Country Financial is the best homeowners insurance company in Alaska, based on a 2023 analysis by Insurance.com, with an overall rating of 4.83. Western National Mutual is the second-best home insurance company in Alaska, with an overall rating of 4.78.
With so many options out there, it is not easy to choose a homeowners insurance company in Alaska. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
Key takeaways
- The average cost of homeowners insurance in Alaska is $1,799 a year or $150 a month.
- The cheapest homeowners insurance company in Alaska is Country Financial. It offers home insurance at an average of $1,343 a year.
Average home insurance cost in Alaska
The average cost of homeowners insurance in Alaska is $1,799 a year or $150 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Alaska homeowners insurance companies to get the best deal.
Best home insurance companies in Alaska
The best home insurance company in Alaska for 2023 is Country Financial, followed by Western National Mutual and State Farm.
Below is a full list of the top Alaska insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in Alaska
Below are Alaska home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Country Financial has the most affordable rates in every category by a wide margin.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Country Financial | $999 | $1,343 | $1,730 | $2,118 | $2,569 |
| Western National Mutual | $1,019 | $1,391 | $1,780 | $2,167 | $2,555 |
| Allstate | $1,324 | $1,822 | $2,292 | $2,776 | $3,176 |
| State Farm | $1,369 | $1,764 | $2,147 | $2,596 | $2,988 |
| USAA | $1,867 | $2,281 | $2,660 | $3,038 | $3,405 |
Alaska home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Alaska to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
The most expensive ZIP codes in Alaska for home insurance
The home insurance rate you pay depends a lot on where your property is located. It means that rates vary depending upon the ZIP code, with some areas having considerably higher rates than others for home insurance.
We have compared quotes from all the major home insurance companies in Alaska for nearly all the ZIP codes. Alaska homeowners insurance rates are the most expensive for ZIP code 99681. Its average annual cost is $3,034.
The most expensive ZIP codes in Alaska are in these cities:
| ZIP code | Average annual rates |
|---|---|
| 99681 | $3,034 |
| 99752 | $3,032 |
| 99637 | $3,014 |
| 99630 | $3,014 |
| 99690 | $2,974 |
| 99789 | $2,966 |
The least expensive ZIP codes in Alaska for home insurance
The cheapest ZIP codes for home insurance in Alaska are:
| ZIP code | Average annual rates |
|---|---|
| 99835 | $1,204 |
| 99821 | $1,276 |
| 99801 | $1,283 |
| 99824 | $1,285 |
| 99833 | $1,288 |
| 99516 | $1,328 |
