Alaska Car Insurance Quotes & Rates (2026)

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Compare free car insurance quotes in Alaska

For a 40-year-old driver with a clean record, Alaska car insurance averages about $187 a month ($2,238 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 20% below the national average in our data. Among the Pacific states, Alaska auto insurance costs more than in Hawaii and Oregon but less than in California and Washington. GEICO has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and State Farm) that are among insurers anyone can buy from, at about $157 a month.

Alaska car insurance: key numbers

• Full coverage: about $187 a month ($2,238 a year)
• Liability only (50/100/25): about $56 a month
• Lowest-priced insurer: GEICO has the lowest full-coverage average of the four major insurers we compared that are among insurers anyone can buy from, at about $157 a month
• Recent price change: +0.9% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Municipality of Anchorage (about $197 a month) and Ketchikan Gateway Borough (about $149)

Where you live in Alaska moves your price less than which insurer you pick. The Municipality of Anchorage costs the most of the nine Alaska boroughs and census areas we price, at about $197 a month for full coverage, and Eagle River ($201) and Chugiak ($200) are the most expensive of the 17 places we price. Southeast Alaska costs the least: Ketchikan averages $149, Juneau $152 and Sitka $154. Use these averages as a benchmark, then compare Alaska auto insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 30 Alaska ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Alaska?

Alaska car insurance costs about $187 a month ($2,238 a year) on average for full coverage and $56 a month ($668 a year) for liability-only coverage at the 50/100/25 state minimum. That’s for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Alaska averages $2,238 a year, or about $187 a month, for our benchmark driver. Liability-only coverage at Alaska’s 50/100/25 minimum averages $668 a year ($56 a month), and 50/100/50 liability with comprehensive and collision averages $2,154 ($180 a month).

• Full coverage (100/300/100, $500 deductibles): $2,238 a year ($187 a month)
• 50/100/50 with $500 deductibles: $2,154 a year ($180 a month)
• Liability only (50/100/25): $668 a year ($56 a month)
• Anchorage: $2,364 a year ($197 a month) for full coverage
• Fairbanks: $2,266 a year ($189 a month) for full coverage
• Wasilla: $2,284 a year ($190 a month) for full coverage
• Juneau: $1,829 a year ($152 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Alaska Compares With Other Pacific States

Alaska borders no other state, so this chart compares it with the other states in the Census Bureau’s Pacific division. Alaska’s average is about $145 a month below California’s, $39 above Hawaii’s, $14 above Oregon’s and $67 below Washington’s. It’s tied with Tennessee for the 17th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Alaska: Companies Compared

Looking for cheap car insurance in Alaska? Start with GEICO: it has the lowest full-coverage average of the insurers anyone can buy from, about $157 a month, followed by Progressive at $174 and State Farm at $194. Allstate has the highest average of these four insurers, $265. USAA, which sells only to military families, averages $143; we list it separately. The bullets and table below show all five major insurers we compared and the two marked *.

• Lowest average among insurers anyone can buy from, full coverage: GEICO, at about $157 a month ($1,879 a year).
• Next lowest any driver can buy: Progressive, at about $174 a month, then State Farm at $194.
• Military families: USAA averages about $143 a month statewide, but only for eligible members.
• Lowest liability-only average among insurers anyone can buy from (50/100/25): GEICO, at about $46 a month, then Allstate and State Farm, effectively tied at $62 and $64. USAA, which sells only to military families, is lower still, at about $35 a month.
• Also on our list: Umialik at about $209 a month for full coverage and Western National at $290.
• Most expensive among these four insurers: Allstate, at about $265 a month for full coverage, $1,300 a year more than GEICO.

GEICO has the lowest full-coverage average among the insurers in our Alaska rate data that are among insurers anyone can buy from. USAA, which sells only to military members, veterans and their families, has a lower average still ($143 a month). The published 2026 statewide Alaska rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. Two put Progressive first and one State Farm. For liability-only coverage at 50/100/25 limits, GEICO has the lowest average among these four insurers that are among insurers anyone can buy from, at about $46 a month, followed by Allstate and State Farm, effectively tied at $62 and $64. USAA, which sells only to military families, is lower still, at about $35 a month.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Alaska

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Rates change by city and ZIP code across Alaska. Enter yours to compare quotes.

How Alaska’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Alaska?

Slightly, for our benchmark driver. Comparing the same insurers in the same Alaska ZIP codes, full coverage averaged $2,219 a year nine months earlier and $2,238 in rates as of Aug. 31, 2026, a 0.9% increase. Allstate cut its Alaska average 1.1%, while USAA raised its average 3.7% and State Farm 3.0%; GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 50/100/25 limits fell 2.9%, led by USAA, which cut its liability-only average 15.8%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Alaska Car Insurance Costs

Alaska’s full-coverage average is tied with Tennessee’s for the 17th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Southeast Alaska costs the least. Ketchikan ($149 a month), Juneau ($152) and Sitka ($154) are the three least expensive of the 17 Alaska places we price, and Progressive has the lowest full-coverage average of these four insurers in all three, about $108 a month in Juneau, though GEICO has the lowest statewide among insurers anyone can buy from.
• The Anchorage area costs the most. The Municipality of Anchorage ($197 a month) and the Matanuska-Susitna Borough ($193) are the two most expensive of the nine Alaska boroughs and census areas we price, and Eagle River, Chugiak and Palmer top our city table at $199 to $201.
• Uninsured motorist coverage is on unless you turn it down. Alaska insurers must offer uninsured and underinsured motorist coverage in writing, and if you don’t sign to reject it or pick other limits, your policy carries it at your liability limits, according to the Division of Insurance.

Alaska Car Insurance Rates by City

Eagle River, Chugiak and Palmer are the three most expensive of the 17 Alaska places we price, at about $199 to $201 a month for full coverage, followed by Anchorage at $197. Ketchikan is the least expensive of the 17, at $149, with Juneau and Sitka next. Fairbanks averages $189 and Wasilla $190. Quadrant prices a sample of 30 Alaska ZIP codes, so most places in the table are a single ZIP code; JBER and Fort Wainwright are military bases with their own postal names.

The table lists all 17 Alaska places in our data by mailing address, using the ZIP codes filed under each name, from most to least expensive. Search it for your town.

Alaska City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Alaska Car Insurance Rates by Borough or Census Area

The Municipality of Anchorage is the most expensive borough or census area in our data, at about $197 a month for full coverage, followed by the Matanuska-Susitna Borough ($193) and the Fairbanks North Star Borough ($189). The least expensive of the nine we price are the Ketchikan Gateway Borough ($149), the City and Borough of Juneau ($152) and the City and Borough of Sitka ($154). We price nine of Alaska’s 30 boroughs and census areas. Alaska has no counties; the Census Bureau’s county-level areas there are its boroughs, including the Municipality of Anchorage, and census areas.

How Much More Does Better Coverage Cost in Alaska?

Raising liability limits from 50/100/50 to 100/300/100 adds about $84 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $42 less a year (Allstate) to $217 more (Progressive). Statewide, that’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate and USAA charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Alaska Car Insurance Rules at a Glance

What Are Alaska Car Insurance Requirements?

Alaska requires liability insurance of at least $50,000 per person and $100,000 per crash for injuries and $25,000 for property damage (50/100/25) on vehicles that must be registered. Insurers must also offer uninsured and underinsured motorist coverage, and your policy includes it at your liability limits unless you reject it in writing.

• Bodily injury liability: $50,000 per person and $100,000 per crash, according to the Alaska Division of Insurance and the DMV.
• Property damage liability: $25,000 per crash.
• Uninsured and underinsured motorist coverage: insurers must offer it in writing, for injuries and for property damage as separate coverages. If you don’t sign to reject it or choose other limits, Alaska law requires your policy to carry it at the same limits as your liability coverage, according to the Division of Insurance consumer guide.
• Proof of insurance: you must have it with you whenever you drive, and since July 1, 2013, you can show it on your phone under a 2013 state law. Showing it on your phone doesn’t give an officer consent to look at anything else on the device.

The liability-only prices on this page use those 50/100/25 limits, with 50/100 uninsured and underinsured motorist coverage. Alaska doesn’t require personal injury protection. Medical payments coverage is optional; it pays hospital, medical and funeral expenses for you or others hurt in your vehicle without anyone having to be found at fault, according to the Division of Insurance. Collision and comprehensive coverage are optional too. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.

Where Alaska’s Insurance Law Applies

In areas where vehicle registration isn’t mandatory, insurance isn’t required either, according to the DMV. Some remote communities off the road system are exempt from registration and the insurance law, and the DMV lists them. Anchorage, Fairbanks, Wasilla, Juneau, Ketchikan, Sitka, Kodiak and Bethel aren’t on that list, so the insurance law applies there.

Penalties for Driving Without Insurance in Alaska

Not keeping the required insurance can cost you your driver’s license, and in the Municipality of Anchorage your vehicle can be impounded if you don’t have proof of insurance, according to the DMV. Before a suspended license can be reinstated, you must file proof of financial responsibility (an SR-22) and pay reinstatement fees, according to the Division of Insurance, and after a crash in which you were uninsured, the SR-22 must stay on file with the DMV for three years.

After a crash in which anyone is hurt or killed, or property damage to any one person exceeds $501, the mandatory insurance and financial responsibility laws apply, and the DMV’s certificate of insurance form is due within 15 days. If you may be liable and can’t show financial responsibility, the DMV can suspend your license for three years, and you’ll need an SR-22 and a $100 to $500 reinstatement fee to get it back. Alaska law also requires you to report a crash that causes death, injury or $2,000 or more in damage to the police, according to the Division of Insurance.

Credit, Discounts and Complaints

Alaska insurers can consider your credit-based insurance score when they decide whether to insure you and what to charge, but you can dispute the credit information they used or ask for an exception after extraordinary life circumstances, according to the Division of Insurance. Insurers can also rate on your age, sex, driving record, the type of vehicle, gaps in coverage, the amount of coverage you buy and the miles you drive, according to the division.

Alaska law requires insurers to give a discount to a primary driver over 55 who completes a DMV-approved accident prevention course, for three years after the course, according to the Division of Insurance. Drivers who can’t find an insurer because of a poor record may qualify for the Alaska Automobile Insurance Plan, the state’s assigned-risk plan, and the division takes complaints about insurers at 907-269-7900.

How to Lower Your Car Insurance Rate in Alaska

1. Quote several insurers. Among the four major insurers we compared in Alaska, the lowest and highest averages are about $108 a month apart for the same driver and car.
2. Compare GEICO and Progressive first. They have the two lowest full-coverage averages among insurers anyone can buy from statewide in our data, about $157 and $174 a month.
3. Keep proof of insurance on your phone. Alaska law has let drivers show proof of insurance on a phone since July 1, 2013, and you must have proof with you whenever you drive, according to the Alaska Division of Insurance.
4. Over 55? Take an approved driving course. Alaska law requires insurers to discount a primary driver over 55 who completes a DMV-approved accident prevention course, for three years after the course, according to the Alaska Division of Insurance.
5. Know how credit is used. Alaska insurers can consider your credit-based insurance score, but you can dispute the credit information or ask for an exception after extraordinary life circumstances, according to the Alaska Division of Insurance.
6. Turned down because of your record? The Alaska Automobile Insurance Plan, the state’s assigned-risk plan, covers drivers who can’t find an insurer, according to the Alaska Division of Insurance.
7. Compare at every renewal. Over the past nine months, Allstate has cut its statewide average 1.1%, while USAA has raised its average 3.7% and State Farm 3.0%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Alaska home insurance rates and our home insurance guides for Anchorage and Fairbanks, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Alaska Car Insurance Quotes

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How We Calculated Alaska Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 150 full-coverage premiums from five insurers across 30 Alaska ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count and ZIP codes: our Alaska averages come from five insurers, one of them USAA, which sells only to military families, priced in the 30 Alaska ZIP codes Quadrant samples, from Anchorage and Fairbanks to Bethel, Juneau and Ketchikan. Most places outside Anchorage, Fairbanks and Wasilla are one ZIP code. With few insurers, the averages can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Alaska’s 50/100/25 minimum, with 50/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Alaska insurers must offer uninsured and underinsured motorist coverage, and if you don’t sign to reject it or pick other limits, your policy includes it at your liability limits, according to the Alaska Division of Insurance.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Alaska rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Alaska law and the Alaska Division of Insurance. We refresh these figures when new rate data is released.

Alaska Car Insurance FAQ