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State Farm, GEICO, and USAA are among the cheapest car insurance providers in Alaska.
In Alaska, full-coverage car insurance averages $117 per month, compared to the national average of $186. Your actual cost depends on multiple factors, such as your age, driving history, and where you live. Getting quotes from several insurance companies is the most effective way to determine your personal rate.
This guide breaks down Alaska's most affordable car insurance options by coverage type, driver profile, and insurance company.
Affordable full-coverage car insurance in Alaska
Full-coverage insurance in Alaska averages $117 monthly, compared to $186 nationally. Among the cheapest car insurance providers in Alaska are State Farm, GEICO, and USAA.
| Average monthly full coverage cost | |
| Alaska average | $117 |
| National average | $186 |
| State Farm | $127 |
| GEICO | $131 |
| USAA | $143 |
| Allstate | $221 |
Affordable liability-only car insurance in Alaska
For most affordable liability car insurance providers in Alaska, State Farm, GEICO, and USAA lead the pack.
In Alaska, liability-only coverage averages $85 monthly, while the national average sits at $104.
| Average monthly liability-only cost | |
| Alaska average | $85 |
| National average | $104 |
| State Farm | $93 |
| GEICO | $96 |
| USAA | $105 |
| Allstate | $162 |
Cheap car insurance in Alaska by age
Age significantly impacts insurance costs. Teenage drivers typically face the steepest rates, with car insurance for teens averaging $211 monthly in Alaska because of their limited driving experience.
Rates start declining as drivers enter their 20s, averaging $161 per month. Drivers in their 30s and 40s see continued decreases, paying around $121 and $124 monthly, respectively.
Costs can climb again for drivers in their 60s and older. Alaska seniors average $90 monthly in their 60s and $80 in their 70s.
These age-related premium fluctuations reflect varying risk levels across age groups, with inexperienced younger drivers considered higher risk and older drivers sometimes facing increased rates due to health considerations and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $211 | $153 |
| 20s | $161 | $117 |
| 30s | $121 | $88 |
| 40s | $124 | $90 |
| 50s | $113 | $82 |
| 60s | $90 | $65 |
| 70s | $80 | $58 |
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Cheap car insurance in Alaska for high-risk drivers
Drivers with moving violations or accidents typically pay higher insurance premiums. Based on rates for car insurance if you have a bad driving record, here are Alaska's average costs for drivers with an accident, speeding ticket, or DUI.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $164 | $119 |
| Speeding ticket | $198 | $144 |
| DUI | $265 | $193 |
Compare low-cost car insurance after an accident
For Alaska drivers with an accident on their record, State Farm, GEICO, and USAA provide affordable options. Drivers with an accident pay an average of $164 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $171 | $125 |
| GEICO | $172 | $126 |
| USAA | $194 | $143 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Alaska drivers with a speeding ticket can find competitive rates with State Farm, GEICO, and USAA. Full coverage for drivers with a speeding ticket averages $198 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $187 | $137 |
| GEICO | $199 | $146 |
| USAA | $214 | $157 |
Compare low-cost car insurance after DUI conviction
Alaska drivers with a DUI can secure affordable full coverage through State Farm, GEICO, and USAA. Full coverage for drivers with a DUI averages $265.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $237 | $173 |
| GEICO | $242 | $177 |
| USAA | $266 | $196 |
Cheap car insurance in Alaska by credit score
Drivers with excellent credit in Alaska pay an average of $103 monthly. Drivers with poor credit face significantly higher premiums, starting at $154 per month.
This rate difference demonstrates how credit scores influence insurance pricing, with poor credit typically resulting in higher premiums because of the perceived risk of missed payments.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $103 | $75 |
| Good | $107 | $77 |
| Average | $118 | $86 |
| Poor | $154 | $112 |
FAQs
What makes Alaska's car insurance requirements different from other states?
Alaska requires drivers to carry higher liability limits than most states, with minimum coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. However, if you live in remote areas where vehicle registration isn't required, car insurance becomes optional unless you have six or more violation points on your record within the past five years. This unusual provision reflects Alaska's vast, sparsely populated regions.
What should Alaska drivers know about DUI penalties and insurance impacts?
Alaska enforces some of the toughest DUI laws in the United States, with first-time offenders facing mandatory jail time of at least 72 hours and fines ranging from $1,500 to $25,000. Insurance costs for the offender will increase by approximately 94% after a DUI conviction, and they'll be required to carry an SR-22 certificate proving financial responsibility. Multiple convictions can lead to permanent license revocation and even steeper insurance penalties.
How does Alaska's tort system affect my insurance coverage decisions?
As a tort state, Alaska holds at-fault drivers financially responsible for damages and injuries they cause in accidents. This means you can file a claim directly against the at-fault driver's insurance company rather than relying solely on your own coverage. Because Alaska has a notably high number of uninsured drivers compared to many other states, it's wise to include uninsured motorist coverage in your policy to protect yourself from accidents involving drivers without sufficient insurance.
Bottom line
These companies may offer Alaska's lowest rates, but that doesn't guarantee they're the most affordable option for your specific needs. Getting quotes from multiple insurance providers and comparing them based on both cost and service quality is the best approach to finding the right company for you.
Data throughout provided by Insurify.
Average rate:
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