Average home insurance cost in Alaska
The average cost of homeowners insurance in Alaska is $1,397 a year or $116 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 Western National Insurance, followed by Country Financial 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 Western National Insurance has the most affordable rates in every category by a considerable margin.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,794 | $2,385 | $2,951 | $4,081 | $6,165 |
| Country Financial | $1,034 | $1,390 | $1,791 | $2,660 | $4,079 |
| State Farm | $1,341 | $1,674 | $1,969 | $2,502 | $3,293 |
| Western National Insurance | $958 | $1,135 | $1,409 | $1,941 | $2,793 |
| USAA | $1,127 | $1,402 | $1,642 | $2,063 | $2,572 |
*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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Alaska Division of Insurance says...
An insurer may not cancel, deny, nonrenew, underwrite, or rate personal insurance coverage based in whole or in part on a variety of factors set forth in AS 21.36.460 including not having a credit history, being adversely affected by a joint account owner, or having a credit history or insurance score based on collection accounts identified with a medical history code.
- The Alaska Division of InsuranceThe most expensive ZIP codes in Alaska for home insurance
The home insurance rate you pay depends a lot on where your property is located. This means that rates vary depending on 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 99786. Its average annual cost is $1,848.
The most expensive ZIP codes in Alaska are in these cities:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Ambler | 99786 | $1,848 |
| Circle | 99733 | $1,833 |
| Central | 99730 | $1,833 |
| Barrow | 99723 | $1,829 |
| Eagle | 99738 | $1,827 |
| Nuiqsut | 99789 | $1,797 |
| Wainwright | 99782 | $1,797 |
| Point Lay | 99759 | $1,797 |
| Atqasuk | 99791 | $1,797 |
| Kaktovik | 99747 | $1,797 |
Alaska homeowners insurance rates by county
Home insurance rates in Alaska vary by county. Take a look at the average rates by county in Alaska below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Aleutians East | $1,352 | $113 |
| Aleutians West | $1,331 | $111 |
| Anchorage | $1,317 | $110 |
| Bethel | $1,552 | $129 |
| Bristol Bay | $1,589 | $132 |
| Denali | $1,599 | $133 |
| Dillingham | $1,635 | $136 |
| Fairbanks North Star | $1,539 | $128 |
| Haines | $1,081 | $90 |
| Hoonah-Angoon | $1,223 | $102 |
| Juneau | $1,138 | $95 |
| Kenai Peninsula | $1,412 | $118 |
| Ketchikan Gateway | $1,224 | $102 |
| Kodiak Island | $1,455 | $121 |
| Kusilvak | $1,405 | $117 |
| Lake And Peninsula | $1,617 | $135 |
| Matanuska-Susitna | $1,426 | $119 |
| Nome | $1,645 | $137 |
| North Slope | $1,782 | $149 |
| Northwest Arctic | $1,697 | $141 |
| Petersburg | $1,266 | $106 |
| Prince of Wales-Hyder | $1,209 | $101 |
| Sitka | $1,222 | $102 |
| Skagway | $1,054 | $88 |
| Southeast Fairbanks | $1,494 | $125 |
| Valdez-Cordova | $1,540 | $128 |
| Wrangell | $1,084 | $90 |
| Yakutat | $1,105 | $92 |
| Yukon-Koyukuk | $1,601 | $133 |
The least expensive ZIP code in Alaska for home insurance
The cheapest ZIP codes for home insurance in Alaska are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Douglas | 99824 | $1,051 |
| Skagway | 99840 | $1,054 |
| Sitka | 99835 | $1,054 |
| Point Baker | 99927 | $1,060 |
| Petersburg | 99833 | $1,070 |
| Auke Bay | 99821 | $1,070 |
| Juneau | 99801 | $1,077 |
| Haines | 99827 | $1,081 |
| Wrangell | 99929 | $1,084 |
| Hydaburg | 99922 | $1,092 |
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.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare Alaska homeowners insurance rates with other states
