Best & Cheapest Car Insurance Quotes in Alaska (2025)
State Farm has the most affordable full coverage car insurance in Alaska, at $115 per month.
Find Cheap Car Insurance Quotes in Alaska
Best cheap car insurance companies in Alaska
How we chose the top companies
Best and cheapest car insurance in Alaska
- Cheapest full coverage: State Farm, $115/mo
- Cheapest minimum liability: Geico, $46/mo
- Cheapest for young drivers: Allstate, $105/mo
- Cheapest after a ticket: State Farm, $123/mo
- Cheapest after an accident: State Farm, $134/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Allstate, $131/mo
- Cheapest after a DUI: Umialik, $169/mo
- Cheapest for poor credit: Allstate, $203/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, Geico and Umialik offer the best combination of dependable customer service and cheap rates. Geico and State Farm both offer online quotes, so you can quickly compare rates to find the best option for you. However, you'll need to work with an insurance agent to get a quote from Umialik.
Cheapest car insurance in Alaska: State Farm
State Farm has the cheapest full coverage rates in Alaska, with an average rate of $115 per month.
That's 18% less than the state average. The average cost of car insurance in Alaska is $141 per month for full coverage.
Alaska drivers should also compare quotes from Geico. Geico has easy online sign-up and costs around $119 per month for full coverage. That's only $4 more per month than State Farm, and Geico's website is very convenient to use.
Find Cheap Car Insurance Quotes in Alaska
If you're a current or former military member or part of a military family, you might be eligible to get full coverage insurance from USAA for just $104 per month.
That's $11 less per month than State Farm and 27% cheaper than the state average.
Cheapest Alaska car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $115 |
| Geico | $119 |
| Allstate | $156 |
| Umialik | $169 |
| Progressive | $183 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Alaska: Geico
Geico offers Alaska drivers the best rates for minimum liability insurance, with an average of $46 per month.
However, there are many companies that offer affordable prices for basic car insurance. Among six of the largest companies in Alaska, five offered quotes cheaper than $50 per month.
Military members, veterans and their families can find the cheapest rates with USAA. A minimum coverage policy from USAA costs only $28 per month.
Cheapest minimum coverage quotes in AK
Company | Monthly rate |
|---|---|
| Geico | $46 |
| State Farm | $46 |
| Allstate | $47 |
| Progressive | $48 |
| Umialik | $57 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Alaska
Cheapest car insurance for teen drivers in Alaska: Allstate
Allstate has the cheapest minimum coverage rate for an 18-year-old driver, at $105 per month.
That's 27% cheaper than average. But full coverage from Allstate is costly, at $409 per month.
The cheapest full coverage insurance for Alaska teens comes from Geico. A full coverage policy from Geico costs $318 per month, which is 22% cheaper than average.
Cheapest car insurance for young drivers in Alaska
Company | Liability only | Full coverage |
|---|---|---|
| Allstate | $105 | $409 |
| Geico | $133 | $318 |
| Umialik | $139 | $380 |
| State Farm | $159 | $368 |
| Progressive | $255 | $728 |
*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 more than 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 $150 per month by switching to Allstate.
Best car insurance after a speeding ticket: State Farm
State Farm has the cheapest quotes for drivers with a speeding ticket, charging $123 per month for full coverage. That's 27% cheaper than the average cost for Alaskans with a speeding ticket, which is $169 per month.
Company | Monthly rate |
|---|---|
| State Farm | $123 |
| Geico | $142 |
| Umialik | $169 |
| Allstate | $187 |
| Progressive | $256 |
*USAA is only available to current and former military members and their families.
A single speeding ticket will raise your rates by 20% 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: State Farm
State Farm offers affordable quotes for Alaska drivers with an at-fault accident on their record. The company charges an average of $134 per month for full coverage insurance after an accident, which is 31% cheaper than the state average.
Cheapest car insurance in Alaska after an accident
Company | Monthly rate |
|---|---|
| State Farm | $134 |
| Umialik | $169 |
| Geico | $189 |
| Allstate | $234 |
| Progressive | $284 |
*USAA is only available to current and former military members and their families.
State Farm also has a usage-based program that rewards safe driving with a discount. These programs also give you feedback on your driving habits. That may help you make safer choices and avoid accidents in the future.
Alaska drivers with a recent accident on their record pay an average of $193 per month for full coverage. That's an increase of 37% 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 for young drivers after a ticket or accident: Allstate and Umialik
Allstate has the cheapest rates for young drivers after a speeding ticket.
At Allstate, teen drivers will pay just $131 per month for minimum liability coverage after a ticket.
Umialik doesn't raise rates for some young drivers after a single ticket or accident. So an 18-year-old pays around $139 per month for minimum coverage after one driving incident.
That's because Umialik offers a penalty-free promise as a 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.
Best car insurance for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Allstate | $131 | $171 |
| Umialik | $139 | $139 |
| Geico | $148 | $194 |
| State Farm | $171 | $188 |
| Progressive | $285 | $297 |
*USAA is only available to current and former military members and their families.
Insurance companies raise rates by about 15% after young Alaska drivers get a speeding ticket. Teen drivers in Alaska can expect their rates to increase by around 30% after an accident.
Cheapest Alaska car insurance after a DUI: Umialik
Umialik has the most affordable car insurance quotes in Alaska after a DUI. At $169 per month, the full coverage rate from Umialik is 23% cheaper than average.
Company | Monthly rate |
|---|---|
| Umialik | $169 |
| Geico | $218 |
| Allstate | $223 |
| Progressive | $227 |
| State Farm | $283 |
*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 $219 per month for full coverage. That's 55% 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: Allstate
Allstate offers the best rates for Alaska drivers with poor credit, with an average rate of $203 per month for full coverage. That's 22% cheaper than average.
In Alaska, car insurance costs 85% more for drivers with poor credit than for those with good credit.
Cheapest car insurance in Alaska with poor credit
Company | Monthly rate |
|---|---|
| Allstate | $203 |
| Geico | $223 |
| Umialik | $260 |
| Progressive | $271 |
| State Farm | $428 |
*USAA is only available to current and former military members and their families.
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.
Best car insurance companies in Alaska
USAA is the best car insurance company in Alaska based on its excellent customer service, affordable rates and helpful coverage.
But only military members, veterans and some of their family members can buy car insurance from USAA.
State Farm is the best option for Alaska drivers not eligible for USAA membership. Geico also offers good customer service and some of the cheapest quotes for Alaska drivers.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Umialik | NR | A+ | |
| Allstate | 635 | A+ |
Average cost of car insurance quotes in Alaska by city
Anchorage, the largest city in Alaska, has the most expensive full coverage car insurance rates, with an average of $163 per month.
The towns of Douglas, Ketchikan and Saxman have the lowest rates, with an average of $113 per month.
Full coverage quotes in Alaska by city
City | Monthly rate | % from average |
|---|---|---|
| Adak | $136 | -1% |
| Akiachak | $135 | -1% |
| Akiak | $136 | 0% |
| Akutan | $135 | -1% |
| Alakanuk | $135 | -1% |
Where you live can impact your rates as much as other factors, like your age or driving history.
Car insurance tends to be more expensive in larger cities like Anchorage. That's because big cities typically have higher crime rates and more traffic, which can lead to more accidents and insurance claims. The cheapest places in Alaska tend to be the islands around Juneau in the southernmost part of the state.
In Alaska, quotes vary by as much as $50 each month, depending on your city.
Alaska state minimum car insurance requirements
Alaska auto insurance policies must include a minimum amount of liability coverage. The coverage limits for a minimum policy in Alaska are commonly written as 50/100/25.
- 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.
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 $96 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 $141 per month. Minimum coverage costs around $45 per month.
Who has the cheapest car insurance in Alaska?
State Farm offers the cheapest full coverage insurance in Alaska, at $115 per month. Geico has the cheapest minimum coverage, with an average rate of $46 per month.
How expensive is car insurance in Alaska?
Car insurance in Alaska is not expensive, on average. Alaska is the 12th cheapest state for auto insurance, with an average cost for a full coverage policy of $141 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 2015 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: $25,000 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.
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.
