Who Has the Cheapest Car Insurance Quotes in Alaska?

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:

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:

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

How much is full-coverage auto insurance in Alaska?

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

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:

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.

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

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:

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.

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.

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:

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.

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

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

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

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

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

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 cheapest cities in Alaska for full coverage are:

The most expensive Alaska cities for full coverage are:

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.

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:

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.