Who Has the Cheapest Car Insurance Quotes in Alaska?

Who Has the Cheapest Car Insurance Quotes in Alaska?

Our review of the top auto insurance companies in Alaska showed that State Farm had the most affordable premiums. Drivers pay an average of $334 annually, or $28 monthly, for minimum coverage.

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Our review of the top auto insurance companies in Alaska showed that State Farm had the most affordable premiums. Drivers pay an average of $334 annually, or $28 monthly, for minimum coverage.

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Compare quotes from at least three companies to be sure you're getting a good deal. You can use the tool above to get rates from top providers near you, or you can read on for our in-depth analysis of the top companies in your state.

Cheapest auto insurance in Alaska: State Farm

State Farm offered Alaska drivers the best rates for minimum liability insurance. The state average for minimum liability is $491 annually, but State Farm quoted our sample driver an average annual premium of $334. That makes State Farm's rates 32% cheaper than average.

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However, if you're in the military or part of a military family, you qualify for even cheaper car insurance from USAA. Minimum coverage from USAA costs just $6 more per year than State Farm and 31% less than the state average.

RankCompanyAverage annual rate
1State Farm$334
2Allstate$424
3Umialik$520
4GEICO$521
5Progressive$807
N/AUSAA$340
USAA is excluded from rankings because it is only available to current and former military members and their families.

Be aware that minimum liability policies, though very affordable, only cover damage to the other driver's person or car. This leaves you responsible for repairs to your own vehicle after an accident. To ensure your own car is protected, we recommend full coverage to most drivers.

Cheapest company for full coverage: State Farm

Full coverage car insurance in Alaska costs $1,576 per year, or $131 per month, on average. State Farm's rates were the cheapest, costing $1,276 per year, or 19% less than the state average.

InsurerCost per yearCost per month
State Farm$1,276$106
Umialik$1,460$122
GEICO$1,613$134
Alaska average$1,576$131

Given that full coverage in Alaska costs more than triple what minimum coverage costs, drivers may understandably balk at the high price tag. Remember, however, that full coverage car insurance covers repairs to your own car, whether those repairs result from a collision or from an incident out of your control, such as damage from the weather or an animal. We think it is a worthwhile investment and recommend it to virtually all drivers.

Cheap car insurance for drivers with prior incidents

Full coverage usually costs more for drivers with incidents on their record, as insurers see incidents as a sign of increased risk. Insurers also view a low credit score as an indicator of risk and charge higher rates to drivers with poor credit.

To give Alaska drivers a sense of how these factors impact their rates, we identified the cheapest full coverage for drivers who have:

Find Cheap Auto Insurance Quotes in Alaska

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Cheapest for drivers with an accident: Umialik

We recommend that Alaska drivers with an at-fault accident on their records start their search with Umialik. Rates from the five insurers in our study average out to $2,132 per year, but Umiailik charges almost $700 less — just $1,460 per year, or $122 per month.

For those who prefer to work with a major national insurer, State Farm could be a good choice. Annual rates were $1,521, which breaks down to just about $5 more per month than Umialik.

InsurerCost per yearCost per month
Umialik$1,460$122
State Farm$1,521$127
GEICO$2,333$194
Alaska average$2,132$178

Our sample driver's rates went up by 35% after an at-fault accident. Insurers increase rates because drivers who have been in one accident are statistically more likely to get into accidents in the future. This increases their risk, and thereby the cost of insurance.

Cheapest car insurance for people with a speeding ticket: State Farm

While at-fault accidents raise your rates by 35%, speeding tickets raise your rates by just 13% in Alaska, suggesting that this is a far less serious offense. The best rates for drivers with a speeding ticket come from State Farm. The average cost of insurance for Alaskans who have received a citation for speeding is $1,787 per year, but State Farm charges $389 less.

InsurerCost per yearCost per month
State Farm$1,398$117
Umialik$1,460$122
GEICO$1,613$134
Alaska average$1,787$149

Cheapest car insurance for drivers with a DUI: State Farm

Alaska drivers who have been caught driving under the influence of alcohol pay premiums that are 48% higher than drivers with clean records. Check out State Farm if you're looking for affordable insurance with a DUI on your record. Its rates are 40% more affordable than average, coming out to $1,398 a year, or $117 a month.

InsurerCost per yearCost per month
State Farm$1,398$117
Umialik$1,460$122
Progressive$1,896$158
Alaska average$2,333$194

Cheapest car insurance for drivers with poor credit: GEICO

You can be a safe driver and have a low credit score, but your insurer will still likely charge you more than a safe driver with a higher credit score. In Alaska, we found that car insurance costs 38% more for drivers with poor credit than for drivers with average credit. At $1,613 annually, GEICO offers the best rates for drivers with poor credit, so we recommend obtaining quotes from them.

InsurerCost per yearCost per month
GEICO$1,613$134
State Farm$1,869$156
Umialik$1,908$159
Alaska average$1,983$165
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class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"prior\" class=\"InputDropdown--select\" name=\"prior\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"AK Quotes\" class=\"Button--root Button--primary \" type=\"submit\" value=\"AK Quotes\"\u003EAK Quotes\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--trust-message-container\"\u003E\u003Cspan class=\"QuoteWizardQuoteForm--trust-icon ValuePenguinIcon--inspolicy\"\u003E\u003C\/span\u003E\u003Cspan class=\"QuoteWizardQuoteForm--trust-message\"\u003ENo spam. No hassle. No hidden costs.\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"AK Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--734\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":\"true\",\"style\":\"dropshadow\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Alaska\",\"trackingKey\":\"_best-cheap-car-insurance-alaska\",\"trustMessage\":\"No spam. No hassle. No hidden costs.\",\"vendor\":\"vp\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: Umialik\u003C\/h3\u003E\n\n\u003Cp\u003EWe recommend that Alaska drivers with an at-fault accident on their records start their search with \u003Cstrong\u003EUmialik\u003C\/strong\u003E. Rates from the five insurers in our study average out to $2,132 per year, but Umiailik charges almost $700 less \u2014 just $1,460 per year, or $122 per month.\u003C\/p\u003E\n\n\u003Cp\u003EFor those who prefer to work with a major national insurer, State Farm could be a good choice. Annual rates were $1,521, which breaks down to just about $5 more per month than Umialik.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EUmialik\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,460\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$122\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,521\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$127\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,333\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$194\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,132\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$178\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EOur sample driver's rates went up by 35% after an at-fault accident. Insurers increase rates because drivers who have been in one accident are statistically more likely to get into accidents in the future. This increases their risk, and thereby the cost of insurance.\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EWhile at-fault accidents raise your rates by 35%, \u003Cstrong\u003Espeeding tickets raise your rates by just 13% in Alaska\u003C\/strong\u003E, suggesting that this is a far less serious offense. The best rates for drivers with a speeding ticket come from \u003Cstrong\u003EState Farm\u003C\/strong\u003E. The average cost of insurance for Alaskans who have received a citation for speeding is $1,787 per year, but State Farm charges $389 less.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,398\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$117\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUmialik\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,460\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$122\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,613\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$134\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,787\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$149\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EAlaska drivers who have been caught driving under the influence of alcohol pay premiums that are 48% higher than drivers with clean records. Check out \u003Cstrong\u003EState Farm\u003C\/strong\u003E if you're looking for affordable insurance with a DUI on your record. Its rates are 40% more affordable than average, coming out to $1,398 a year, or $117 a month.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,398\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$117\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUmialik\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,460\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$122\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,896\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$158\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,333\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$194\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: GEICO\u003C\/h3\u003E\n\n\u003Cp\u003EYou can be a safe driver and have a low credit score, but your insurer will still likely charge you more than a safe driver with a higher credit score. In Alaska, we found that car insurance costs 38% more for drivers with poor credit than for drivers with average credit. At $1,613 annually, \u003Cstrong\u003EGEICO\u003C\/strong\u003E offers the best rates for drivers with poor credit, so we recommend obtaining quotes from them.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EGEICO\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,613\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$134\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,869\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$156\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUmialik\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,908\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$159\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,983\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$165\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Cheapest car insurance for married drivers: State Farm

Insurers charge married drivers slightly lower rates than single drivers, since married drivers statistically get into fewer accidents. Married drivers in Alaska save $108 per year on car insurance compared to their single peers.

If you are married, your best bet for affordable insurance is State Farm, as the company's rates are almost $200 cheaper than the state average.

InsurerCost per yearCost per month
State Farm$1,276$106
Progressive$1,430$119
Umialik$1,460$122
Alaska average$1,468$122
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EInsurers charge married drivers slightly lower rates than single drivers, since married drivers statistically get into fewer accidents. Married drivers in Alaska save $108 per year on car insurance compared to their single peers.\u003C\/p\u003E\n\n\u003Cp\u003EIf you are married, your best bet for affordable insurance is \u003Cstrong\u003EState Farm\u003C\/strong\u003E, as the company's rates are almost $200 cheaper than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,276\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$106\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,430\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$119\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUmialik\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,460\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$122\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,468\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$122\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Cheapest car insurance for young drivers: Umialik

Young drivers in Alaska pay over $3,000 more in car insurance than adult drivers do. Average rates are $4,594 per year, or $383 per month.

Umialik offered the cheapest annual premiums to our sample 18-year-old driver. Rates came in at 30% less than the state average, costing $3,217 a year, or $268 a month.

RankInsurerFull coverageMinimum coverage
1Umialik$3,217$1,262
2State Farm$4,081$1,155
3GEICO$4,773$1,699
4Allstate$5,896$950
5Progressive$6,914$3,205
N/AUSAA$2,683$832
Alaska average$4,594$1,517
USAA is excluded from rankings because it is only available to current and former military members and their families.

Although Allstate's full coverage premiums for young drivers were among the pricier rates in our study, its minimum coverage rates were comparatively affordable — just $950 a year, which breaks down to $79 a month. While we generally recommend full coverage to young drivers, minimum coverage can be a smart choice if your car is worth less than the annual premium for a full coverage policy. If this is the case, Allstate is your best bet for cheap rates.

Cheapest for young drivers with one accident: Umialik

After an accident, young Alaska drivers will likely pay even higher rates for auto insurance. Average annual premiums for our sample 18-year-old driver went up by 20% after an accident.

However, young Alaskans may be able to avoid rate increases by purchasing a policy from Umialik. Not only does Umialik offer the most affordable car insurance for young drivers with an at-fault accident on their record, but our research found that they also don't raise rates after an accident. Rates remain steady at $3,217 per year, or $268 per month.

InsurerCost per yearCost per month
Umialik$3,217$268
State Farm$4,925$410
GEICO$5,327$444
Alaska average$5,517$460

Cheapest for young drivers with one speeding ticket: Umialik

We found that insurers raise rates by about 8% after young Alaska drivers get a speeding ticket. Umialik again proved the exception to this rule, however. Rates remained the same, at $3,217 per year after a speeding ticket, which is 35% less than the state average.

InsurerCost per yearCost per month
Umialik$3,217$268
State Farm$4,503$375
GEICO$4,773$398
Alaska average$4,976$415
{"backgroundColor":"white","content":"\n\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nYoung drivers in Alaska pay over $3,000 more in car insurance than adult drivers do. Average rates are $4,594 per year, or $383 per month.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EUmialik\u003C\/strong\u003E offered the cheapest annual premiums to our sample 18-year-old driver. Rates came in at 30% less than the state average, costing $3,217 a year, or $268 a month.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFull coverage\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMinimum coverage\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EUmialik\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$3,217\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,262\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,081\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,155\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,773\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,699\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,896\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$950\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,914\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,205\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/em\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,683\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$832\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,594\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,517\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003Cem\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EAlthough Allstate's full coverage premiums for young drivers were among the pricier rates in our study, its minimum coverage rates were comparatively affordable \u2014 just $950 a year, which breaks down to $79 a month. While we generally recommend full coverage to young drivers, minimum coverage can be a smart choice if your car is worth less than the annual premium for a full coverage policy. If this is the case, Allstate is your best bet for cheap rates.\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: Umialik\u003C\/h3\u003E\n\n\u003Cp\u003EAfter an accident, young Alaska drivers will likely pay even higher rates for auto insurance. Average annual premiums for our sample 18-year-old driver went up by 20% after an accident.\u003C\/p\u003E\n\n\u003Cp\u003EHowever, young Alaskans may be able to avoid rate increases by purchasing a policy from \u003Cstrong\u003EUmialik\u003C\/strong\u003E. Not only does Umialik offer the most affordable car insurance for young drivers with an at-fault accident on their record, but our research found that they also don't raise rates after an accident. Rates remain steady at $3,217 per year, or $268 per month.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EUmialik\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$3,217\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$268\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,925\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$410\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,327\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$444\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,517\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$460\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: Umialik\u003C\/h3\u003E\n\n\u003Cp\u003EWe found that insurers raise rates by about 8% after young Alaska drivers get a speeding ticket. \u003Cstrong\u003EUmialik\u003C\/strong\u003E again proved the exception to this rule, however. Rates remained the same, at $3,217 per year after a speeding ticket, which is 35% less than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per year\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ECost per month\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EUmialik\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$3,217\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$268\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,503\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$375\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,773\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$398\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAlaska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,976\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$415\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Best auto insurance companies in Alaska

ValuePenguin's survey identified USAA as the best insurer in Alaska, based on current customers' satisfaction with service and claims.

Consider going with State Farm or Allstate if you're not eligible for USAA membership. About three-quarters of policyholders said they were "extremely satisfied" with their most recent claims experience.

Overall rankGroupPercent of respondents overall extremely satisfied with most recent claimPercent of respondents who rated customer service as "excellent"
1USAA78%62%
2State Farm73%46%
3Allstate72%47%
4Progressive74%34%
5GEICO64%42%
N/AUmialikN/AN/A
Overall rank takes both claim satisfaction and customer service rankings into account.

State Farm also did well with the National Association of Insurance Commissioners (NAIC), boasting an impressively low NAIC Complaint Index, as well as an above-average claims satisfaction rating from J.D. Power. If you'd rather work with a large national insurer, we recommend going with State Farm; if you prefer a smaller organization, we suggest Umialik.

InsurerNAIC Complaint Index (lower is better)J.D. Power claims satisfaction score (higher is better)AM Best Financial Strength Rating
State Farm0.66881A++
USAA0.68890A++
Progressive0.67856A+
Allstate0.63876A+
GEICO1.01871A++
Umialik0.00N/AA+

All the companies in our study received a Financial Strength Rating from AM Best of at least A+. This high mark means that AM Best believes these insurers have a "Superior" ability to pay out claims.

{"backgroundColor":"white","content":"\n\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nValuePenguin's survey identified USAA as the best insurer in Alaska, based on current customers' satisfaction with service and claims. \n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EConsider going with State Farm or Allstate if you're not eligible for USAA membership. About three-quarters of policyholders said they were \"extremely satisfied\" with their most recent claims experience.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EOverall rank\u003C\/em\u003E\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGroup\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPercent of respondents overall extremely satisfied with most recent claim\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPercent of respondents who rated customer service as \"excellent\"\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E78%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E73%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E72%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E74%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E64%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUmialik\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003Cem\u003EOverall rank takes both claim satisfaction and customer service rankings into account.\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EState Farm also did well with the National Association of Insurance Commissioners (NAIC), boasting an impressively low NAIC Complaint Index, as well as an above-average claims satisfaction rating from J.D. Power. If you'd rather work with a large national insurer, we recommend going with State Farm; if you prefer a smaller organization, we suggest Umialik.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENAIC Complaint Index (lower is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EJ.D. Power claims satisfaction score (higher is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAM Best Financial Strength Rating\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.66\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E881\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.68\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E890\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.67\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E856\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.63\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E876\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1.01\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E871\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUmialik\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.00\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EAll the companies in our study received a Financial Strength Rating from AM Best of at least A+. This high mark means that AM Best believes these insurers have a \"Superior\" ability to pay out claims. \n","padding":"double"}

Average car insurance cost in Alaska by city

When calculating your rates, insurers take where you live into consideration, as well as your driving history and credit score. In Alaska, your location can cause your premiums to vary by as much as $568 each year. Anchorage, the most populous city in Alaska, had the highest rates, at $1,857 annually, while the city of Douglas had the lowest rates, at $1,289 per year.

CityAverage annual costPercent from average
Douglas$1,289-18.2%
Angoon$1,294-17.9%
Kake$1,295-17.8%
Tenakee Springs$1,295-17.8%
Sitka$1,298-17.7%
Port Alexander$1,298-17.7%
Pelican$1,299-17.6%
Petersburg$1,299-17.6%
Hoonah$1,301-17.5%
Gustavus$1,304-17.3%
Haines$1,304-17.2%
Klukwan$1,304-17.2%
Elfin Cove$1,308-17.0%
Skagway$1,309-17.0%
Auke Bay$1,315-16.6%
Juneau$1,316-16.5%
Ketchikan$1,342-14.9%
Saxman$1,342-14.9%
Ward Cove$1,342-14.9%
Coffman Cove$1,347-14.6%
Wrangell$1,349-14.4%
Thorne Bay$1,353-14.1%
Point Baker$1,353-14.1%
Meyers Chuck$1,354-14.1%
Hydaburg$1,356-14.0%
Hyder$1,357-13.9%
Craig$1,362-13.6%
Klawock$1,365-13.4%
Metlakatla$1,365-13.4%
Yakutat$1,415-10.2%
Karluk$1,439-8.7%
Kodiak Station$1,439-8.7%
Womens Bay$1,439-8.7%
Larsen Bay$1,439-8.7%
Old Harbor$1,439-8.7%
Ouzinkie$1,439-8.7%
Kodiak$1,445-8.3%
Port Lions$1,461-7.3%
Ridgeway$1,512-4.1%
Kalifornsky$1,512-4.1%
Salamatof$1,514-3.9%
Kenai$1,515-3.9%
Nikiski$1,519-3.7%
Funny River$1,520-3.6%
Soldotna$1,520-3.6%
Ninilchik$1,520-3.6%
Sterling$1,521-3.5%
Bear Creek$1,523-3.4%
Seward$1,523-3.4%
Hope$1,524-3.3%
Moose Pass$1,524-3.3%
Seldovia$1,529-3.0%
Homer$1,530-3.0%
Cohoe$1,532-2.8%
Kasilof$1,532-2.8%
Diamond Ridge$1,533-2.8%
Fox River$1,533-2.8%
Fritz Creek$1,533-2.8%
Kachemak$1,533-2.8%
Valdez$1,533-2.7%
Tatitlek$1,535-2.6%
Naknek$1,537-2.5%
King Cove$1,540-2.3%
Sand Point$1,540-2.3%
Pilot Station$1,540-2.3%
Scammon Bay$1,541-2.2%
Iliamna$1,542-2.2%
Newhalen$1,542-2.2%
Levelock$1,542-2.2%
Nondalton$1,542-2.2%
Pedro Bay$1,542-2.2%
Port Alsworth$1,542-2.2%
Pilot Point$1,544-2.1%
King Salmon$1,544-2.1%
Perryville$1,544-2.0%
Manokotak$1,545-2.0%
South Naknek$1,546-1.9%
Cooper Landing$1,548-1.8%
Anchor Point$1,551-1.6%
Clam Gulch$1,556-1.3%
Cordova$1,558-1.1%
Hooper Bay$1,559-1.1%
Dutch Harbor$1,560-1.1%
Koyuk$1,560-1.1%
Nome$1,560-1.1%
Wales$1,560-1.1%
Brevig Mission$1,560-1.1%
Elim$1,561-1.0%
Unalaska$1,561-1.0%
Teller$1,561-1.0%
White Mountain$1,561-1.0%
Koyukuk$1,562-0.9%
Shaktoolik$1,562-0.9%
Unalakleet$1,562-0.9%
Gambell$1,562-0.9%
Savoonga$1,562-0.9%
Shishmaref$1,562-0.9%
Saint Michael$1,562-0.9%
Stebbins$1,562-0.9%
Kalskag$1,563-0.9%
Quinhagak$1,563-0.9%
Alakanuk$1,563-0.8%
Chevak$1,563-0.8%
Chignik$1,565-0.7%
Kotzebue$1,565-0.7%
Akutan$1,565-0.7%
Cold Bay$1,565-0.7%
Mountain Village$1,565-0.7%
Anaktuvuk Pass$1,566-0.7%
Kiana$1,566-0.7%
Ambler$1,566-0.7%
Kwigillingok$1,566-0.6%
Lower Kalskag$1,566-0.6%
Buckland$1,566-0.6%
Deering$1,566-0.6%
False Pass$1,566-0.6%
Galena$1,566-0.6%
Kotlik$1,566-0.6%
Nunam Iqua$1,566-0.6%
Noorvik$1,566-0.6%
Chignik Lake$1,567-0.6%
Port Heiden$1,567-0.6%
Chignik Lagoon$1,567-0.6%
Egegik$1,567-0.6%
Saint Mary’s$1,567-0.6%
Russian Mission$1,567-0.6%
Kivalina$1,567-0.6%
Kobuk$1,567-0.6%
Noatak$1,567-0.6%
Point Hope$1,567-0.6%
Selawik$1,567-0.6%
Shungnak$1,567-0.6%
Kwethluk$1,567-0.6%
Mekoryuk$1,567-0.6%
Napakiak$1,567-0.6%
Sleetmute$1,567-0.6%
Central$1,567-0.6%
Dillingham$1,568-0.6%
Holy Cross$1,568-0.5%
McGrath$1,568-0.5%
Takotna$1,568-0.5%
Kaktovik$1,568-0.5%
Rampart$1,568-0.5%
Aleknagik$1,568-0.5%
Kipnuk$1,568-0.5%
Platinum$1,568-0.5%
Red Devil$1,568-0.5%
Susitna North$1,568-0.5%
Talkeetna$1,568-0.5%
Nikolski$1,569-0.5%
Kaltag$1,569-0.5%
Allakaket$1,569-0.4%
Shageluk$1,570-0.4%
Beaver$1,570-0.4%
Huslia$1,570-0.4%
Togiak$1,570-0.4%
Nikolai$1,570-0.4%
Hughes$1,570-0.4%
Stevens Village$1,570-0.4%
New Stuyahok$1,570-0.4%
Saint Paul Island$1,571-0.3%
Clarks Point$1,571-0.3%
Ruby$1,571-0.3%
Atqasuk$1,571-0.3%
Tununak$1,572-0.3%
Wainwright$1,572-0.2%
Kasigluk$1,573-0.2%
Lake Minchumina$1,573-0.2%
Nulato$1,573-0.2%
Nuiqsut$1,573-0.2%
Nunapitchuk$1,573-0.2%
Arctic Village$1,574-0.2%
Venetie$1,574-0.2%
Eielson AFB$1,575-0.1%
Point Lay$1,575-0.1%
Minto$1,575-0.1%
Toksook Bay$1,5760.0%
Tuntutuliak$1,5770.0%
Nightmute$1,5770.0%
Tuluksak$1,5780.1%
Tanana$1,5780.1%
Bettles Field$1,5790.2%
Chalkyitsik$1,5790.2%
Barrow$1,5820.4%
Denali National Park$1,5830.4%
Nenana$1,5830.4%
Whittier$1,5860.6%
Manley Hot Springs$1,5860.6%
Akiachak$1,5860.6%
Emmonak$1,5890.8%
Marshall$1,5890.8%
Healy$1,5890.8%
Salcha$1,5900.9%
Saint George Island$1,5900.9%
Chefornak$1,5900.9%
Eek$1,5900.9%
Goodnews Bay$1,5900.9%
Delta Junction$1,5910.9%
Deltana$1,5910.9%
Atka$1,5921.0%
Adak$1,5921.0%
Grayling$1,5921.0%
Anvik$1,5921.0%
Akiak$1,5941.1%
Aniak$1,5941.1%
Crooked Creek$1,5941.1%
Kongiganak$1,5951.2%
Ekwok$1,5961.2%
Fort Yukon$1,5961.2%
Fort Greely$1,5971.3%
Anderson$1,5991.5%
Bethel$1,6001.5%
Cantwell$1,6001.5%
Circle$1,6001.5%
Chicken$1,6061.9%
Eagle$1,6061.9%
Northway$1,6061.9%
Tanacross$1,6061.9%
Tok$1,6061.9%
Harding-Birch Lakes$1,6061.9%
Chitina$1,6102.2%
Kenny Lake$1,6102.2%
Clear$1,6132.3%
Copper Center$1,6152.5%
Chistochina$1,6162.5%
Gakona$1,6162.5%
Chena Ridge$1,6263.1%
Ester$1,6293.3%
Tyonek$1,6293.3%
College$1,6333.6%
Badger$1,6353.7%
North Pole$1,6353.7%
Two Rivers$1,6353.7%
Moose Creek$1,6363.8%
Skwentna$1,6383.9%
Trapper Creek$1,6404.1%
Pleasant Valley$1,6454.3%
Farmers Loop$1,6454.4%
Fort Wainwright$1,6474.5%
Girdwood$1,6514.8%
Fairbanks$1,6555.0%
South Van Horn$1,6615.4%
Steele Creek$1,6615.4%
Glennallen$1,6786.5%
Wasilla$1,7189.0%
Prudhoe Bay$1,7239.3%
Indian$1,7259.4%
Willow$1,7269.5%
Houston$1,7339.9%
Jber$1,73610.1%
Chickaloon$1,78012.9%
Sutton$1,78012.9%
Sutton-Alpine$1,78313.1%
Lakes$1,78913.5%
Knik-Fairview$1,79013.5%
Tanaina$1,79013.6%
Fishhook$1,79013.6%
Meadow Lakes$1,79013.6%
Point MacKenzie$1,79213.7%
Gateway$1,79613.9%
Big Lake$1,79613.9%
Butte$1,79914.1%
Knik River$1,79914.1%
Farm Loop$1,80214.3%
Lazy Mountain$1,80214.3%
Palmer$1,80214.3%
Eagle River$1,81014.8%
Chugiak$1,81615.2%
Anchorage$1,85717.8%

Minimum requirements for auto insurance coverage in Alaska

Auto insurance policies sold in Alaska must include a state-mandated minimum amount of liability coverage. Bodily injury liability coverage pays for any injuries sustained by the other driver, while property damage liability coverage pays for repair to or replacement of the other driver's damaged property.

The coverage limits for a minimum policy in Alaska are as follows:

LiabilityMinimum coverage
Bodily injury (BI)$50,000 per person and $100,000 per accident
Property damage (PD)$25,000 per accident
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EAuto insurance policies sold in Alaska must include a state-mandated minimum amount of liability coverage. Bodily injury liability coverage pays for any injuries sustained by the other driver, while property damage liability coverage pays for repair to or replacement of the other driver's damaged property.\u003C\/p\u003E\n\n\u003Cp\u003EThe coverage limits for a minimum policy in Alaska are as follows:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ELiability\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMinimum coverage\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EBodily injury (BI)\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$50,000 per person and $100,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EProperty damage (PD)\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$25,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Recap of the cheapest auto insurance in Alaska

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After an at-fault accident: Umialik
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: GEICO
  • Very good credit history: State Farm
  • Married couples: State Farm
  • Young drivers: Umialik
  • Young drivers with one accident: Umialik
  • Young drivers with a speeding ticket: Umialik

Methodology

We collected thousands of rates from ZIP codes across Alaska for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
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 our minimum-coverage policy, we quoted a policy with the minimum required limits in Alaska, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

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.