Average Renters Insurance Cost in Alaska

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Renters insurance costs in Alaska vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Alaska pay $269 per year or $22 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Alaska is $269 per year or $22 per month.
Western National Insurance provides the least expensive renters insurance in Alaska at an average rate of $151 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Alaska.

Average renters insurance cost in Alaska per month

In Alaska, the average monthly cost of renters insurance is $22. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$22	$2 less

Average renters insurance cost in Alaska by company

Western National Insurance offers the most affordable renters insurance in Alaska at an average annual rate of $151, followed by Allstate and State Farm, based on our data.

However, you should get multiple quotes from various renters insurance companies in Alaska because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Alaska.

Company	Average annual rate	Average monthly rate
Western National Insurance	$151	$13
Allstate	$156	$13
State Farm	$180	$15
Country Financial	$195	$16
USAA*	$401	$33

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

Renters insurance calculator in Alaska

$246/year

Estimated renters insurance rates in Alaska

$21

Monthly renters insurance cost in Alaska

-9%

Compared to national average

Average cost of renters insurance in Alaska by coverage level

As we discussed above, the average cost of renters insurance in Alaska is $269 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $213 per year for renters insurance in Alaska, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Alaska for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$206	$17
$20,000 with $500 Deductible and $300,000 Liability	$229	$19
$20,000 with $1,000 Deductible and $100,000 Liability	$191	$16
$20,000 with $1,000 Deductible and $300,000 Liability	$213	$18
$40,000 with $500 Deductible and $100,000 Liability	$266	$22
$40,000 with $500 Deductible and $300,000 Liability	$289	$24
$40,000 with $1,000 Deductible and $100,000 Liability	$246	$21
$40,000 with $1,000 Deductible and $300,000 Liability	$269	$22
$60,000 with $500 Deductible and $100,000 Liability	$323	$27
$60,000 with $500 Deductible and $300,000 Liability	$346	$29
$60,000 with $1,000 Deductible and $100,000 Liability	$301	$25
$60,000 with $1,000 Deductible and $300,000 Liability	$324	$27

Average cost of renters insurance in Alaska by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Alaska and find the best fit for your budget.

Renters insurance rates in Alaska by city

See rates in your city

Anchorage

Fairbanks

Average cost of renters insurance in Alaska by ZIP code

The cost of renters insurance in Alaska varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Alaska.

Most affordable ZIP codes for renters insurance in Alaska

The amount Alaska renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 99820 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $239.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Alaska.

ZIP code	City	Average annual rate	Average monthly rate
99820	Angoon	$239	$20
99821	Auke Bay	$239	$20
99918	Coffman Cove	$239	$20
99921	Craig	$239	$20
99824	Douglas	$239	$20
99825	Elfin Cove	$239	$20
99826	Gustavus	$239	$20
99827	Haines	$239	$20
99829	Hoonah	$239	$20
99923	Hyder	$239	$20

Least affordable ZIP codes for renters insurance in Alaska

99567 is the most expensive ZIP code for renters insurance in Alaska, at an average cost of $294 annually or $24 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Alaska. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
99567	Chugiak	$294	$24
99587	Girdwood	$294	$24
99540	Indian	$294	$24
99556	Anchor Point	$292	$24
99599	Anchorage	$292	$24
99652	Big Lake	$292	$24
99586	Chistochina	$292	$24
99566	Chitina	$292	$24
99568	Clam Gulch	$292	$24
99610	Cohoe	$292	$24

Final thoughts: Average renters insurance in Alaska

Renters insurance is essential for residents of Alaska. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.