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If you’re a driver in Alaska, you probably know the importance of having car insurance. But finding the right coverage at a price that fits your budget isn’t always easy. That’s where our Alaska car insurance calculator comes in.

Our auto insurance calculator estimates your average annual and monthly costs in Alaska based on your vehicle’s make and model, helping you make smarter coverage decisions.

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

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

  • 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 estimat
  • 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 2026
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Does your vehicle model affect car insurance rates in Alaska?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,281 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $1,841, a difference of $440.

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

In Alaska, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $2,812, compared to $2,188 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Alaska, you must have at least the minimum liability coverage to drive legally. This typically includes:

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

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Alaska can result in fines, license suspension or 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

Your car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.

For example, a 2023 Honda Accord LX costs $2,812 per year to insure in Alaska, whereas the EX-L trim costs $2,298, a difference of $514 annually.

Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding.

What drivers pay for car insurance in Alaska

In Alaska, the average cost of full coverage car insurance is $2,215 per year, or $185 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in Alaska, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

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 much is car insurance in Alaska by city

In Alaska, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Anchorage pay about $2,543 per year for a full coverage policy, where as drivers in Ketchikan pay $1,811 annually.

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 the Alaska car insurance calculator

Use the Alaska car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find 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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