Low-cost car insurance in Alaska

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Progressive provides the lowest car insurance rates in Alaska at $1,752 a year. The average premium is $185 per month in Alaska, though your actual rate may vary.

Car insurance requirements differ by state. In Alaska, drivers are required to carry at least the minimum liability coverage: $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Progressive has the lowest average car insurance premium in Alaska, costing $1,752 per year. That’s $463 the state average.
For drivers with an at-fault accident on record, State Farm offers the most affordable coverage at around $2,897 annually.
The 99901 ZIP code stands out as the cheapest area for auto insurance in Alaska, with an average yearly cost of $1,811.

Low-cost car insurance businesses in Alaska

When comparing insurers in Alaska, Progressive leads the pack with an annual average of $1,752. That’s $463 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Alaska.

Company	Average annual rates
Progressive	$1,752
GEICO	$1,818
State Farm	$2,523
Allstate	$2,791
Western National Insurance	$2,832
USAA*	$1,575

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Alaska

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Alaska

Drivers in the 99901 ZIP code pay the lowest average annual premium in Alaska, at $1,811. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
99901	Ketchikan	$1,811
99824	Douglas	$1,814
99801	Juneau	$1,834
99811	Juneau	$1,834
99918	Coffman Cove	$1,839
99928	Ward Cove	$1,839
99929	Wrangell	$1,850
99820	Angoon	$1,852
99903	Meyers Chuck	$1,854
99835	Sitka	$1,855

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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.

Car insurance rates in Alaska by city

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Low-cost car insurance in Alaska by age

Young drivers often face the highest premiums. In Alaska, for example, a 16-year-old pays $5,812 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$6,412
Young Adults (20-24)	$3,638
Adults (25-60)	$2,192
Seniors (65-75)	$2,234

Low-cost car insurance in Alaska by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Alaska

One speeding ticket in Alaska can cause your insurance rates to jump by 33%, or roughly $722 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,752	$2,602	49%	$850
State Farm	$2,523	$2,680	6%	$157
Allstate	$2,791	$3,294	18%	$503
GEICO	$1,818	$3,341	84%	$1,522
USAA*	$1,575	$2,044	30%	$469

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Alaska

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. State Farm has the lowest average rate at $2,897 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Alaska with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$2,523	$2,897	15%	$374
GEICO	$1,818	$2,903	60%	$1,085
Progressive	$1,752	$3,394	94%	$1,642
Allstate	$2,791	$4,060	45%	$1,269
USAA*	$1,575	$2,377	51%	$802

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Alaska

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Alaska offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$1,752	$2,279	$526	30%
State Farm	$2,523	$2,680	$157	6%
GEICO	$1,818	$3,376	$1,558	86%
Allstate	$2,791	$3,871	$1,079	39%
USAA*	$1,575	$2,957	$1,383	88%

*USAA is only available to military community members and their families.

Average cost of car insurance Alaska

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Alaska is $298 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Alaska, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Alaska.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Alaska. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

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.