How to Compare Car Insurance Rates 2024
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Best Cheap Car Insurance in Alaska (2025)

Updated on:
Content was accurate at the time of publication.

Cheapest car insurance companies in Alaska

$1,383/year
Cheapest for full coverage: State Farm
State Farm logo
$1,429/year
Runner-up for full coverage: Geico
Geico logo
$1,258/year
Best for teen liability: Allstate
Allstate logo
+
More Options

Find the Cheapest Car Insurance Quotes in Alaska

At $1,383 a year, State Farm has the cheapest full-coverage car insurance for most Alaska drivers. That’s an average rate of $115 a month. Geico’s average rate of $119 a month is nearly as cheap.

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 car insurance companies in Alaska

Cheapest full-coverage car insurance companies

CompanyAnnual rateLendingTree score
state farm logoState Farm$1,3834.5 stars
geico logoGeico$1,4293.5 stars
allstate logoAllstate$1,8773 stars
umialik logoUmialik$2,0333.5 stars
progressive logoProgressive$2,1974 stars
usaa logoUSAA*$1,2454 stars

Allstate, Geico and State Farm all have rates of around $46 a month for liability car insurance in Alaska.

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

CompanyAnnual rate
Geico$548
State Farm$551
Allstate$560
Progressive$580
Umialik$690
USAA*$334

Find the Cheapest Car Insurance Quotes in Alaska

Allstate has the cheapest car insurance for young drivers who buy liability-only coverage, with rates that average $105 a month.

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

CompanyLiability coverageFull 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

To get the cheapest car insurance as a teen or young driver:

  • See if you qualify for any discounts
  • Get added to a parent’s policy
  • Try usage-based car insurance and drive safely
For the cheapest car insurance after a speeding ticket in Alaska, get a quote from State Farm, where rates average $123 a month. This is 27% cheaper than the state average rate of $169 a month.

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

CompanyAnnual rate
State Farm$1,475
Geico$1,708
Umialik$2,033
Allstate$2,247
Progressive$3,077
USAA*$1,617

State Farm has the cheapest car insurance after an accident in Alaska at $134 a month. This is 31% cheaper than what the average Alaskan pays ($193 a month).

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

CompanyAnnual rate
State Farm$1,603
Umialik$2,033
Geico$2,274
Allstate$2,806
Progressive$3,405
USAA*$1,798

Allstate is the cheapest car insurance company for teens in Alaska after a speeding ticket, with rates averaging $131 a month. At $139 a month, Umialik has the cheapest rates for teens after an accident.

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

CompanyTicketAccident
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

Find the Cheapest Car Insurance Quotes in Alaska

Umialik has the cheapest auto insurance quotes for Alaska drivers with a DUI at $169 a month.

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

CompanyAnnual 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.

State Farm and Geico both have rates of less than $120 a month if you have bad credit. That’s at least 16% cheaper than the state average rate of $141 a month.

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

CompanyAnnual rate
State Farm$1,383
Geico$1,429
Allstate$1,877
Umialik$2,033
Progressive$2,197
USAA*$1,245

State Farm and USAA are the best car insurance companies in Alaska, based on our research.

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

CompanyJ.D. Power**AM BestLendingTree
Allstate635A+3 stars
Geico637A++3.5 stars
Progressive622A+3.5 stars
State Farm657A++4.5 stars
UmialikNot ratedA+3 stars
USAA*739A++4 stars

**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.

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

CityAnnual rate% from average
Adak$1,627-1%
Akiachak$1,619-1%
Akiak$1,6300%
Akutan$1,626-1%
Alakanuk$1,623-1%
Aleknagik$1,609-2%
Allakaket$1,6541%
Ambler$1,6370%
Anaktuvuk Pass$1,6471%
Anchor Point$1,614-1%
Anchorage$1,95620%
Anderson$1,6672%
Angoon$1,373-16%
Aniak$1,6300%
Anvik$1,6280%
Arctic Village$1,6612%
Atka$1,627-1%
Atqasuk$1,6612%
Auke Bay$1,400-14%
Badger$1,79710%
Barrow$1,6833%
Bear Creek$1,622-1%
Beaver$1,6642%
Bethel$1,617-1%
Bettles Field$1,6823%
Big Lake$1,91017%
Brevig Mission$1,6571%
Buckland$1,6602%
Butte$1,85513%
Cantwell$1,6581%
Central$1,6521%
Chalkyitsik$1,6692%
Chefornak$1,625-1%
Chena Ridge$1,7839%
Chevak$1,623-1%
Chickaloon$1,84013%
Chicken$1,6853%
Chignik$1,603-2%
Chignik Lagoon$1,605-2%
Chignik Lake$1,605-2%
Chistochina$1,6481%
Chitina$1,6461%
Chugiak$1,85313%
Circle$1,6752%
Clam Gulch$1,603-2%
Clarks Point$1,612-1%
Clear$1,6964%
Coffman Cove$1,366-16%
Cohoe$1,613-1%
Cold Bay$1,603-2%
College$1,7849%
Cooper Landing$1,601-2%
Copper Center$1,6622%
Cordova$1,592-3%
Craig$1,390-15%
Crooked Creek$1,6300%
Deering$1,6561%
Delta Junction$1,6662%
Deltana$1,6662%
Denali National Park$1,6541%
Diamond Ridge$1,6320%
Dillingham$1,608-2%
Douglas$1,359-17%
Dutch Harbor$1,625-1%
Eagle$1,6672%
Eagle River$1,85513%
Eek$1,625-1%
Egegik$1,605-2%
Eielson AFB$1,7034%
Ekwok$1,610-2%
Elfin Cove$1,387-15%
Elim$1,6320%
Emmonak$1,600-2%
Ester$1,7829%
Fairbanks$1,80210%
False Pass$1,604-2%
Farm Loop$1,85513%
Farmers Loop$1,80710%
Fishhook$1,90416%
Fort Greely$1,6702%
Fort Wainwright$1,81711%
Fort Yukon$1,6692%
Fox River$1,6320%
Fritz Creek$1,6320%
Funny River$1,577-4%
Gakona$1,6481%
Galena$1,6380%
Gambell$1,6440%
Gateway$1,85313%
Girdwood$1,7125%
Glennallen$1,6612%
Goodnews Bay$1,625-1%
Grayling$1,627-1%
Gustavus$1,382-16%
Haines$1,387-15%
Harding-Birch Lakes$1,7215%
Healy$1,6561%
Holy Cross$1,6290%
Homer$1,6310%
Hoonah$1,382-16%
Hooper Bay$1,627-1%
Hope$1,594-3%
Houston$1,82712%
Hughes$1,6712%
Huslia$1,6601%
Hydaburg$1,381-16%
Hyder$1,382-15%
Iliamna$1,616-1%
Indian$1,7698%
Jber$1,80410%
Juneau$1,391-15%
Kachemak$1,6320%
Kake$1,378-16%
Kaktovik$1,6561%
Kalifornsky$1,577-4%
Kalskag$1,6290%
Kaltag$1,6571%
Karluk$1,561-5%
Kasigluk$1,6511%
Kasilof$1,613-1%
Kenai$1,578-4%
Kenny Lake$1,6622%
Ketchikan$1,357-17%
Kiana$1,6531%
King Cove$1,627-1%
King Salmon$1,621-1%
Kipnuk$1,6370%
Kivalina$1,6541%
Klawock$1,394-15%
Klukwan$1,387-15%
Knik River$1,85413%
Knik-Fairview$1,90517%
Kobuk$1,6652%
Kodiak$1,547-5%
Kodiak Station$1,544-6%
Kongiganak$1,6290%
Kotlik$1,611-1%
Kotzebue$1,6360%
Koyuk$1,6310%
Koyukuk$1,6330%
Kwethluk$1,6350%
Kwigillingok$1,6330%
Lake Minchumina$1,6602%
Lakes$1,90416%
Larsen Bay$1,561-5%
Lazy Mountain$1,85513%
Levelock$1,624-1%
Lower Kalskag$1,6420%
Manley Hot Springs$1,6601%
Manokotak$1,6330%
Marshall$1,600-2%
Mc Grath$1,6370%
Meadow Lakes$1,90617%
Mekoryuk$1,6441%
Metlakatla$1,394-15%
Meyers Chuck$1,381-16%
Minto$1,6531%
Moose Creek$1,80110%
Moose Pass$1,598-2%
Mountain Village$1,6320%
Naknek$1,608-2%
Napakiak$1,6370%
Nenana$1,6441%
New Stuyahok$1,6531%
Newhalen$1,616-1%
Nightmute$1,6280%
Nikiski$1,580-3%
Nikolai$1,6501%
Nikolski$1,6461%
Ninilchik$1,614-1%
Noatak$1,6380%
Nome$1,6420%
Nondalton$1,616-1%
Noorvik$1,6380%
North Pole$1,79510%
Northway$1,6591%
Nuiqsut$1,6501%
Nulato$1,6491%
Nunam Iqua$1,627-1%
Nunapitchuk$1,6451%
Old Harbor$1,553-5%
Ouzinkie$1,553-5%
Palmer$1,85413%
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$1,6370%
Pleasant Valley$1,81211%
Point Baker$1,378-16%
Point Hope$1,6380%
Point Lay$1,6632%
Point MacKenzie$1,90416%
Port Alexander$1,382-15%
Port Alsworth$1,616-1%
Port Heiden$1,605-2%
Port Lions$1,541-6%
Prudhoe Bay$1,7849%
Quinhagak$1,6380%
Rampart$1,6501%
Red Devil$1,6370%
Ridgeway$1,575-4%
Ruby$1,6481%
Russian Mission$1,6350%
Saint Marys$1,6350%
Salamatof$1,578-4%
Salcha$1,7215%
Sand Point$1,6330%
Savoonga$1,6440%
Saxman$1,357-17%
Scammon Bay$1,6430%
Selawik$1,6380%
Seldovia$1,626-1%
Seward$1,622-1%
Shageluk$1,6380%
Shaktoolik$1,6330%
Shishmaref$1,6440%
Shungnak$1,6491%
Sitka$1,382-15%
Skagway$1,393-15%
Skwentna$1,7044%
Sleetmute$1,6441%
Soldotna$1,575-4%
South Naknek$1,6310%
South Van Horn$1,81111%
St. George Island$1,625-1%
St. Michael$1,6380%
St. Paul Island$1,6400%
Stebbins$1,6300%
Steele Creek$1,81211%
Sterling$1,614-1%
Stevens Village$1,6551%
Susitna North$1,6320%
Sutton$1,84013%
Sutton-Alpine$1,84213%
Takotna$1,6390%
Talkeetna$1,6320%
Tanacross$1,6823%
Tanaina$1,90516%
Tanana$1,6702%
Tatitlek$1,624-1%
Teller$1,6451%
Tenakee Springs$1,378-16%
Thorne Bay$1,378-16%
Togiak$1,6441%
Tok$1,6752%
Toksook Bay$1,6290%
Trapper Creek$1,6481%
Tuluksak$1,622-1%
Tuntutuliak$1,6280%
Tununak$1,6521%
Two Rivers$1,80811%
Tyonek$1,7225%
Unalakleet$1,6320%
Unalaska$1,6290%
Valdez$1,613-1%
Venetie$1,6783%
Wainwright$1,6662%
Wales$1,6471%
Ward Cove$1,366-16%
Wasilla$1,88015%
White Mountain$1,6481%
Whittier$1,7105%
Willow$1,80410%
Womens Bay$1,544-6%
Wrangell$1,373-16%
Yakutat$1,458-11%

Alaskans who own a vehicle need to buy car insurance with at least 50/100/25 liability coverage limits.

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 typeMinimum 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.

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.

Methodology

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 2015 Honda Civic EX.

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: $25,000
  • 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


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 NAIC’s Complaint Index scores 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.

*USAA is only available to current and former members of the military as well as certain family members.