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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Here's what you need to know when driving in Alaska

Across the Last Frontier State, there are 31,108 miles of road just waiting to be driven. The average car insurance rate in Alaska is $1,272 per year — 17% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Alaska car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Alaska based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Alaska

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Alaska.

1st place medal

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Alaska.

2nd place medal

As a highly-rated regional carrier, GEICO Insurance placed second in The Zebra's Customer Satisfaction Survey with 4.4 stars out of 5.

3rd place medal
State Farm

State Farm placed third with 4.3 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Alaska drivers pay about 17% less for car insurance than the national average.
  • Overall, the cheapest major car insurance company in Alaska is USAA.

The cheapest car insurance companies in Alaska

These companies offer the cheapest rates in the following scenarios.

Cheapest full coverage insurance: USAA

The cheapest rates are from USAA at $1,127 annually or $94 per month for full coverage insurance.

Cheapest for DUI: Umialik Insurance

If you have a DUI on your record, check out Umialik Insurance for the cheapest average rates.

medal for most affordable
Cheapest for teen drivers: Umialik Insurance

For the minimum required coverage in Alaska, Umialik Insurance is the cheapest with an average of $2,931 per year.

Company Avg. Annual Premium
USAA $1,127
State Farm $1,214
Umialik Insurance $1,351
Progressive $1,898
GEICO $1,985
Allstate $3,419

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Alaska auto insurance laws

Car insurance is mandatory in almost every state, including Alaska. If you choose the legal minimum coverage level in Alaska, expect to pay an average of $411 annually. This expenditure is less expensive than the nationwide average by around 73%. 

State minimum coverage

In Alaska, drivers are required to maintain liability insurance coverage at minimum levels of:

  • Bodily Injury $50,000 per person
  • Bodily Injury $100,000 per accident
  • Property Damage $25,000 per accident

Optional coverage in Alaska (varies by carrier) includes:

  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Alaska, a comprehensive insurance policy with a $1,000 deductible costs $1,142, 178% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay around 69% more than you would for basic coverage.

The Zebra's guide to Alaska car insurance laws

Learn more about car insurance requirements in the state of Alaska with our helpful guide.

Compare car insurance rates from the best companies in Alaska.

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Alaska car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Alaska.

Cheap auto insurance in Alaska for minimum coverage

Choosing minimum coverage will certainly make your car insurance rates cheaper — an average of $411/year or $35/month — but it will also put you and your vehicle at further risk. See average rates for minimum coverage from the top companies below. 

Company Avg. Annual Premium
USAA $314
State Farm $360
GEICO $438
Umialik Insurance $475
Allstate $618
Progressive $743

Cheap auto insurance in Alaska with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Alaska drivers with poor credit pay around $1,101 more per year than those with exceptional credit. Have a look at some common rates for those with poor credit below.

Company Avg. Annual Premium
USAA $1,988
Umialik Insurance $2,026
GEICO $2,277
State Farm $2,319
Progressive $2,833
Allstate $3,701

Cheap auto insurance in Alaska with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $755 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
Umialik Insurance $1,351
State Farm $1,540
USAA $1,620
GEICO $2,944
Progressive $3,011
Allstate $3,965

Cheap auto insurance for young drivers in Alaska

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Alaska, teen drivers pay especially high rates: $4,430 per year — more than $2,901 more than the nationwide average and 248% more than a typical Alaska driver.

Company Avg. Annual Premium
Umialik Insurance $2,931
USAA $3,393
State Farm $4,577
GEICO $4,910
Progressive $8,764
Allstate $9,037

Alaska auto insurance rate by violation

In Alaska, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 54% after a DUI and 9% after a speeding ticket.

See below average auto insurance rates in Alaska after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,851 0% $0
None $1,851 0% $0
Two Med/PIP claims $1,868 1% $17
One comp claim $1,868 1% $17
Two comp claims $1,890 2% $40
Not-at-fault accident $1,898 3% $48
Child safety restraint $2,073 12% $222
Driving without lights $2,073 12% $222
Failure to wear a seat belt $2,073 12% $222
Failure to show documents $2,117 14% $267
In 65 MPH zone $2,154 16% $303
Speeding in school zone $2,154 16% $303
Driving too slowly $2,154 16% $303
Cell phone violation $2,159 17% $308
Texting while driving $2,159 17% $308
Speeding 6 - 10 MPH over limit $2,170 17% $320
Speeding 11 - 15 MPH over limit $2,170 17% $320
Speeding 16 - 20 MPH over limit $2,170 17% $320
Driving with expired registration $2,179 18% $328
Failure to stop at a red light $2,181 18% $330
Failure to yield $2,181 18% $330
Following too closely $2,181 18% $330
Wrong way/wrong lane $2,181 18% $330
Operating a vehicle without permission $2,181 18% $330
Illegal turn $2,181 18% $330
Improper passing $2,181 18% $330
Speeding 21 - 25 MPH over limit $2,228 20% $377
Passing school bus $2,228 20% $377
At-fault accident - less than $1000 $2,430 31% $579
Open container $2,462 33% $612
Driving with a suspended license $2,548 38% $697
At-fault accident - greater than $2000 $2,561 38% $710
At-fault accident - $1000-$2000 $2,561 38% $710
Refusal to submit to a chemical test $2,606 41% $755
Reckless driving $2,694 46% $843
DUI $2,742 48% $891
Racing $2,901 57% $1,050
Leaving scene of an accident/hit and run $2,911 57% $1,060

Alaska DUI laws

In Alaska, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

Low-cost car insurance after a DUI in Alaska

If you're convicted of a DUI or DWI violation in Alaska, it’s key to research each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Alaska, Umialik Insurance, has annual rates 51% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Alaska is State Farm, while the priciest firm is Allstate, with prices 54% above average.

Company Avg. Annual Premium
Umialik Insurance $1,351
State Farm $1,785
USAA $2,091
Progressive $2,261
GEICO $3,488
Allstate $4,225

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

spilled beer bottle

Alaska SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Alaska to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Alaska might require some research, but it could pay off in the end.


How to acquire an SR-22 in Alaska

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.


For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.


For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Find an affordable policy in Alaska in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Of the top five biggest cities in Alaska, the cheapest car insurance is found in Juneau and the most expensive in Anchorage.

Have a look at the table below to see average car insurance costs in some of Alaska's biggest cities.

City Avg. Annual Premium
Juneau $1,498
Badger $1,908
Fairbanks $1,923
Knik-Fairview $1,961
Anchorage $2,090

Car insurance price trends in Alaska

In Alaska, average annual auto insurance costs decreased by $125 in the past year. A typical Alaska driver pays an average of $1,272 per year.

The recent pricing trend in Alaska leans toward cheaper car insurance costs and remains lower than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

Year Avg. Annual Premium — Alaska Yearly Change — Alaska Avg. Annual Premium — US Yearly Change — US
2021 $1,272 -$125 $1,529 $46
2020 $1,397 $93 $1,483 -$61
2019 $1,304 $94 $1,544 $23
2018 $1,210 -$586 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Alaska car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Alaska auto insurance.

The average premium in Alaska is $636 for a six-month policy, or $106 per month. Alaska is almost 17% cheaper than the rest of the US.

Our data show USAA and State Farm are the best providers in Alaska. USAA costs $1,127 per year while State Farm will set you back $1,214.

On average, Alaskan drivers pay nearly $106 per month for auto insurance.

Save money on your next car insurance policy!

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Other people are also asking...

Why do I have to pay a deductible if I was hit by an uninsured driver?

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the …
Apr 21, 2017 Palmer, AK

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.