Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 6, 2021

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AutoInsureSavings.org team of licensed insurance agents reviewed the best car insurance companies in Alaska and found Allstate ($424 per year) has the cheapest rates for minimum liability coverage.

State Farm ($1,311 annually) is the most affordable insurance for Alaska drivers who need full coverage.

Affordable Alaska Car Insurance Rates

Comparing quotes from at least three to five insurance companies is the best way to make sure you find the best deals to save money monthly. 

Cheapest Car Insurance in Alaska - Quick Hits
AutoInsureSavings.orgThe cheapest Alaska car insurance options are:

For minimum coverage: Allstate
For full coverage: State Farm
After an at-fault accident: Umialik
After a speeding ticket: Umialik
After a DUI: Progressive
For poor credit history: GEICO
For young drivers: Umialik
For young drivers with one accident: Allstate
For young drivers with speeding violation: Umialik
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In this guide, we will take a closer look at car insurance providers available to Alaska drivers and help you determine which one is best for your individual needs.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Most affordable state minimum coverage from insurers by quote in Alaska from Allstate, USAA and Umialik compared to state average.Cheapest Car Insurance in Alaska for Minimum Coverage?

Our recent comparison shopping study found the cheapest auto insurer for minimum liability insurance requirements is Allstate, which provided our agents a $424 rate for our sample driver.

The average quote is $520 per year, and Allstate’s rate at $424 per year is 19% cheaper, making them the best option for Alaska drivers needing minimum liability insurance. 

CompanyAverage annual rate
Allstate$424
USAA$439
Umialik$460
State Farm$465
GEICO$490
Progressive$516
Liberty Mutual$541
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Military members, their spouses, or family members qualify for cheaper car insurance through USAA. Buying minimum coverage insurance requirements at $439 annually through USAA is 16% less expensive than the state average $520 rate.

Cheapest Full Coverage Car Insurance in Alaska

If you are interested in having an extra layer of protection while you are on the road, the cheapest full coverage rates are with State Farm at $1,311 annually or $109 per month.

Quotes from this insurance carrier are 19% less expensive than Alaska’s average of $1,612.

InsurerCost per year Cost per month
State Farm$1,311$109
Umialik$1,367$113
Allstate$1,547$129
Alaska average$1,612$134
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*Your rates may vary when you get quotes.

Full coverage car insurance in Alaska costs, on average, more than three times the amount that minimum coverage insurance costs.

While many drivers may instantly turn away from taking out full coverage due to the higher rates, others appreciate the peace of mind and reassurance they receive by having collision and comprehensive coverage along with their liability coverage.

Alaska’s Department of Commerce recommends full coverage insurance to protect your vehicle from accidents of inclement weather or an animal, such as moose. You may want to get uninsured motorist coverage in Alaska for extra protection.

Cheapest Car Insurance With a Speeding Ticket in Alaska

The best coverage rate for drivers with one speeding violation is Umialik, which offered us a quote at $1,409 annually. The average cost of insurance for Alaskans with a speeding ticket is $1,780, but Umialik is $371 cheaper. 

InsurerCost per year Cost per month
Umialik$1,409$117
GEICO$1,570$130
Allstate$1,727$143
Alaska average$1,780$148
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Traffic tickets will cause your rates to increase regardless of your coverage level. In Alaska, most drivers can expect their rates to go up by 13% on average. 

Cheapest Car Insurance in Alaska With a Car Accident

In Alaska, drivers with one at-fault accident on their driving record should consider the cheapest insurance company Umialik which provided our insurance agents with a quote at $1,548 annually or $129 per month.

In Alaska, the average cost of car insurance after being involved in an accident is $2,280 per year or $190 per month. Umialik’s rate for those with a car accident is 33% cheaper than average.

Your next cheapest option is Allstate, with a $1,970 rate or nearly $300 less than average.

InsurerCost per year Cost per month
Umialik$1,548$129
Allstate$1,970$164
State Farm$2,127$177
Alaska average$2,280$190
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Once you have an at-fault accident on your driving record in Alaska, you can expect your car insurance rates to go up by 32%, according to the Insurance Information Institute (III.org).

That is because insurance companies see accidents as a sign of increased risk, and many will consider you a high-risk driver until the accident is no longer on your record.

Cheapest Car Insurance With a DUI in Alaska

During our agent’s research, the auto insurance provider to check out is Progressive for drivers with a DUI. Progressive’s quote of $159 per month is 26% less expensive than average and $227 less than the next best option Allstate. 

InsurerCost per year Cost per month
Progressive$1,910$159
Allstate$2,137$178
Umialik$2,452$204
Alaska average$2,568$214
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In Alaska, drivers who have been caught driving under the influence are expected to pay car insurance premiums that are 41% more than drivers who have clean driving records. After a DUI, Alaska drivers’ average insurance cost is $2,568 per year or a rate increase to $214 per month. Registering for a defensive driving course is the best way to lower your insurance cost after a DUI offense. 

Cheapest Car Insurance For Drivers with Poor Credit

According to our research, the Alaskan insurance company offering the best rates with poor credit is GEICO.

GEICO’s quote of $1,599 per year is 15% less expensive than the $1,873 average premium. 

InsurerCost per year Cost per month
GEICO$1,599$133
Allstate$1,659$138
State Farm$1,780$148
Alaska average$1,873$156
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Even if you are a safe driver, your credit report and score can harm how much your car insurance rates will be. That’s because many companies look at a person’s ability to pay off their debts as a reflection of their ability to make their monthly car insurance payments.

If you have bad credit, you will likely pay as much as 33% more for car insurance premiums in Alaska than those with good credit.

Cheapest Car Insurance for Young Drivers in Alaska

Our comparison study found that Umialik is the cheapest auto insurance company for young drivers in Alaska. Our insurance agents received a low rate of $3,354 annually from Umialik or $279 a month, which is 32% more affordable than Alaska’s state average rate.

InsurerFull coverageMinimum coverage
Umialik$3,354$1,348
State Farm$3,793$1,567
USAA$4,149$1,874
GEICO$4,311$1,903
Allstate$5,129$1,377
Liberty Mutual$5,560$1,943
Progressive$6,128$2,243
Alaska average$4,871$1,875
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Teen drivers looking for affordable minimum coverage in Alaska should consider Umialik ($1,348) and Allstate ($1,377). Both auto insurers are 27% cheaper than the average $1,875 Alaska auto insurance rate.

Our agents recommended young adults carry full coverage insurance. Still, if you have limited insurance providers option, or your vehicle worth less than $3,000, a minimum liability policy may be the best way to save more on car insurance.

It is estimated that young drivers pay as much as $3,000 more for their car insurance than adult drivers in Alaska.  

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

If under the age of 21 in Alaska, drivers with a speeding violation will find cheap rates with Umialik, which provided us a quote at $299 per month or 19% less expensive than the state average rate. State Farm proved to be affordable Alaska insurance at $3,900 per year for full coverage.

InsurerAnnual CostMonthly Cost
Umialik$3,598$299
State Farm$3,900$325
GEICO$4,922$410
Alaska average$4,437$369
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Cheapest Car Insurance for Young Drivers with an Auto Accident

Young Alaskans with an at-fault accident can avoid a significant rate increase by getting auto insurance coverage from Allstate Insurance with a quote at $3,978 annually or 27% cheaper.

The next best coverage option is Umialik, quoted at $4,259 per year or 22% less expensive than a typical rate for teen drivers with an accident in their driver history.

InsurerAnnual CostMonthly Cost
Allstate$3,978$331
Umialik$4,259$354
State Farm$4,983$415
Alaska average$5,430$452
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Best Auto Insurance Companies in Alaska

According to ValuePenguin’s survey of car insurance companies in Alaska, USAA performed the best overall customer service, and JD Power claims satisfaction. If not eligible for a USAA membership, your best auto policy options are Allstate and State Farm for larger national companies and Umialik for a regional company.  

We studied data to help you make excellent coverage choices and insurance decisions during our comparison shopping study of Alaska’s best auto insurers. The data we use is from the National Association of Insurance Commissioners (NAIC), J.D. Power’s customer satisfaction survey, and AM Best financial strength ratings.

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
Allstate0.63876A+
State Farm0.66881A++
USAA0.68890A++
Progressive0.67856A+
GEICO1.01871A++
Umialik0.00n/aA+
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*NAIC complaint index, the lower, the better, JD Power’s claims satisfaction study, the higher, the better, AM Best Ratings, A+ is “excellent,” and A++ is “superior” financial strength.

State Farm and Allstate are two insurers performing best with NAIC’s complaint index. Both scored less than one (1), with lower than average complaints based on their market share. Both car insurers have excellent JD Power claims satisfaction scores.  

Deciding on the best insurance company in Alaska is not a simple task. That is because the factors that make one company the best for one driver may make them the worst choice for another. Finding the best auto insurance rates for you will depend on a wide variety of factors like your age, your driving history, where you live, and your vehicle’s make or model, to name a few. 

Below is a recent customer satisfaction and claims service study performed by ValuePenguin.

Company% respondents extremely satisfied with recent claim% respondents rated customer service as excellent
USAA78%62%
State Farm73%46%
Allstate72%47%
Progressive74%34%
GEICO64%42%
UmialikN/AN/A
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Your best resource for finding the most affordable car insurance rates in Alaska is insurance quote comparison websites like AutoInsureSavings.org. You can find many useful articles and guides on which car insurance company is the best and offers the most beneficial coverage options for various drivers in different categories.

Average Car Insurance Costs by City in Alaska

Auto insurers use your zip code to calculate your rate, as well as your marital status, credit score, and driving history. Your rates can vary by $300 or more, depending on your location in Alaska.

As an example, Anchorage’s average rate is $1,920 per year, while auto insurance rates in Ketchikan are $1,301, over a $600 variance.

AutoInsureSavings.org licensed agents did a comparison study of cities in Alaska. 

Cheapest Car Insurance in Anchorage, AK

Anchorage drivers can find the cheapest insurance coverage for their motor vehicle with Allstate, which provided our agents a $1,549 annual quote or $129 per month for a full coverage policy. 

Allstate’s quote is 33% less expensive than the $1,920 citywide average rate. 

Anchorage CompanyAverage Premium
Allstate$1,549
GEICO$1,693
Progressive$1,782
Anchorage average$1,920
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Cheapest Car Insurance in Ketchikan, AK

In research, we found the most affordable coverage for Ketchikan drivers is Umialik, providing a quote of $1,124 per year or 14% less expensive than the average quote. At $1,261 annually, State Farm is 4% lower than average, making both insurers the better car insurance option.

Ketchikan CompanyAverage Premium
Umialik$1,124
State Farm$1,261
Progressive$1,437
Ketchikan average$1,301
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Cheapest Auto Insurance in Sitka, AK

AutoInsureSavings.org licensed agents’ research found coverage from Allstate Insurance costs cheaper for residents of Sitka. Allstate’s $97 monthly rate is 27% less expensive than the citywide average of $1,621 per year of $135 a month. 

Sitka CompanyAverage Premium
Allstate$1,168
Umialik$1,346
GEICO$1,472
Sitka average$1,621
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Cheapest Auto Insurance in Badger, AK

Affordable coverage in Badger is with Allstate providing the best rate at $1,046 annually for a full coverage policy. Allstate’s $87 a month rate is 23% less expensive than average for residents of Badger.

Zipcodes in Badger, located near Fairbanks, pay slightly more for insurance coverage than those residing in a zip code within the city of Fairbanks. 

Badger CompanyAverage Premium
Allstate$1,046
Liberty Mutual$1,157
State Farm$1,326
Badger average$1,347
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Average Insurance Cost for All Cities in Alaska

CityAnnual Premium CostCityAnnual Premium Cost
Adak$1,573 Kupreanof$1,562
Akhiok$1,342Kwethluk$1,801
Akiak$1,736Larsen Bay$1,899
Akutan$1,295Lower Kalskag$1,342
Alakanuk$1,562Manokotak$1,548
Aleknagik$1,533Marshall$1,295
Allakaket$1,569McGrath$1,573
Ambler$1,765 Mekoryuk$1,533
Anaktuvuk Pass$1,295Mountain Village$1,542
Anchorage$1,920 Napakiak$1,342
Anderson$1,562 Napaskiak$1,782
Angoon$1,762Nenana$1,295
Aniak$1,721New Stuyahok$1,713
Anvik$1,342Newhalen$1,560
Atka$1,560Nightmute$1,569
Atqasuk$1,533Nikolai$1,342
Bethel$1,732Nome$1,562
Bettles$1,542 Nondalton$1,533
Brevig Mission$1,672 Noorvik$1,560
Buckland$1,599North Pole$1,643
Chefornak$1,295Nuiqsut$1,651
Chevak$1,751Nulato$1,439
Chignik$1,342Nunam Iqua$1,365
Chuathbaluk$1,439Nunapitchuk$1,600
Clark's Point$1,301Old Harbor$1,573
Coffman Cove$1,712Ouzinkie$1,566
Cold Bay$1,342Palmer$1,660
Cordova$1,365 Pelican$1,301
Craig$1,533Pilot Point$1,781
Deering$1,650Pilot Station$1,542
Delta Junction$1,803Platinum$1,650
Dillingham$1,301Point Hope$1,365
Diomede$1,542 Port Alexander$1,295
Eagle River$1,560Port Heiden$1,439
Edna Bay$1,439Port Lions$1,301
Eek$1,566 Quinhagak$1,569
Egegik$1,365 Ruby$1,542
Ekwok$1,567 Russian Mission$1,365
Elim$1,582 Saint Paul$1,533
Ester$1,560Sand Point$1,560
Fairbanks$1,295Savoonga$1,582
False Pass$1,650Saxman$1,439
Fort Yukon$1,742Scammon Bay$1,295
Galena$1,301Selawik$1,342
Gambell$1,365 Seldovia$1,542
Golovin$1,295Seward$1,655
Goodnews Bay$1,533Shageluk$1,301
Grayling$1,439Shaktoolik$1,567
Gustavus$1,562Shishmaref$1,562
Holy Cross$1,301Shungnak$1,686
Homer$1,566 Sitka$1,621
Hoonah$1,569Soldotna$1,566
Hooper Bay$1,542 St. George$1,301
Houston$1,365 St. Mary's$1,439
Hughes$1,582 St. Michael$1,533
Huslia$1,301Sterling$1,542
Hydaburg$1,533Tanana$1,365
Juneau$1,650Teller$1,647
Kachemak$1,295Tenakee Springs$1,562
Kake$1,365 Thorne Bay$1,569
Kaktovik$1,562Togiak$1,295
Kaltag$1,590 Toksook Bay$1,521
Kasaan$1,301Unalakleet$1,650
Kenai$1,650Unalaska$1,521
Ketchikan$1,301Upper Kalskag$1,650
Kiana$1,562Barrow$1,941
King Cove$1,650Valdez$1,567
Kivalina$1,521 Wainwright$1,533
Klawock$1,295Wales$1,562
Kobuk$1,301Wasilla$1,582
Kodiak$1,521 Whale Pass$1,566
Kotlik$1,533White Mountain$1,562
Kotzebue$1,569Whittier$1,590
Koyuk$1,542 Wrangell$1,533
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Minimum Auto Insurance Requirements in Alaska

In Alaska, all drivers are state-mandated to show proof of insurance when asked by police officers or the Department of Motor Vehicles (DMV).

Any insurance policies sold to an Alaskan vehicle owner must include the minimum amount of bodily injury and property damage liability coverage, as per state requirements.

Bodily injury liability coverage pays for injuries to other drivers in a car accident, while property damage liability covers other vehicles’ damage.

Coverage limits for drivers must maintain as follows:

LiabilityMinimum coverage
Bodily injury (BI)$50,000 per person and $100,000 per accident
Property damage (PD)$25,000 per accident
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Frequently Asked Questions

Who has the Cheapest Car Insurance in Alaska?

After gathering information from various resources, we found the top car insurance companies offer the lowest Alaska drivers’ average rates is Allstate at $35 per month, USAA at $37 per month, and Umialik at $38 a month for a minimum coverage policy for a 30-year-old male with a clean driving history.

How do I Save on Car Insurance in Alaska?

There are many things drivers can do to help save money on their car insurance rates in Alaska. First, you will need to compare quotes from multiple providers to find the right company that offers the exact level of coverage in Alaska you need at the most affordable price.

Another thing drivers can do to help them save more on their car insurance rates is ask their insurance provider about a money-saving driver discount they may be eligible for. Many companies offer discounts for drivers who have multiple policies with them or drivers who have no prior accidents or violations on their driving records.

To learn more about the many things you can do to help save more on your car insurance in Alaska, check out the articles and guides featured at AutoInsureSavings.org.

How Much is Car Insurance in Alaska per Month?

On average, drivers pay around $43 per month for minimum coverage in Alaska and $134 per month for full coverage insurance. Based on our research, Umialik is one of the most affordable car insurance companies in the state. Most drivers’ average annual rate is around $460 per year for state minimums and $1,367 annually, including comprehensive and collision coverage. 

How Much Will my Car Insurance Rise with a Speeding Ticket in Alaska?

For most car insurance customers, their premium will go up by $230 following a speeding citation. That causes their average yearly premium to be around $1,682. However, this is less than the national average for drivers with traffic tickets, which is estimated to be $1,988. Getting a traffic violation is one of the main ways drivers can be classified as high-risk drivers.

How Much Is Full Coverage Car Insurance in Alaska?

On average, most drivers in Alaska pay for full coverage auto insurance is $134 per month or $1,612 per year. The top insurance companies in Alaska who offer the lowest rate for drivers interested in full coverage policies include State Farm, Umialik, and Allstate. All three insurers provide insurance quotes 10% lower than average. 

To learn more and find the best car insurance options in Alaska, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

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We used rates for drivers with an accident history, credit score, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.

Sources

–Alaska Department of Commerce, Community, and Economic Development Division of Insurance. “Alaska Consumer Guide to Auto Insurance.”
–Insurance Information Institute. “Auto Rate Setting.”
–National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Companies.”
–National Highway Traffic Safety Administration (NHTSA). “(FARS).”
–Insurance Institute for Highway Safety (IIHS.org). “Fatality Facts 2018 State by state.”