How Much Is Alaska Car Insurance?

Average Monthly Rate
Quotes Today
Agents in the State
Get quotes in less than 3 minutes

Recent Quotes

  • Liberty Mutual $76/mo

    2007 Mercedes-Benz Ml - AK

  • Metlife $90/mo

    2003 Jeep Grand Cherokee - AK

  • Foremost Auto $31/mo

    1996 Chevrolet Tahoe - AK

  • 21st Century $177/mo

    2017 Subaru Forester - AK

  • Metlife $90/mo

    2014 Jeep Compass - AK

  • Mercury $86/mo

    2006 Chevrolet Malibu - AK

  • Mercury $172/mo

    2012 Ford F350 - AK

  • ClearCover $160/mo

    2020 Buick Envision - AK

  • Foremost Auto $105/mo

    2015 Nissan Sentra - AK

  • ClearCover $124/mo

    2019 Chevrolet Silverado - AK

  • Liberty Mutual $187/mo

    2017 Dodge Journey - AK

  • Mercury $80/mo

    2007 Honda Cr-V - AK

Affordable Car Insurance in Alaska

Alaska, America’s largest, third least-populous, and most sparsely populated state, doesn’t require car insurance everywhere, which contributes a little to higher average rates than you find in many other places around the country. Some of the state’s weather and road conditions make driving riskier, too.

But living in “The Last Frontier” doesn’t lock you into paying high rates every month. We have lots of tips and ideas for you on this page about how to lower your premium. And it just so happens that SmartFinancial is an innovative platform for comparison shopping to find the lowest rates.

Answer a few simple questions for us—it only takes a few minutes—and we instantly deliver carrier-neutral quotes from leading auto coverage providers in Alaska. It’s easy, fast, and free, with no strings attached! There’s no better way to get the best policy at the best possible price.

Alaska Car Insurance

Cheapest Auto Insurance Rates in Alaska

Carriers look at multiple variables when determining your insurance rate. Your age, location, driving history, and state requirements are all factors in determining the price you pay. We used our in-house reporting to determine the companies that offer the cheapest car insurance rates in Georgia. USAA came in with the lowest rate currently available in Alaska at $74.29 per month. Followed by GEICO at $96.05 per month and State Farm at $100.06 per month.

Lowest Rate

USAA

$74.29
Highest Rate

Progressive

$140.44
Average Rate

Alaska

$109
RankCompanyAvg monthly rate
1 USAA $74.29 / month
2 GEICO $96.05 / month
3 State Farm $100.06 / month
4 Umialik Insurance $109.11 / month
5 Allstate $130.68 / month
6 Progressive $140.44 / month

Top 10 Cheapest Cities for Car Insurance

If you are lucky enough to live in one of these cities you are likely paying some of the lowest car insurance rates available in Georgia. According to our data, Kenai comes in at the cheapest at only $62.71 per month. Other cities that made the top 10 list include North Pole at $70.92 per month, Soldotna at $73.89 per month, and Fairbanks at $88.98 per month.

RankCityAvg monthly rate
1 Kenai, AK$62.71 / month
2 North Pole, AK$70.92 / month
3 Soldotna, AK$73.89 / month
4 Fairbanks, AK$88.98 / month
5 Wasilla, AK$89.41 / month
6 Palmer, AK$97.11 / month
7 Juneau, AK$98.42 / month
8 Anchorage, AK$104.91 / month
9 Eagle River, AK$123.13 / month

Top 10 Most Expensive Cities for Car Insurance

These top 10 cities ranked as the most expensive places in Georgia for car insurance. Location is a big factor when determining the price you pay for car insurance and these cities came in at the top. Eagle River is the most expensive city in Georgia at $123.13 per month. Second and third place goes to Anchorage at $104.91 per month and Juneau at $98.42 per month.

RankCityAvg monthly rate
1 Eagle River, AK $123.13 / month
2 Anchorage, AK $104.91 / month
3 Juneau, AK $98.42 / month
4 Palmer, AK $97.11 / month
5 Wasilla, AK $89.41 / month
6 Fairbanks, AK $88.98 / month
7 Soldotna, AK $73.89 / month
8 North Pole, AK $70.92 / month
9 Kenai, AK $62.71 / month

Average Quotes by Top Companies

Rates can vary wildly from company to company. Here is a quick look at a few rates from some of the top car insurance companies in Alaska.

Compare Recent Car Insurance Quotes in Alaska

SmartFinancial helps thousands of drivers every day find and compare the best car insurance rates available. Here is a list of some recent quotes that we recently found for drivers in Alaska.

CompanyMonthly rateVehicle
Liberty Mutual $762007 Mercedes Benz Ml
Metlife $902003 Jeep Grand Cherokee
Foremost Auto $311996 Chevrolet Tahoe
21st Century $1772017 Subaru Forester
Metlife $902014 Jeep Compass
Mercury $862006 Chevrolet Malibu
Mercury $1722012 Ford F350
ClearCover $1602020 Buick Envision
Foremost Auto $1052015 Nissan Sentra
ClearCover $1242019 Chevrolet Silverado
Liberty Mutual $1872017 Dodge Journey
Mercury $802007 Honda Cr V

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Minimum Car Insurance Coverage in Alaska

Every state requires drivers to have a minimum amount of liability coverage. Alaska drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

icon
$50,000

Bodily injury coverage per person

Maximum payment for serious or permanent injury or death to a single person

icon
$100,000

Bodily injury coverage per accident

Coverage for multiple people injured in a single accident

icon
$25,000

Property damage per accident

Maximum payment for all damaged property in an accident caused by you

Not all areas in Alaska require drivers to carry insurance, but in places where vehicle registration is necessary, so is auto coverage. The minimum insurance limits for these areas are $50,000 of bodily injury liability coverage per person and $100,000 per accident and $25,000 of property damage liability coverage.law.

For drivers in areas without registration or insurance requirements, you will be held accountable by the Financial Responsibility law to pay for any costs associated with injuries or property damage you cause to someone else. Additionally, if you’ve gotten a ticket for 6 points or greater in the last five years, you must purchase insurance, no matter where you live.

For a list of exceptions to the insurance requirement, please see the State of Alaska Division of Motor Vehicles.

Alaska is the largest state in the nation by land area, with a rugged climate and inclement weather. These make operating a motor vehicle much different and more dangerous than in other states. If you’re involved in an auto accident, do you want to risk your savings or other assets?

While liability insurance is mandatory in Alaska, it may not cover all your expenses if you’re involved in a crash. Fortunately, you can add optional coverages to your policy to make sure you have the level of protection you need.

Optional Coverage in Alaska

  • Collision
  • Comprehensive
  • Auto Disability
  • Gap Coverage
  • Medical Payments
  • Roadside Emergencies
  • Speeding Tickets
  • Travel Expenses
  • Accidental Death
  • Car Break-Ins
  • Rideshare Coverage
  • Rental Reimbursement
  • Loss of Use
  • Glass Repair Services
  • Accident Forgiveness
  • Custom Equipment
  • New Car Replacement

Carrying an adequate amount of auto insurance is necessary to protect yourself and your family against the unexpected. Car insurance is one of those expenses that seem unimportant until the day you need it. Don’t risk everything you own!

If you’re worried about the cost of optional coverages, take a look at 12 Things You Can Do to Lower Your Auto Insurance Premium for some practical ideas on how to offset the expense of add-ons.

Alaska Car Safety

Alaska Car Safety

The weather and road conditions in Alaska can create some significant hazards for motorists. Still, the state has a relatively low fatality rate. Remember that it’s important to drive at a safe speed for current conditions, even though that may sometimes be well below the posted speed limit. And buckling up saves lives, so always do it, and make sure child passengers are properly secured (more on this a bit further below).

Car Safety for Alaska Kids

Alaska’s car seat safety law requires that children less than 1 year of age or less than 20 pounds be secured in a Federally approved, rear-facing car seat. Once they’ve outgrown this requirement, children ages 1 to 4 should be placed in a forward-facing car seat with a 5-point harness.

Children 4 to 8 years old who are less than 65 pounds and under 4′ 9” must ride in a car seat or booster seat. Generally, at some point between 8 and 12 years of age, children outgrow booster seats. When this happens, and when the child can be properly secured with the vehicle’s seat belts, a child restraint seat is no longer necessary. However, children should continue to ride in the back seat as long as possible.

There is no law in Alaska specific to leaving children unattended in vehicles, but that doesn’t mean the practice is safe. And even without a law, if an unattended child is reported, law enforcement will respond to check on the child and assess the situation. Depending on the age of the child, weather, and other factors, the parents could be subject to criminal charges. It is up to the attending officer to determine whether the child is in danger.

No matter what the law, Alaska temperatures can reach into the 80s or 90s during the day and to dangerously low numbers during colder months. These temperatures pose threats to children in a vehicle after only a few minutes. Plus, unattended children are at risk of accidental injury and kidnapping. If you spot a young kid left unattended in a vehicle and you believe that child is in danger, call 9-1-1.

icon
65

Total number of crash fatalities in 2015

icon
12

Number of pedestrian deaths in 2015

icon
10

Number of motorcyclist deaths in 2015

Driving Green in Alaska

Driving green in Alaska

Going green isn’t just important for the health of your state; adopting eco-friendly habits benefits the whole planet and makes a difference in the lives of future generations. Also, for those who decide to be a little more environmentally conscious about their vehicle choices or driving habits, there may be some more immediate incentives.

icon

Other Green Driving Benefits

If saving money isn’t enough, sleep better knowing that by driving green, you’re helping to save the planet. Even if you can’t afford to buy a hybrid or other eco-friendly car right now, you can still take steps to reduce your carbon footprint. Things like keeping up with your car maintenance, carpooling when possible, walking when errands are nearby, and educating yourself on environmental issues will all go a long way toward helping the environment. And there are savings here, too, as you can extend the life of your vehicle and prevent major problems requiring expensive repairs.

icon

State and Federal Tax Incentives

Alaska offers a tax break to those who purchase ethanol fuel. Fuels blended with alcohol are discounted by $0.06 per gallon compared to other fuel types. And, if that’s not incentive enough to go green, the Federal government offers sizable tax credits for purchasing a hybrid, plug-in hybrid, electric, diesel, or alternative fuel vehicle. Consult your tax prep professional or the IRS before the next tax season rolls around.

icon

Auto Insurance Discounts

By driving green and choosing an eco-friendly vehicle, you may qualify for substantial discounts on your auto insurance premiums. Some companies offer savings of 10 to 30% if you purchase a hybrid, alternative fuel vehicle, or economy car. Low-mileage discounts and pay-as-you-drive options are also often available. Plus, some insurers offer savings if you convert an existing vehicle into one that’s more environmentally friendly. Speak with your carrier for details.

Alaska Car Insurance FAQ

Alaska car insurance faq


Is my credit score a factor when obtaining car insurance in Alaska?

Yes, insurance providers in Alaska can use your consumer credit information to decide whether or not to issue a policy and how much to charge you. Information in your credit report is used to determine how likely you are to file a claim. The higher the risk you’re considered, the more you’re charged.

Does Alaska offer a good-driver discount?

While different insurance companies have different guidelines when it comes to identifying good drivers, most require several years free of accidents and moving violations. If you think you may qualify for a good-driver discount, speak with your insurance provider. And, while you’re at it, see what other discounts you may qualify for, such as:

  • Anti-Theft Device
  • Anti-Lock Brake
  • Accident-Free
  • Vehicle Safety
  • Utility Discount
  • Resident Student
  • Passive Restraint
  • New Car
  • Multiple Policy
  • Multiple Car
  • Home Ownership
  • Good Student
  • Full Pay

Does Alaska allow the use of digital insurance cards?

If your vehicle is registered in a place where insurance is mandatory, you must have proof of insurance to show law enforcement upon being pulled over or after being involved in an accident. This proof of coverage can be in the form of a standard plastic or paper ID, or in digital form on your mobile device. Failure to provide proof of insurance in some form will result in a driver’s license suspension unless you submit proof of coverage to the DMV within 15 days.

What happens if my coverage lapses?

Failure to maintain proper insurance in Alaska may result in the suspension of your driver’s license. You may also face the impounding of your vehicle and fines if your coverage lapses for any reason.

What are Alaska's blood alcohol concentration (BAC) percentage limits under the state's driving under the influence (DUI) laws?

It’s against the law to drive in Alaska at the following BAC percentages:

.08%+ at 21 years old or older
.04%+ for commercial vehicle drivers
Any for under 21 years old

Alaska has a zero-tolerance policy for drivers under 21. If you’re 14 to 21 years old and have any measurable BAC when operating a motor vehicle, boat, or aircraft, you may face penalties that include fines, alcohol programs, jail time, and loss of your driver’s license.

What are the chemical test refusal penalties in Alaska?

Like other states, Alaska has an implied consent law. When you signed for your driver’s license, you agreed to submit to a chemical test if you’re suspected of driving under the influence. Refusal to submit to a preliminary breath test when asked by law enforcement is an infraction in the state of Alaska, and you may face fines, installation of an ignition interlock device, jail time, or other penalties.

What are the consequences of being convicted of a DUI?

The penalties for driving under the influence of alcohol or drugs in Alaska are severe, and may include fines, court costs, probation, revocation of your driver’s license, installation of an ignition interlock device, increased insurance premiums, mandatory participation in an alcohol education program, jail time, and more. Considering how inexpensive a taxi is and how priceless a human life is, the choice to never drink and drive should be easy.

Does Alaska offer driver improvement courses to reduce my insurance premium?

Alaska’s Division of Motor Vehicles approves numerous classroom and online driver improvement courses that motorists can take to remove points from their record, dismiss traffic tickets, and qualify for auto insurance discounts with most carriers. These courses build better driving habits and refresh your driving skills, so it makes sense that insurance companies want to reward voluntary participation.

Is there any way I can reduce the cost of my Alaska car insurance?

The simplest way to reduce your Alaska car insurance costs is to ask your provider about discounts for good driving, eco-friendly vehicles, anti-theft devices, automatic payments, and more. You can also lower the cost of your premium by eliminating unnecessary coverage, maintaining a good credit score, opting for a higher deductible, and by taking a little time to shop around and compare quotes.

What is uninsured motorist coverage and is it required in Alaska?

Uninsured motorist (UM) coverage is not required in Alaska but is recommended in the amounts of $50,000 bodily injury per person and $100,000 bodily injury per accident, along with property damage coverage in the amount of $25,000. This type of insurance protects motorists and passengers who are involved in an accident with an uninsured driver or one who flees the scene. Alaska requires this type of coverage to be rejected by the policyholder in writing.

Compare Car Insurance Rates in Alaska for Free.

Get Quotes in Alaska in less than 3 minutes.

Welcome to
Alaska
State seal