Best Cheap Car Insurance in Alaska (2025)
Cheapest car insurance companies in Alaska
Cheap full-coverage car insurance in Alaska: State Farm
However, Geico offers more discounts than State Farm does, so Geico may be your cheapest company if you qualify for a few. Get quotes from both companies to see which will give you the best deal on a full-coverage policy Full-coverage car insurance usually includes both collision and comprehensive coverages, which protect your vehicle from damage and theft. .
The average cost of full-coverage car insurance in Alaska is $1,694 a year, or $141 a month.
Cheapest full-coverage car insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,383 |  |
 | Geico | $1,429 |  |
 | Allstate | $1,877 |  |
 | Umialik | $2,033 | |
 | Progressive | $2,197 |  |
 | USAA* | $1,245 | |
Alaska’s cheapest liability-only insurance: Geico
Geico is the cheapest company overall for liability insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. looking at annual rates, and also offers more discounts than Allstate and State Farm. Get one or more of them and your rate with Geico could be even cheaper.
Allstate and State Farm also have several discounts, though, so your best bet while shopping for cheap liability insurance in Alaska will be to get and compare quotes from all three.
Cheap liability car insurance companies
| Company | Annual rate |
|---|---|
| Geico | $548 |
| State Farm | $551 |
| Allstate | $560 |
| Progressive | $580 |
| Umialik | $690 |
| USAA* | $334 |
Cheap auto insurance for young drivers in Alaska: Allstate and Geico
Young drivers who want cheap full-coverage car insurance in Alaska should get a quote from Geico. It charges $318 a month, which is 14% less than the second-cheapest company, State Farm.
Cheapest auto insurance for young drivers
| Company | Liability coverage | Full coverage |
|---|---|---|
| Allstate | $1,258 | $4,906 |
| Geico | $1,592 | $3,810 |
| Umialik | $1,673 | $4,565 |
| State Farm | $1,906 | $4,416 |
| Progressive | $3,060 | $8,730 |
| USAA* | $838 | $2,862 |
- See if you qualify for any discounts
- Get added to a parent’s policy
- Try usage-based car insurance and drive safely
Best cheap car insurance after a speeding ticket in Alaska: State Farm
A speeding ticket causes your car insurance to go up by 20% in Alaska.
Comparing quotes and switching companies can help bring that down. You could save around 13% by switching from Geico to State Farm after you get a ticket, for example.
Cheapest car insurance with a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,475 |
| Geico | $1,708 |
| Umialik | $2,033 |
| Allstate | $2,247 |
| Progressive | $3,077 |
| USAA* | $1,617 |
Cheapest Alaska auto insurance after an accident: State Farm
An accident raises your car insurance rate by about 37% in Alaska. However, State Farm only raises its rates by 17% after an accident, on average.
Best insurance rates with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,603 |
| Umialik | $2,033 |
| Geico | $2,274 |
| Allstate | $2,806 |
| Progressive | $3,405 |
| USAA* | $1,798 |
Cheapest insurance for AK teens with a bad driving record: Allstate and Umialik
These average rates are for liability-only car insurance policies. You’ll pay more if you buy a full-coverage policy as a teen with a bad driving record.
To save money as a young driver with a ticket or accident on your record, shop around and compare car insurance quotes from several companies.
Best insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Allstate | $1,575 | $2,050 |
| Umialik | $1,673 | $1,673 |
| Geico | $1,776 | $2,330 |
| State Farm | $2,054 | $2,259 |
| Progressive | $3,414 | $3,566 |
| USAA* | $1,384 | $1,505 |
Cheap car insurance companies after a DUI in Alaska: Umialik
The average car insurance cost for Alaskans with a DUI is $219 a month. Umialik’s rate is 23% less, making it the state’s cheapest DUI insurance company.
Cheapest car insurance rates with a DUI
| Company | Annual rate |
|---|---|
| Umialik | $2,033 |
| Geico | $2,617 |
| Allstate | $2,677 |
| Progressive | $2,719 |
| State Farm | $3,392 |
| USAA* | $2,335 |
You should expect your car insurance costs to go up 55% after a DUI (driving under the influence) conviction in Alaska.
Alaska’s best car insurance for bad credit: State Farm
If you pay a lot for car insurance and have poor credit, get quotes from other companies and see if they’ll offer a cheaper rate. Not all companies look at your credit history in the same way, and some may not use your poor credit against you at all.
Cheap car insurance quotes with poor credit
| Company | Annual rate |
|---|---|
| State Farm | $1,383 |
| Geico | $1,429 |
| Allstate | $1,877 |
| Umialik | $2,033 |
| Progressive | $2,197 |
| USAA* | $1,245 |
Best car insurance companies in Alaska
Both State Farm and USAA offer similar car insurance discounts and add-on coverages. They both have useful websites and highly rated apps, too. USAA scores higher on customer satisfaction, though.
Alaska car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Umialik | Not rated | A+ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
USAA has the state’s cheapest rates overall for both liability-only and full-coverage car insurance, but only members of the military and their families qualify. Most other drivers in Alaska will get the cheapest rates from State Farm.
If you’re eligible to buy car insurance from USAA, get a quote from it as well as State Farm and see which one makes the best offer.
Alaska insurance rates by city
Ketchikan drivers pay the cheapest car insurance rates among Alaska’s largest cities, at an average of $113 a month.
At $163 a month, Anchorage’s average car insurance rate is the most expensive of the state’s biggest cities.
In Fairbanks, the average cost of car insurance is $150 a month. Juneau drivers pay $116 a month, on average.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Adak | $1,627 | -1% |
| Akiachak | $1,619 | -1% |
| Akiak | $1,630 | 0% |
| Akutan | $1,626 | -1% |
| Alakanuk | $1,623 | -1% |
| Aleknagik | $1,609 | -2% |
| Allakaket | $1,654 | 1% |
| Ambler | $1,637 | 0% |
| Anaktuvuk Pass | $1,647 | 1% |
| Anchor Point | $1,614 | -1% |
| Anchorage | $1,956 | 20% |
| Anderson | $1,667 | 2% |
| Angoon | $1,373 | -16% |
| Aniak | $1,630 | 0% |
| Anvik | $1,628 | 0% |
| Arctic Village | $1,661 | 2% |
| Atka | $1,627 | -1% |
| Atqasuk | $1,661 | 2% |
| Auke Bay | $1,400 | -14% |
| Badger | $1,797 | 10% |
| Barrow | $1,683 | 3% |
| Bear Creek | $1,622 | -1% |
| Beaver | $1,664 | 2% |
| Bethel | $1,617 | -1% |
| Bettles Field | $1,682 | 3% |
| Big Lake | $1,910 | 17% |
| Brevig Mission | $1,657 | 1% |
| Buckland | $1,660 | 2% |
| Butte | $1,855 | 13% |
| Cantwell | $1,658 | 1% |
| Central | $1,652 | 1% |
| Chalkyitsik | $1,669 | 2% |
| Chefornak | $1,625 | -1% |
| Chena Ridge | $1,783 | 9% |
| Chevak | $1,623 | -1% |
| Chickaloon | $1,840 | 13% |
| Chicken | $1,685 | 3% |
| Chignik | $1,603 | -2% |
| Chignik Lagoon | $1,605 | -2% |
| Chignik Lake | $1,605 | -2% |
| Chistochina | $1,648 | 1% |
| Chitina | $1,646 | 1% |
| Chugiak | $1,853 | 13% |
| Circle | $1,675 | 2% |
| Clam Gulch | $1,603 | -2% |
| Clarks Point | $1,612 | -1% |
| Clear | $1,696 | 4% |
| Coffman Cove | $1,366 | -16% |
| Cohoe | $1,613 | -1% |
| Cold Bay | $1,603 | -2% |
| College | $1,784 | 9% |
| Cooper Landing | $1,601 | -2% |
| Copper Center | $1,662 | 2% |
| Cordova | $1,592 | -3% |
| Craig | $1,390 | -15% |
| Crooked Creek | $1,630 | 0% |
| Deering | $1,656 | 1% |
| Delta Junction | $1,666 | 2% |
| Deltana | $1,666 | 2% |
| Denali National Park | $1,654 | 1% |
| Diamond Ridge | $1,632 | 0% |
| Dillingham | $1,608 | -2% |
| Douglas | $1,359 | -17% |
| Dutch Harbor | $1,625 | -1% |
| Eagle | $1,667 | 2% |
| Eagle River | $1,855 | 13% |
| Eek | $1,625 | -1% |
| Egegik | $1,605 | -2% |
| Eielson AFB | $1,703 | 4% |
| Ekwok | $1,610 | -2% |
| Elfin Cove | $1,387 | -15% |
| Elim | $1,632 | 0% |
| Emmonak | $1,600 | -2% |
| Ester | $1,782 | 9% |
| Fairbanks | $1,802 | 10% |
| False Pass | $1,604 | -2% |
| Farm Loop | $1,855 | 13% |
| Farmers Loop | $1,807 | 10% |
| Fishhook | $1,904 | 16% |
| Fort Greely | $1,670 | 2% |
| Fort Wainwright | $1,817 | 11% |
| Fort Yukon | $1,669 | 2% |
| Fox River | $1,632 | 0% |
| Fritz Creek | $1,632 | 0% |
| Funny River | $1,577 | -4% |
| Gakona | $1,648 | 1% |
| Galena | $1,638 | 0% |
| Gambell | $1,644 | 0% |
| Gateway | $1,853 | 13% |
| Girdwood | $1,712 | 5% |
| Glennallen | $1,661 | 2% |
| Goodnews Bay | $1,625 | -1% |
| Grayling | $1,627 | -1% |
| Gustavus | $1,382 | -16% |
| Haines | $1,387 | -15% |
| Harding-Birch Lakes | $1,721 | 5% |
| Healy | $1,656 | 1% |
| Holy Cross | $1,629 | 0% |
| Homer | $1,631 | 0% |
| Hoonah | $1,382 | -16% |
| Hooper Bay | $1,627 | -1% |
| Hope | $1,594 | -3% |
| Houston | $1,827 | 12% |
| Hughes | $1,671 | 2% |
| Huslia | $1,660 | 1% |
| Hydaburg | $1,381 | -16% |
| Hyder | $1,382 | -15% |
| Iliamna | $1,616 | -1% |
| Indian | $1,769 | 8% |
| Jber | $1,804 | 10% |
| Juneau | $1,391 | -15% |
| Kachemak | $1,632 | 0% |
| Kake | $1,378 | -16% |
| Kaktovik | $1,656 | 1% |
| Kalifornsky | $1,577 | -4% |
| Kalskag | $1,629 | 0% |
| Kaltag | $1,657 | 1% |
| Karluk | $1,561 | -5% |
| Kasigluk | $1,651 | 1% |
| Kasilof | $1,613 | -1% |
| Kenai | $1,578 | -4% |
| Kenny Lake | $1,662 | 2% |
| Ketchikan | $1,357 | -17% |
| Kiana | $1,653 | 1% |
| King Cove | $1,627 | -1% |
| King Salmon | $1,621 | -1% |
| Kipnuk | $1,637 | 0% |
| Kivalina | $1,654 | 1% |
| Klawock | $1,394 | -15% |
| Klukwan | $1,387 | -15% |
| Knik River | $1,854 | 13% |
| Knik-Fairview | $1,905 | 17% |
| Kobuk | $1,665 | 2% |
| Kodiak | $1,547 | -5% |
| Kodiak Station | $1,544 | -6% |
| Kongiganak | $1,629 | 0% |
| Kotlik | $1,611 | -1% |
| Kotzebue | $1,636 | 0% |
| Koyuk | $1,631 | 0% |
| Koyukuk | $1,633 | 0% |
| Kwethluk | $1,635 | 0% |
| Kwigillingok | $1,633 | 0% |
| Lake Minchumina | $1,660 | 2% |
| Lakes | $1,904 | 16% |
| Larsen Bay | $1,561 | -5% |
| Lazy Mountain | $1,855 | 13% |
| Levelock | $1,624 | -1% |
| Lower Kalskag | $1,642 | 0% |
| Manley Hot Springs | $1,660 | 1% |
| Manokotak | $1,633 | 0% |
| Marshall | $1,600 | -2% |
| Mc Grath | $1,637 | 0% |
| Meadow Lakes | $1,906 | 17% |
| Mekoryuk | $1,644 | 1% |
| Metlakatla | $1,394 | -15% |
| Meyers Chuck | $1,381 | -16% |
| Minto | $1,653 | 1% |
| Moose Creek | $1,801 | 10% |
| Moose Pass | $1,598 | -2% |
| Mountain Village | $1,632 | 0% |
| Naknek | $1,608 | -2% |
| Napakiak | $1,637 | 0% |
| Nenana | $1,644 | 1% |
| New Stuyahok | $1,653 | 1% |
| Newhalen | $1,616 | -1% |
| Nightmute | $1,628 | 0% |
| Nikiski | $1,580 | -3% |
| Nikolai | $1,650 | 1% |
| Nikolski | $1,646 | 1% |
| Ninilchik | $1,614 | -1% |
| Noatak | $1,638 | 0% |
| Nome | $1,642 | 0% |
| Nondalton | $1,616 | -1% |
| Noorvik | $1,638 | 0% |
| North Pole | $1,795 | 10% |
| Northway | $1,659 | 1% |
| Nuiqsut | $1,650 | 1% |
| Nulato | $1,649 | 1% |
| Nunam Iqua | $1,627 | -1% |
| Nunapitchuk | $1,645 | 1% |
| Old Harbor | $1,553 | -5% |
| Ouzinkie | $1,553 | -5% |
| Palmer | $1,854 | 13% |
| Pedro Bay | $1,624 | -1% |
| Pelican | $1,378 | -16% |
| Perryville | $1,621 | -1% |
| Petersburg | $1,382 | -16% |
| Pilot Point | $1,618 | -1% |
| Pilot Station | $1,611 | -2% |
| Platinum | $1,637 | 0% |
| Pleasant Valley | $1,812 | 11% |
| Point Baker | $1,378 | -16% |
| Point Hope | $1,638 | 0% |
| Point Lay | $1,663 | 2% |
| Point MacKenzie | $1,904 | 16% |
| Port Alexander | $1,382 | -15% |
| Port Alsworth | $1,616 | -1% |
| Port Heiden | $1,605 | -2% |
| Port Lions | $1,541 | -6% |
| Prudhoe Bay | $1,784 | 9% |
| Quinhagak | $1,638 | 0% |
| Rampart | $1,650 | 1% |
| Red Devil | $1,637 | 0% |
| Ridgeway | $1,575 | -4% |
| Ruby | $1,648 | 1% |
| Russian Mission | $1,635 | 0% |
| Saint Marys | $1,635 | 0% |
| Salamatof | $1,578 | -4% |
| Salcha | $1,721 | 5% |
| Sand Point | $1,633 | 0% |
| Savoonga | $1,644 | 0% |
| Saxman | $1,357 | -17% |
| Scammon Bay | $1,643 | 0% |
| Selawik | $1,638 | 0% |
| Seldovia | $1,626 | -1% |
| Seward | $1,622 | -1% |
| Shageluk | $1,638 | 0% |
| Shaktoolik | $1,633 | 0% |
| Shishmaref | $1,644 | 0% |
| Shungnak | $1,649 | 1% |
| Sitka | $1,382 | -15% |
| Skagway | $1,393 | -15% |
| Skwentna | $1,704 | 4% |
| Sleetmute | $1,644 | 1% |
| Soldotna | $1,575 | -4% |
| South Naknek | $1,631 | 0% |
| South Van Horn | $1,811 | 11% |
| St. George Island | $1,625 | -1% |
| St. Michael | $1,638 | 0% |
| St. Paul Island | $1,640 | 0% |
| Stebbins | $1,630 | 0% |
| Steele Creek | $1,812 | 11% |
| Sterling | $1,614 | -1% |
| Stevens Village | $1,655 | 1% |
| Susitna North | $1,632 | 0% |
| Sutton | $1,840 | 13% |
| Sutton-Alpine | $1,842 | 13% |
| Takotna | $1,639 | 0% |
| Talkeetna | $1,632 | 0% |
| Tanacross | $1,682 | 3% |
| Tanaina | $1,905 | 16% |
| Tanana | $1,670 | 2% |
| Tatitlek | $1,624 | -1% |
| Teller | $1,645 | 1% |
| Tenakee Springs | $1,378 | -16% |
| Thorne Bay | $1,378 | -16% |
| Togiak | $1,644 | 1% |
| Tok | $1,675 | 2% |
| Toksook Bay | $1,629 | 0% |
| Trapper Creek | $1,648 | 1% |
| Tuluksak | $1,622 | -1% |
| Tuntutuliak | $1,628 | 0% |
| Tununak | $1,652 | 1% |
| Two Rivers | $1,808 | 11% |
| Tyonek | $1,722 | 5% |
| Unalakleet | $1,632 | 0% |
| Unalaska | $1,629 | 0% |
| Valdez | $1,613 | -1% |
| Venetie | $1,678 | 3% |
| Wainwright | $1,666 | 2% |
| Wales | $1,647 | 1% |
| Ward Cove | $1,366 | -16% |
| Wasilla | $1,880 | 15% |
| White Mountain | $1,648 | 1% |
| Whittier | $1,710 | 5% |
| Willow | $1,804 | 10% |
| Womens Bay | $1,544 | -6% |
| Wrangell | $1,373 | -16% |
| Yakutat | $1,458 | -11% |
Minimum coverage for car insurance in Alaska
The state may suspend your driver’s license if you don’t have the required amount of car insurance.
Some Alaskan communities are exempt from the state’s mandatory insurance statute.
Alaska auto insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability per person | $50,000 |
| Bodily injury liability per accident | $100,000 |
| Property damage liability | $25,000 |
SR-22 insurance in Alaska
You may need to get an SR-22 insurance policy in Alaska if the state revokes or suspends your driver’s license, such as after a DUI.
An SR-22 policy or form proves that you have at least the minimum amount of car insurance the state requires.
Most drivers with an SR-22 requirement need to have it for three years. Certain DUI or refusal convictions may increase that to five years or more.
Frequently asked questions
The average cost of car insurance in Alaska is $544 a year, or $45 a month, if you buy only liability coverage.
Full-coverage car insurance costs $1,694 a year ($141 a month), on average.
Geico has the most affordable auto insurance for Alaska drivers who buy liability-only coverage, at $46 a month.
At $115 a month, State Farm has the most affordable full-coverage auto insurance rates.
These average rates are for a typical 30-year-old man with a clean driving record. You might pay more or less depending on things like your gender, age, vehicle and more.