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.

Best home insurance companies in Alaska
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Country FinancialA+$1,3430.144.83
Western National MutualA+$1,3910.114.78
State FarmA++$1,7641.073.85
USAAA++$2,2810.413.44
AllstateA+$1,8222.043.09

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.

Cheapest home insurance rates in Alaska by coverage level
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 Florida
$200,000
$200,000 $300,000 $400,000 $500,000 $600,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least expensive

ZIP CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

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 codeAverage 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 codeAverage annual rates
99835$1,204
99821$1,276
99801$1,283
99824$1,285
99833$1,288
99516$1,328

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

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