- How much is car insurance in Alaska?
- Alaska car insurance rates by company
- Alaska car insurance costs by coverage level
- Alaska car insurance by driver profile
- Alaska car insurance rates by age group
- How much does car insurance cost in Alaska per month?
- Alaska car insurance discounts
- Car insurance requirements in Alaska
- Car insurance rates in Alaska by model year
- Compare auto insurance rates by city in Alaska
- Car insurance premium trends in Alaska
- Methodology
- Compare Alaska car insurance rates with other states
How much is car insurance in Alaska?
The average cost of full coverage car insurance in Alaska is $1,676 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
Alaska drivers who choose to carry only the minimum car insurance will pay $398 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $1,676 |
| Average monthly premium | $140 |
Alaska car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Alaska can differ greatly from one company to another.
On average, Allstate has the lowest car insurance rates in Alaska. The table below shows average car insurance rates in Alaska from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Allstate | $324 | $405 | $2,114 |
| State Farm | $376 | $461 | $1,713 |
| Western National Insurance | $381 | $503 | $1,984 |
| GEICO | $384 | $477 | $1,338 |
| Progressive | $672 | $865 | $1,742 |
| USAA | $251 | $335 | $1,166 |
Alaska car insurance costs by coverage level
Generally, Alaska minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Alaska car insurance costs based on coverage level below.
| State minimum car insurance | $398 |
| Liability-only car insurance | $508 |
| Full coverage car insurance | $1,676 |
Alaska car insurance by driver profile
Car insurance companies consider your driving record when deciding your rates because it shows how likely you are to file a claim. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in Alaska based on driver profiles. The highest rates in Alaska are for drivers with Bad credit.
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $1,676 | $2,212 | $536 | 32% |
| Bad credit | $1,676 | $3,423 | $1,747 | 104% |
| Careless driving | $1,676 | $1,998 | $322 | 19% |
| DUI | $1,676 | $2,235 | $559 | 33% |
| Reckless driving | $1,676 | $2,293 | $617 | 37% |
| Speeding | $1,676 | $2,071 | $395 | 24% |
| Texting ticket | $1,676 | $1,920 | $244 | 15% |
Alaska car insurance rates by age group
Age has a big effect on car insurance rates. In Alaska, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Alaska based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,151 |
| Young Adults (20-24) | $2,688 |
| Adults (25-60) | $1,661 |
| Seniors (65-75) | $1,728 |
How much does car insurance cost in Alaska per month?
The average monthly cost of car insurance in Alaska depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $33 |
| Liability Only - 50/100/50 BI/PD | $42 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $140 |
Alaska car insurance discounts
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Alaska, savings can be very different from one company to another.
Take a look at the car insurance discounts available in Alaska below and see the average amount you can save.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,888 | $7 |
| Anti-Theft Device | $1,895 | $1,866 | $29 |
| Daily Commute | $1,895 | $1,778 | $117 |
| Days Advanced Purchase | $1,895 | $1,762 | $133 |
| Education | $1,895 | $1,859 | $36 |
| Electronic Funds Transfer | $1,895 | $1,802 | $93 |
| Electronic Signature | $1,895 | $1,737 | $158 |
| Homeowner | $1,895 | $1,843 | $52 |
| Lower Annual Mileage | $1,895 | $1,793 | $102 |
| Loyalty - Years Renewal With Company | $1,895 | $1,716 | $179 |
| Marital Status | $1,895 | $1,716 | $179 |
| Multi Policy | $1,895 | $1,735 | $160 |
| Paperless/Electornic Documents | $1,895 | $1,878 | $17 |
| Payment Type | $1,895 | $1,648 | $247 |
| Primary Use | $1,895 | $1,633 | $262 |
| Safety Devices | $1,895 | $1,829 | $66 |
| Telematics | $1,895 | $1,699 | $196 |
| Years Insured | $1,895 | $1,638 | $257 |
| Years Licensed | $1,895 | $1,431 | $464 |
Car insurance requirements in Alaska
Alaska requires drivers to have a minimum amount of car insurance, including:
- 50/100/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Alaska is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State minimum requirements | 50/100/25 |
| State minimum car insurance | $398 |
| Liability-only car insurance | $508 |
| Full coverage car insurance | $1,676 |
Car insurance rates in Alaska by model year
The vehicle you drive also affects Alaska car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Alaska car insurance rates below.
| Company | Style | Average annual premium |
|---|---|---|
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $1,034 |
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,372 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $1,778 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,073 |
Compare auto insurance rates by city in Alaska
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Alaska will impact what you pay. Below, we've gathered Alaska car insurance rates by city for comparison.
Car insurance premium trends in Alaska
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Alaska to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
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