Cheapest Car Insurance in Alaska (2026)
Geico is the best and cheapest car insurance company for most drivers in Alaska, at $116 a month for full coverage and $45 a month for liability coverage.
Cheapest car insurance companies in Alaska
Cheap full coverage car insurance in Alaska: Geico
Geico offers the cheapest full coverage car insurance in Alaska at $116 a month. This is 14% less than the state average of $135.
State Farm and Progressive share second place at $126 a month.
Geico offers more car insurance discounts than State Farm or Progressive, but finding the best deal depends on which discounts you can get. For example, Geico’s multi-car discount can knock up to 25% off your bill if you insure more than one car. Progressive, on the other hand, offers a bundling discount that can save you up to $1,273 when you combine auto and home insurance.
Cheapest full coverage car insurance companies
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | Geico | $116 |  |
 | State Farm | $126 |  |
 | Progressive | $126 |  |
 | Allstate | $159 |  |
 | Umialik | $166 | |
 | USAA* | $116 | |
When you compare car insurance quotes, make sure you use the same coverage limits and deductibles Your deductible is your share of repair costs for a collision or comp claim. Your insurance company pays the rest. for each company. That way, you can see which discounts save you the most and which company offers the lowest price overall.
USAA offers rates as low as Geico’s, but it’s only available to military members and families.
Full coverage car insurance usually combines liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. , collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. coverage.
Alaska’s cheapest liability insurance: Geico
Geico, State Farm and Allstate each charge about $46 a month for liability car insurance in Alaska. Geico has the cheapest liability insurance overall at $45 a month.
Because these companies are so close in cost, discounts could make the difference in terms of which is the cheapest for you.
Optional coverages also could make a difference. Allstate offers as many optional coverages as Geico and State Farm combined. This makes Allstate a good choice if you want to customize your policy.
Cheap liability car insurance companies
| Company | Monthly rate |
|---|---|
| Geico | $45 |
| State Farm | $46 |
| Allstate | $47 |
| Progressive | $52 |
| Umialik | $69 |
| USAA* | $31 |
Cheap auto insurance for young drivers in Alaska: Allstate
For young drivers in Alaska, Allstate offers the cheapest liability coverage at $107 a month. Geico is second-cheapest at $132 a month. Geico could be the cheapest teen car insurance company for you if you can get some of its many discounts. It has more than twice as many discounts as Allstate.
Most Alaskan teens also get the cheapest full coverage rates with Geico at $307 a month. Umialik is next at $359 a month.
Cheapest auto insurance for young drivers
| Company | Liability coverage | Full coverage |
|---|---|---|
| Allstate | $107 | $407 |
| Geico | $132 | $307 |
| State Farm | $160 | $389 |
| Umialik | $169 | $359 |
| Progressive | $203 | $388 |
| USAA* | $77 | $269 |
Teens pay the highest car insurance rates because they have a statistically higher risk of accidents. Rates usually start dropping in your early 20s if you keep a clean driving record. Young drivers may save money on car insurance if they:
- Join a parent’s policy
- Check for discounts, such as good student and driver training
- Try usage-based car insurance
Cheapest car insurance after a speeding ticket in Alaska: State Farm
In Alaska, State Farm offers the cheapest car insurance after a speeding ticket at around $133 a month. Geico is next at $155 a month. Both rates are cheaper than the state average of $163 a month.
Cheapest car insurance with a speeding ticket
| Company | Monthly rate |
|---|---|
| State Farm | $133 |
| Geico | $155 |
| Umialik | $166 |
| Progressive | $185 |
| Allstate | $189 |
| USAA* | $151 |
A speeding ticket can raise your car insurance rates by about 21% in Alaska, so it pays to shop around. Geico’s many discounts could bring your price back down to average, or even lower. Its discounts for airbags, anti-theft systems and a clean driving record can each cut about 20% off your car insurance bill.
Best cheap Alaska auto insurance after an accident: State Farm
State Farm has Alaska’s cheapest car insurance after an accident at $144 a month. Umialik is a close second at $166 a month. State Farm offers more discounts, but Umialik has coverage options State Farm doesn’t, like trip interruption. Trip interruption usually covers pre-paid, non-refundable travel expenses, such as for flights and hotels, if you need to end a trip early.
Best insurance rates with an accident
| Company | Monthly rate |
|---|---|
| State Farm | $144 |
| Umialik | $166 |
| Geico | $197 |
| Progressive | $205 |
| Allstate | $284 |
| USAA* | $168 |
Cheapest insurance for AK teens with a bad driving record: Allstate
Alaskan teens can find the cheapest liability car insurance with Allstate, which charges about $134 a month. Umialik has the cheapest rates for teens who want full coverage at $169 a month.
Best insurance for teens with a ticket or accident
| Company | Liability coverage | Full coverage |
|---|---|---|
| Allstate | $134 | $215 |
| Geico | $163 | $211 |
| Umialik | $169 | $169 |
| State Farm | $172 | $190 |
| Progressive | $242 | $253 |
| USAA* | $128 | $139 |
Both companies have good student discounts, which could help you save money. Allstate requires at least a 2.7 GPA, while Umialik sets the bar at 3.0.
Cheap car insurance companies after a DUI in Alaska: Progressive
Progressive and Umialik have the cheapest DUI insurance rates in Alaska of around $165 a month. Geico is the next-cheapest company after a driving under the influence (DUI) conviction at $211 a month.
To compare, the average rate for full coverage car insurance in Alaska after a DUI is $212 a month.
Cheapest car insurance rates with a DUI
| Company | Monthly rate |
|---|---|
| Progressive | $165 |
| Umialik | $166 |
| Geico | $211 |
| Allstate | $225 |
| State Farm | $284 |
| USAA* | $219 |
In Alaska, if your license is suspended after a DUI, you need to file an SR-22 to get it reinstated.
This form proves you carry the state’s minimum car insurance. Your insurance company files the SR-22 with the state department of motor vehicles (DMV) for you.
Also, a first DUI stays on your record for five years in Alaska. You will likely pay higher car insurance rates during that time.
Alaska’s best car insurance for bad credit: Progressive
At $188 a month, Progressive has the cheapest rates for Alaskans who need bad credit car insurance. Allstate is the next-cheapest choice for drivers with poor credit, with an average rate of $205 a month.
Insurance companies look at your credit score in different ways, and some don’t use it at all to come up with your quote. If your credit’s not great, it can really pay off to compare quotes from several different companies before you buy or renew.
Cheap car insurance quotes with poor credit
| Company | Monthly rate |
|---|---|
| Progressive | $188 |
| Allstate | $205 |
| Geico | $217 |
| Umialik | $254 |
| State Farm | $466 |
| USAA* | $205 |
Best car insurance companies in Alaska
State Farm and USAA are the best car insurance companies in Alaska, based on our research. Both usually have the lowest rates in Alaska. They also offer many discounts and score well for customer satisfaction.
Allstate and Geico are also worth considering. Their rates often fall below state averages. While their customer satisfaction scores are a little lower than average, they’re still solid for companies of their size.
USAA is only for military families, that’s the catch with it. But if you qualify, it’s worth a quote. The company is known for low rates and great service.
Alaska car insurance company ratings
| Company | LendingTree | J.D. Power** | AM Best |
|---|---|---|---|
| Allstate | 3.2 | 635 | A+ |
| Geico | 3.7 | 645 | A++ |
| Progressive | 3.8 | 621 | A+ |
| State Farm | 4.5 | 650 | A++ |
| Umialik | 3.5 | Not rated | A+ |
| USAA* | 4.1 | 735 | A++ |
Alaska insurance rates by city
Ketchikan has the cheapest car insurance among Alaska’s big cities at $111 a month. This is about 18% less than the state average of $135 a month.
Anchorage drivers pay the state’s most expensive car insurance rates of about $159 a month, which is 18% higher than average. Anchorage is also Alaska’s biggest city, which contributes to its high rates.
Alaska’s other major cities have average car insurance rates that fall between those extremes.
- Fairbanks: $145 a month
- Juneau: $112 a month
- Badger:$145 a month
- Knik-Fairview: $153 a month
Car insurance rates near you
| City | Monthly rate | % from average |
|---|---|---|
| Adak | $131 | -3% |
| Akiachak | $131 | -3% |
| Akiak | $131 | -3% |
| Akutan | $131 | -3% |
| Alakanuk | $131 | -3% |
| Aleknagik | $129 | -4% |
| Allakaket | $133 | -2% |
| Ambler | $131 | -3% |
| Anaktuvuk Pass | $132 | -2% |
| Anchor Point | $130 | -4% |
| Anchorage | $159 | 18% |
| Anderson | $133 | -1% |
| Angoon | $112 | -17% |
| Aniak | $131 | -3% |
| Anvik | $131 | -3% |
| Arctic Village | $133 | -1% |
| Atka | $131 | -3% |
| Atqasuk | $133 | -1% |
| Auke Bay | $113 | -16% |
| Badger | $145 | 7% |
| Barrow | $134 | 0% |
| Bear Creek | $130 | -4% |
| Beaver | $133 | -1% |
| Bethel | $131 | -3% |
| Bettles Field | $134 | 0% |
| Big Lake | $154 | 14% |
| Brevig Mission | $133 | -1% |
| Buckland | $133 | -1% |
| Butte | $150 | 11% |
| Cantwell | $133 | -2% |
| Central | $132 | -2% |
| Chalkyitsik | $133 | -1% |
| Chefornak | $131 | -3% |
| Chena Ridge | $144 | 7% |
| Chevak | $131 | -3% |
| Chickaloon | $148 | 10% |
| Chicken | $135 | 0% |
| Chignik | $129 | -5% |
| Chignik Lagoon | $129 | -4% |
| Chignik Lake | $129 | -4% |
| Chistochina | $132 | -2% |
| Chitina | $132 | -2% |
| Chugiak | $151 | 12% |
| Circle | $134 | 0% |
| Clam Gulch | $129 | -4% |
| Clarks Point | $129 | -4% |
| Clear | $136 | 1% |
| Coffman Cove | $112 | -17% |
| Cohoe | $130 | -4% |
| Cold Bay | $129 | -4% |
| College | $144 | 7% |
| Cooper Landing | $129 | -4% |
| Copper Center | $133 | -1% |
| Cordova | $127 | -6% |
| Craig | $113 | -16% |
| Crooked Creek | $131 | -3% |
| Deering | $133 | -1% |
| Delta Junction | $133 | -2% |
| Deltana | $133 | -2% |
| Denali National Park | $133 | -2% |
| Diamond Ridge | $131 | -3% |
| Dillingham | $129 | -5% |
| Douglas | $111 | -18% |
| Dutch Harbor | $131 | -3% |
| Eagle | $133 | -1% |
| Eagle River | $152 | 13% |
| Eek | $131 | -3% |
| Egegik | $129 | -4% |
| Eielson AFB | $136 | 1% |
| Ekwok | $129 | -4% |
| Elfin Cove | $113 | -16% |
| Elim | $131 | -3% |
| Emmonak | $129 | -4% |
| Ester | $144 | 7% |
| Fairbanks | $145 | 7% |
| False Pass | $129 | -4% |
| Farm Loop | $150 | 11% |
| Farmers Loop | $145 | 8% |
| Fishhook | $153 | 14% |
| Fort Greely | $133 | -1% |
| Fort Wainwright | $146 | 8% |
| Fort Yukon | $133 | -1% |
| Fox River | $131 | -3% |
| Fritz Creek | $131 | -3% |
| Funny River | $127 | -6% |
| Gakona | $132 | -2% |
| Galena | $131 | -3% |
| Gambell | $132 | -2% |
| Gateway | $150 | 11% |
| Girdwood | $136 | 1% |
| Glennallen | $133 | -1% |
| Goodnews Bay | $131 | -3% |
| Grayling | $131 | -3% |
| Gustavus | $113 | -16% |
| Haines | $113 | -16% |
| Harding-Birch Lakes | $137 | 2% |
| Healy | $132 | -2% |
| Holy Cross | $131 | -3% |
| Homer | $131 | -3% |
| Hoonah | $113 | -16% |
| Hooper Bay | $130 | -3% |
| Hope | $127 | -6% |
| Houston | $146 | 8% |
| Hughes | $134 | 0% |
| Huslia | $133 | -1% |
| Hydaburg | $113 | -16% |
| Hyder | $113 | -16% |
| Iliamna | $129 | -4% |
| Indian | $141 | 5% |
| Jber | $149 | 10% |
| Juneau | $112 | -17% |
| Kachemak | $131 | -3% |
| Kake | $113 | -16% |
| Kaktovik | $133 | -1% |
| Kalifornsky | $127 | -6% |
| Kalskag | $131 | -3% |
| Kaltag | $133 | -1% |
| Karluk | $125 | -7% |
| Kasigluk | $133 | -2% |
| Kasilof | $130 | -4% |
| Kenai | $127 | -6% |
| Kenny Lake | $133 | -1% |
| Ketchikan | $111 | -18% |
| Kiana | $133 | -1% |
| King Cove | $131 | -3% |
| King Salmon | $129 | -4% |
| Kipnuk | $131 | -3% |
| Kivalina | $133 | -1% |
| Klawock | $113 | -16% |
| Klukwan | $113 | -16% |
| Knik River | $150 | 11% |
| Knik-Fairview | $153 | 14% |
| Kobuk | $134 | -1% |
| Kodiak | $123 | -8% |
| Kodiak Station | $123 | -9% |
| Kongiganak | $131 | -2% |
| Kotlik | $129 | -4% |
| Kotzebue | $131 | -3% |
| Koyuk | $131 | -3% |
| Koyukuk | $131 | -3% |
| Kwethluk | $131 | -3% |
| Kwigillingok | $131 | -3% |
| Lake Minchumina | $133 | -2% |
| Lakes | $153 | 14% |
| Larsen Bay | $125 | -7% |
| Lazy Mountain | $150 | 11% |
| Levelock | $130 | -4% |
| Lower Kalskag | $132 | -2% |
| Manley Hot Springs | $133 | -1% |
| Manokotak | $130 | -3% |
| Marshall | $129 | -4% |
| Mc Grath | $131 | -3% |
| Meadow Lakes | $153 | 14% |
| Mekoryuk | $132 | -2% |
| Metlakatla | $113 | -16% |
| Meyers Chuck | $113 | -16% |
| Minto | $132 | -2% |
| Moose Creek | $145 | 8% |
| Moose Pass | $127 | -6% |
| Mountain Village | $131 | -3% |
| Naknek | $129 | -5% |
| Napakiak | $131 | -3% |
| Nenana | $131 | -3% |
| New Stuyahok | $132 | -2% |
| Newhalen | $129 | -4% |
| Nightmute | $131 | -2% |
| Nikiski | $127 | -6% |
| Nikolai | $132 | -2% |
| Nikolski | $132 | -2% |
| Ninilchik | $129 | -4% |
| Noatak | $131 | -2% |
| Nome | $132 | -2% |
| Nondalton | $129 | -4% |
| Noorvik | $131 | -3% |
| North Pole | $144 | 7% |
| Northway | $132 | -2% |
| Nuiqsut | $132 | -2% |
| Nulato | $132 | -2% |
| Nunam Iqua | $130 | -3% |
| Nunapitchuk | $132 | -2% |
| Old Harbor | $124 | -8% |
| Ouzinkie | $124 | -8% |
| Palmer | $150 | 11% |
| Pedro Bay | $130 | -4% |
| Pelican | $113 | -16% |
| Perryville | $129 | -4% |
| Petersburg | $113 | -16% |
| Pilot Point | $129 | -4% |
| Pilot Station | $129 | -4% |
| Platinum | $131 | -3% |
| Pleasant Valley | $145 | 8% |
| Point Baker | $113 | -16% |
| Point Hope | $131 | -2% |
| Point Lay | $133 | -1% |
| Point MacKenzie | $153 | 14% |
| Port Alexander | $113 | -16% |
| Port Alsworth | $129 | -4% |
| Port Heiden | $129 | -4% |
| Port Lions | $124 | -8% |
| Prudhoe Bay | $147 | 9% |
| Quinhagak | $132 | -2% |
| Rampart | $132 | -2% |
| Red Devil | $131 | -3% |
| Ridgeway | $126 | -6% |
| Ruby | $132 | -2% |
| Russian Mission | $131 | -3% |
| Saint Marys | $131 | -3% |
| Salamatof | $127 | -6% |
| Salcha | $137 | 2% |
| Sand Point | $131 | -3% |
| Savoonga | $132 | -2% |
| Saxman | $111 | -18% |
| Scammon Bay | $132 | -2% |
| Selawik | $131 | -2% |
| Seldovia | $130 | -3% |
| Seward | $130 | -4% |
| Shageluk | $131 | -3% |
| Shaktoolik | $131 | -3% |
| Shishmaref | $132 | -2% |
| Shungnak | $132 | -2% |
| Sitka | $113 | -16% |
| Skagway | $114 | -16% |
| Skwentna | $136 | 1% |
| Sleetmute | $132 | -2% |
| Soldotna | $126 | -6% |
| South Naknek | $130 | -4% |
| South Van Horn | $145 | 8% |
| St. George Island | $131 | -3% |
| St. Michael | $132 | -2% |
| St. Paul Island | $131 | -2% |
| Stebbins | $131 | -3% |
| Steele Creek | $145 | 8% |
| Sterling | $130 | -3% |
| Stevens Village | $133 | -2% |
| Susitna North | $131 | -3% |
| Sutton | $148 | 10% |
| Sutton-Alpine | $148 | 10% |
| Takotna | $131 | -2% |
| Talkeetna | $131 | -3% |
| Tanacross | $134 | 0% |
| Tanaina | $153 | 14% |
| Tanana | $133 | -1% |
| Tatitlek | $129 | -4% |
| Teller | $132 | -2% |
| Tenakee Springs | $113 | -16% |
| Thorne Bay | $113 | -16% |
| Togiak | $131 | -3% |
| Tok | $134 | -1% |
| Toksook Bay | $131 | -3% |
| Trapper Creek | $132 | -2% |
| Tuluksak | $130 | -3% |
| Tuntutuliak | $131 | -2% |
| Tununak | $132 | -2% |
| Two Rivers | $145 | 8% |
| Tyonek | $137 | 2% |
| Unalakleet | $131 | -3% |
| Unalaska | $131 | -3% |
| Valdez | $129 | -5% |
| Venetie | $134 | 0% |
| Wainwright | $133 | -1% |
| Wales | $132 | -2% |
| Ward Cove | $112 | -17% |
| Wasilla | $151 | 12% |
| White Mountain | $132 | -2% |
| Whittier | $136 | 1% |
| Willow | $144 | 7% |
| Womens Bay | $123 | -9% |
| Wrangell | $112 | -17% |
| Yakutat | $118 | -12% |
Where you live is just one factor companies use to set your car insurance rate. They also look at your:
- Age
- Gender
- Driving history
- Insurance claim history
- Martial status
- Vehicle make and model
Minimum coverage for car insurance in Alaska
Alaska drivers must carry at least 50/100/25 liability car insurance coverage. This means:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability
Bodily injury liability pays the medical bills of people you hurt in a car accident. Property damage liability pays for damage you cause to property such as fences, toll booths and light posts.
If you don’t have car insurance that meets these minimums, the state can suspend your license or impound your vehicle.
Full coverage isn’t required by Alaska law. But if you lease or finance your car, your lender will require you to carry it.
Frequently asked questions
In Alaska, liability car insurance costs $48 a month, on average. Full coverage costs about $135 a month.
Geico offers Alaska’s cheapest liability-only car insurance coverage at $45 a month. It also has the state’s cheapest full coverage at $116 a month.
Full coverage car insurance from Umialik costs around $166 a month. That’s 23% more than the state average of $135 a month. But the company often beats bigger insurers if you have an accident or DUI on your record.
How we selected the cheapest car insurance companies in Alaska
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
How we evaluated car insurance companies in Alaska
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military as well as certain family members.