Low-cost car insurance in Alaska

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Drivers in Alaska can find the cheapest average premium with Progressive, at $1,752 per year. By comparison, the statewide average monthly cost is $185. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Alaska requires drivers to carry at least $50,000 in bodily injury coverage per person, $100,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Alaska, depending on your situation.

Key Takeaways

Progressive has the cheapest average premium in Alaska, coming in at $1,752 per year – about $463 compared to the state average.
For drivers with an at-fault accident on their record, State Farm offers the lowest rates, with annual costs averaging $2,897.
The 99901 ZIP code is the least expensive area in Alaska for car insurance, with an average yearly premium of $1,811.

Low-cost car insurance companies in Alaska

Progressive offers the lowest car insurance rates in Alaska, with an average annual premium of $1,752 per year. It’s $463 less expensive than the average car insurance cost in Alaska. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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 99901 benefit from the lowest average premium in the state, at $1,811 per year. See the table below to find other ZIP codes in Alaska where insurance tends to be cheaper.

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

A single speeding ticket in Alaska can push your rates up by 33%, or about $722. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage 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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. State Farm is the lowest-cost option for these drivers, with an average annual premium of $2,897.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Alaska keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Alaska, the average cost of full coverage is $298 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Alaska, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost 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.