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If you’re driving in Alaska, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our Alaska car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in Alaska. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage. commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

How much is vehicle model important in calculating car insurance in Alaska

In Alaska, the type and model of your car can really affect how much you pay for car insurance. Insurers look at things like your car’s make and model to decide on the cost of premiums.

For example, the yearly car insurance cost for a full coverage policy on a 2022 Acura ILX 2.4L is $1,307, while the average insurance premiums for a Toyota 4Runner Limited in Alaska are $1,472 annually. That’s a difference of $165 more compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Alaska using car model year

In Alaska and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $820 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $1,396.

Does the cost of car insurance in Alaska decrease as a vehicle gets older?

In general, car insurance costs decrease for older car models in Alaska. As a vehicle ages, it typically loses value due to depreciation. Since car insurance covers the cost of repair or replacement of a vehicle, the insurance company’s liability decreases when insuring an older vehicle. This results in lower Alaska car insurance premiums.

Individuals driving a 2020 Honda Accord LX in Alaska pay $121 monthly for a full coverage car insurance policy; conversely, car insurance for the 2022 Honda Accord LX costs every month in Alaska is $109 which is $12 less than the 2020 model.

Older vehicles may be less attractive to thieves than newer models with advanced security features. The lower risk of theft can also lead to lower insurance premiums.

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

Car insurance rates in Alaska by city

Car insurance cost estimate in Alaska

The typical cost for car insurance in Alaska is around $1,359 annually or $113 per month. However, your actual premium might differ depending on the coverage you select. Here’s an estimate of car insurance expenses in Alaska for various coverage levels.

50/100/50 Liability OnlyFull CoverageNon-Owner State Minimum Liability OnlyState Minimum Liability Only
$414 $1,359 $233 $336

The bottom line: Alaska car insurance calculator

The car insurance calculator for Alaska figures out your rates using things like where you are and the year, make, and model of your vehicle. Just put in your details, and the calculator gives you an idea of what you might pay. Keep in mind that rates can differ, so it’s smart to get quotes from a few different insurance companies to find the best deal for what you need.

How much is car insurance in other states

Washington D.C.$1,858/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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