- Best car insurance company in Alaska: GEICO
- Cheapest car insurance company in Alaska: Progressive
- Average cost of car insurance in Alaska
- Alaska car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Alaska
- Cheapest car insurance cost in Alaska by age
- Cheapest car insurance companies in Alaska by driver profile
- Compare auto insurance rates by city in Alaska
- Car insurance premium trends in Alaska
- Methodology
- Compare Alaska car insurance rates with other states
Best car insurance company in Alaska: GEICO
GEICO is the best car insurance company in Alaska, based on our data analysis, with an overall rating of 4.71. State Farm, Progressive and Allstate are also among the top car insurance companies in Alaska based on price, NAIC complaint ratio, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 637 | 0.69 | $1,338 | 4.71 |
| State Farm | A++ | 656 | 0.79 | $1,713 | 4.39 |
| Progressive | A+ | 607 | 0.71 | $1,742 | 3.62 |
| Allstate | A+ | 626 | 1.1 | $2,114 | 2.96 |
| USAA | A++ | 743 | 1.18 | $1,166 | 4.5 |
Cheapest car insurance company in Alaska: Progressive
Based on a rate analysis by Insurance.com, USAA offers the cheapest full coverage car insurance in Alaska, with average rates of $1,575 annually, but it isn’t available to everyone. Progressive is the cheapest company open to all drivers, with an average annual rate of $1,752 for full coverage in Alaska.
GEICO is the cheapest company for state minimum liability, with an average annual rate of $345. USAA has cheaper rates if you are eligible. At $436 annually, GEICO also offers the cheapest liability-only car insurance in Alaska.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers and put together a list of the cheapest car insurance companies in Alaska.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Progressive | $423 | $661 | $1,752 |
| GEICO | $345 | $436 | $1,818 |
| State Farm | $575 | $677 | $2,523 |
| Allstate | $432 | $548 | $2,791 |
| Western National Insurance | $443 | $566 | $2,832 |
| USAA | $272 | $364 | $1,575 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Alaska
The average cost of car insurance in Alaska is $2,215 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Alaska is $415.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Alaska
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Jber | $934 | $78 |
| Eagle River | $928 | $77 |
| Chugiak | $921 | $77 |
| Palmer | $884 | $74 |
| Big Lake | $880 | $73 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Anchorage | $1,024 | $85 |
| Ketchikan | $569 | $47 |
| Ward Cove | $570 | $48 |
| Coffman Cove | $570 | $48 |
| Angoon | $574 | $48 |
The Alaska Division of Insurance says...
Alaska law requires companies to give a discount to any primary driver who is over age 55 and who voluntarily completes a motor vehicle accident prevention course approved by the Division of Motor Vehicles. The discount must be applied for the three years following the successful completion of the course.
- The Alaska Division of InsuranceAlaska car insurance requirements
In Alaska, you need a minimum of 25/50/25 liability car insurance coverage. Alaska’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $415 annually or $35 monthly.
Minimum liability insurance requirements for Alaska:
- Bodily injury liability (BI): $50,000 per person, $100,000 per accident
- Property damage liability (PD): $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in Alaska
According to Insurance.com data, GEICO provides the cheapest state minimum liability insurance, averaging $436 annually or $36 monthly. USAA offers cheaper rates, but has eligibility criteria.
Below is the list of Alaska's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $436 | $36 |
| Allstate | $548 | $46 |
| Western National Insurance | $566 | $47 |
| Progressive | $661 | $55 |
| State Farm | $677 | $56 |
| USAA | $364 | $30 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Alaska by age
In Alaska, car insurance rates are higher for teenagers as they’re more prone to accidents.
Progressive offers the cheapest car insurance for a 16-year-old driver in Wisconsin at $4,914 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Alaska, GEICO offers the cheapest car insurance for a 25-year-old driver at $1,708 per year. GEICO offers the cheapest car insurance for a 65-year-old driver at $1,343 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Progressive | $4,914 | $409 |
| USAA | $7,583 | $632 |
| Western National Insurance | $7,792 | $649 |
| GEICO | $8,086 | $674 |
| State Farm | $9,283 | $774 |
| Allstate | $9,394 | $783 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Alaska by driver profile
Drivers with accidents or tickets are considered high-risk drivers and will pay higher car insurance rates. In Alaska, State Farm offers the cheapest car insurance rates for drivers with an accident, at $2,897 per year. USAA offers cheaper rates for drivers with an accident but has eligibility criteria. However, the severity and frequency of the incidents will impact how much insurance rates increase.
USAA is the cheapest car insurance company in Alaska for drivers with speeding tickets at $2,044 per year. However, it covers specifically the military community. Progressive is the cheapest option for most drivers at $2,602 per year.
Below are average Alaska rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Progressive | $1,752 | $3,394 | $2,602 |
| State Farm | $2,523 | $2,897 | $2,680 |
| Allstate | $2,791 | $4,060 | $3,294 |
| GEICO | $1,818 | $2,903 | $3,341 |
| USAA | $1,575 | $2,377 | $2,044 |
*USAA offers car insurance only to military members, veterans, and their families.
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, 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. 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 premium 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
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
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