Average home insurance cost in Alaska

The average cost of homeowners insurance in Alaska is $1,708 a year or $142 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 is Country Financial, followed by State Farm and Allstate.

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.

Best home insurance companies in Alaska
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Country FinancialA+0.264.14$1,389
State FarmA++0.834.01$1,764
AllstateA+1.462.49$1,747

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 Western National Mutual has the most affordable rates in every category by a considerable margin.

Cheapest home insurance rates in Alaska by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
Western National Mutual$1,027$1,216$1,507$2,073$3,285
Country Financial$1,033$1,389$1,791$2,662$4,373
Allstate$1,272$1,747$2,196$3,039$4,551
State Farm$1,369$1,764$2,147$2,988$4,500
USAA*$1,594$1,946$2,269$2,897$4,150

*USAA is only available to military members and their families

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 Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

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 99755. Its average annual cost is $3,094.

The most expensive ZIP codes in Alaska are in these cities:

ZIP codeAverage Annual Premium
99755$3,094
99754$3,061
99753$3,058
99681$2,919
99789$2,865
99747$2,865

The least expensive ZIP code in Alaska for home insurance

The cheapest ZIP codes for home insurance in Alaska are:

ZIP codeAverage annual rate
99824$1,220
99821$1,235
99835$1,247
99833$1,258
99820$1,280
99516$1,283

Compare homeowners insurance rates by city in Alaska

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Alaska.

CityAnnual insurance premium
Anchorage
$1,106
Bethel
$1,163
Fairbanks
$1,336
Juneau
$1,040
Ketchikan
$1,018
Sitka
$924
Wasilla
$1,336

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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