good credit who has a clean driving record and owns a 2018 Honda Civic EX.
Full coverage rates include liability coverage, uninsured and underinsured motorist coverage, and comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used only for comparative purposes — your quotes may differ.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Alaska Division of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
