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If you drive in Alaska, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Alaska car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Alaska, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Alaska

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.
Data last refreshed in 2025
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Does your vehicle model affect car insurance rates in Alaska?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Alaska is $2,281, while the average premium for a Honda CR-V is $1,841 – that’s a difference of $440 annually.

Does your car’s model year affect insurance rates in Alaska?

In Alaska, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,812 per year, while the 2024 model costs $2,188 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Alaska is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Alaska can lead to fines, license suspension and even vehicle impoundment.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Alaska

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Alaska, full coverage car insurance for a 2023 Honda Accord LX costs $2,812 a year, while the higher-end Accord EX-L trim costs $2,298 annually – a difference of $514 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

Car insurance estimate in Alaska

Drivers in Alaska pay an average of $2,215 per year or $185 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Alaska. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,215$185
Liability Only – 50/100/50 BI/PD$542$45
State Minimum BI/PD$415$35
Non-Owners$168$14
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How car insurance prices compare across Alaska cities

Car insurance premiums in Alaska can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $2,543 per year in Anchorage, compared to $1,811 in Ketchikan.

Top 20 cities with cheapest car insurance rates in Alaska

CityAvg. Annual PremiumAvg. Monthly Premium
Ketchikan$1,811$151
Douglas$1,814$151
Juneau$1,834$153
Coffman Cove$1,839$153
Ward Cove$1,839$153
Wrangell$1,850$154
Angoon$1,852$154
Meyers Chuck$1,854$154
Port Alexander$1,855$155
Sitka$1,855$155
Point Baker$1,857$155
Thorne Bay$1,857$155
Gustavus$1,858$155
Hydaburg$1,858$155
Petersburg$1,859$155
Hyder$1,860$155
Kake$1,860$155
Pelican$1,860$155
Tenakee Springs$1,860$155
Auke Bay$1,862$155
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Top 20 cities with most expensive car insurance in rates Alaska

CityAvg. Annual PremiumAvg. Monthly Premium
Anchorage$2,543$212
Big Lake$2,513$209
Knik-Fairview$2,504$209
Fairbanks$2,441$203
Steele Creek$2,438$203
Fort Wainwright$2,433$203
Badger$2,430$202
Two Rivers$2,430$203
College$2,415$201
Palmer$2,409$201
Sutton-Alpine$2,399$200
Eagle River$2,393$199
Chugiak$2,390$199
Houston$2,366$197
Wasilla$2,349$196
Willow$2,343$195
Prudhoe Bay$2,324$194
Chicken$2,323$194
Jber$2,317$193
Clear$2,316$193
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Want to know what you’ll pay? Use our Alaska car insurance calculator

Our car insurance calculator for Alaska factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal.

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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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