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Car Insurance in Alaska

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Alaska Car Insurance Quotes

In Alaska, car insurance rates average about $138 monthly, or 27% less than the national average of $189. While Alaska has an extreme Arctic climate that can make driving hazardous, especially during the long winters, its extremely low population density helps keep rates modest. The driver's age, driving record, consumer profile, vehicle type, and discount availability can also influence insurance rates. We included those elements and others in our analysis.

If you're looking for a new policy, getting a few Alaska car insurance quotes is wise. Read on to learn what to look for in a car insurance policy. 


Alaska Car Insurance Laws

Alaska’s Mandatory Insurance Statutes require vehicle owners and operators to carry a minimum liability policy. However, certain exemptions exist if you live in a remote area not connected to the state’s highways or roads. Exempt drivers don’t need to maintain registration or liability insurance. 

Alaska’s car insurance minimums are:

  • $50,000 for the death or injury of one person
  • $100,000 for the death or injury of two or more people
  • $25,000 for property damage

Alaska's minimum liability requirements are among the highest in the nation.

Cheapest Insurance in Alaska

Alaska’s Mandatory Insurance Statutes require vehicle owners and operators to carry a minimum liability policy. However, certain exemptions exist if you live in a remote area not connected to the state’s highways or roads. Exempt drivers don’t need to maintain registration or liability insurance. 

Rank Insurance company Average monthly premium
1 USAA $91
2 GEICO $115
3 State Farm $139
4 Western National $149
5 Progressive $155
Avg. monthly premiums are weighted by zip code population sizes

Fast, Free Auto Insurance Quotes


Proof of Insurance

Anyone driving a vehicle must keep a copy of their insurance policy available and present it if a police officer requests it. Failing to produce proof of insurance may result in your vehicle being impounded and your driver’s license suspended. 

There is no Alaska new car insurance grace period, so obtain coverage before driving a new vehicle. ” 


If you purchase a new or used vehicle using a loan or lease, the lender may require additional collision and comprehensive insurance coverage. The extra coverage helps pay for the damage to your vehicle if you’re in an accident. There is no Alaska new car insurance grace period, so obtain coverage before driving a new vehicle.

Alaska is known for its extreme weather, which may make driving hazardous during winter. Consider purchasing additional coverage to protect your vehicle from weather-related collisions and damage.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Alaska?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Alaska?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Alaska?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.


Rank Insurance company Average monthly premium