Alaska Car Insurance Quotes & Average Rates
Full coverage car insurance in Alaska is estimated at $1,659 a year, or $138 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $563 a year. Alaska is an at-fault state, and drivers must carry 50/100/25 liability limits. Below you will find estimated rates for 5 Alaska cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Alaska
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Alaska
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,261 | $105 | -24% | Military members and families only |
| Geico | $1,360 | $113 | -18% | Usually cheapest for clean records |
| State Farm | $1,460 | $122 | -12% | Strong for young and student drivers |
| Progressive | $1,576 | $131 | -5% | Competitive after a ticket or accident |
| Travelers | $1,609 | $134 | -3% | Good multi-policy discounts |
| Nationwide | $1,659 | $138 | 0% | Mid-market, wide availability |
| Allstate | $1,891 | $158 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,007 | $167 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Alaska. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Alaska car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $4,480 | $1,521 | $373 |
| 18 years old | $3,779 | $1,283 | $315 |
| 20 years old | $3,129 | $1,062 | $261 |
| 22 years old | $2,599 | $882 | $217 |
| 25 years old | $1,984 | $673 | $165 |
| 30 years old | $1,710 | $580 | $143 |
| 40 years old | $1,607 | $546 | $134 |
| 50 years old | $1,539 | $522 | $128 |
| 60 years old | $1,522 | $517 | $127 |
| 65 years old | $1,590 | $540 | $133 |
| 70 years old | $1,744 | $592 | $145 |
| 75 years old | $2,035 | $691 | $170 |
Estimated premiums by age in Alaska, clean record, sedan.
How violations change your Alaska premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,659 | — |
| 1 speeding ticket | $2,040 | +23% |
| 1 at-fault accident | $2,438 | +47% |
| DUI / DWI | $3,135 | +89% |
What a violation costs a 35-year-old in Alaska. Surcharges normally stay on the policy for three to five years.
A DUI in Alaska usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Alaska minimum insurance requirements
| Required coverage in Alaska | Minimum limit |
|---|---|
| Bodily injury liability, per person | $50,000 |
| Bodily injury liability, per accident | $100,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Alaska Department of Insurance before you buy.
Coverage levels in Alaska
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $563 | $47 |
| Full coverage (100/300/100 + comp & collision) | $1,659 | $138 |
| Full coverage, high limits + low deductible | $1,974 | $164 |
Coverage level comparison for Alaska.
Car insurance rates in Alaska cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 5 Alaska cities we price.