Average Cost of Car Insurance in Alaska for 2026

Harsh winter weather and remote locations make Alaska more expensive than some states for car insurance. Your rate depends on your age, driving experience, location within the state and the coverage level you choose.

Jump to factors you can control today:

• Cost of Car Insurance in Alaska by Company
• Cost by Coverage Level

Jump to factors that are fixed (for now):

• Cost by City
• Cost by Driving Record
• Cost by Credit Score
• Cost by Vehicle

Car insurance in Alaska ranges from $44 per month for minimum coverage to $106 for full coverage. Drivers save $198 annually on minimum coverage and $215 per year on full coverage compared to national averages.

18 states have cheaper full coverage than Alaska, which ranks 19th at $106 per month. Alaska sits right between South Dakota at the same $106 monthly cost and Washington at $109, putting it in the middle-affordable range. With 32 states charging more for coverage, Alaskan drivers have reasonable rates compared to most of the country.

Uninsured drivers push costs up for everyone else, and insured drivers absorb that risk through higher uninsured motorist premiums. Temperatures reaching -60°F and frequent ice storms generate millions of dollars in annual vehicle damage claims that insurers build into rates. Moose collisions and bear damage create claim patterns found nowhere else in the country, which Alaska insurers price separately.

Rates can vary between urban centers and remote communities (see city rates below).

GEICO has the lowest full coverage rate in Alaska at $87 a month. State Farm is second at $107 and Allstate third at $120. Progressive charges $137 for the same coverage, which is $50 more a month than GEICO. Comparing quotes between the cheapest and most expensive option saves up to $600 a year.

Read more: Cheapest and Best Car Insurance Companies in Alaska

Each insurer uses its own formula to weigh your driving record, location, age and vehicle. A company with a larger Alaska customer base prices the same driver profile differently than one with less local data. Some carriers price aggressively for clean-record drivers. Others focus on higher-risk drivers with accidents or violations. Your cheapest option depends on your specific profile, so comparing quotes directly is the only way to find it.

Coverage level is one of the biggest cost factors you can control. Minimum liability in Alaska is $45 a month. Adding comprehensive and collision with a $1,000 deductible brings that to $61, which is $16 more a month for coverage that pays for damage to your own vehicle from accidents, theft, vandalism and weather.

Lowering your deductible creates a bigger premium jump than most drivers expect compared to raising liability limits. The most expensive coverage tier in our Alaska data is minimum liability plus comprehensive and collision with a $0 deductible. This costs $145 per month because eliminating your out-of-pocket costs shifts more financial risk to your insurer.

Drivers in Anchorage pay the highest rates for full coverage car insurance than anywhere else in the state at $131 per month. Palmer ranks second-most expensive at $120 per month, while Ketchikan is the cheapest at $84 per month.

Anchorage's $131 monthly rate is because of the traffic, thefts and accidents. Small towns have fewer accidents and thefts, so rates are lower.

Full coverage costs $107 per month for drivers with clean records, rising to $127 after a speeding violation, a 19% increase that adds $239 per year. A DUI conviction pushes monthly premiums to $140, a 31% jump that costs drivers $394 more per year than a clean record. Most violations affect rates for three to five years in Alaska, though the timeframe varies by violation type. Insurers raise rates after violations because they signal a higher likelihood of future claims. Drivers with serious violations may need to file SR-22 forms to maintain their driving privileges.

Multiple violations mean less choices for drivers because they are considered high-risk.

If you have excellent credit, you pay $103 monthly for full coverage, while if you have a poor credit score, you pay $337 monthly premiums. Improving your credit can save you money.

A Ford F-150 costs $122 a month for full coverage in Alaska. A Honda Civic is $124, a Toyota Camry $132 and a Tesla Model Y $186. Electric vehicles cost more to insure because parts and repairs are more expensive than for conventional vehicles. Insurance costs by vehicle covers additional models.

Find answers to questions about car insurance in Alaska.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.