Average Cost of Car Insurance in Alaska for 2026

Alaska requires minimum liability coverage of $50,000 bodily injury per person, $100,000 per accident and $25,000 property damage. Minimum coverage pays for damage you cause to others in an accident. It doesn't cover damage to your own vehicle from collisions or theft. Weather damage and wildlife strikes are also excluded.

Adding comprehensive and collision to minimum liability costs $16 more a month with a $1,000 deductible. That $16 covers vehicle damage from collisions and theft, and in Alaska it also covers ice storm damage and moose strikes, which are claim types that minimum liability doesn't cover. 

The minimum liability plus $0 deductible option at $145 a month is the least cost-efficient combination, costing $84 more per month than the $1,000 deductible version at $61, but carries less liability protection than standard full coverage at $107 with 100/300/100 limits. A driver paying $145 for minimal liability with a $0 deductible is spending more per month than a driver with full 100/300/100 protection at $107.

Male rates in Alaska drop $33 between the ages of 24 and 25, which is the largest year-over-year reduction for that driver profile. The biggest single-year drop for female drivers is $24 between the ages of 16 and 17. Rates for neither male nor female drivers in Alaska level off before turning 25.

GEICO's full coverage rate costs $87 a month in Alaska while Progressive charges $137 for the same driver profile, the same coverage and the same record. That $50 monthly cost difference comes from each insurer's different ways of pricing remote geography, extreme weather claims and local claims history. A driver at the state average of $106 who moves to GEICO's rate pays $19 less per month. Get quotes from GEICO and State Farm ($107 per month) before your next renewal.

Full coverage rates in Alaska start from $122 a month for a Ford F-150 to $186 a month for a Tesla Model Y. The $64 monthly difference between those two vehicles exceeds the $47 cost difference between Anchorage and Ketchikan, so vehicle choice affects Alaska rates more than city of residence does. The Toyota Prius at $135 a month shows a $13 hybrid premium over the F-150, compared to the Model Y's $64 EV premium, because hybrid battery systems aren't affected by cold-weather repair the way full EV batteries are.

For monthly full coverage in Alaska, Anchorage costs $131 while Ketchikan costs $84. Anchorage costs $47 more as a city due to higher claim frequency, with more traffic and more accidents, and more accidents mean higher per-driver costs that Alaska insurers spread across all Anchorage policyholders.

Alaska doesn't penalize not-at-fault accidents, so if another driver caused the crash, your rate stays at $107. However, an at-fault accident raises your full coverage from $107 to $147 in Alaska, while a DUI conviction raises full coverage to $140, $7 less per month than an at-fault accident because collision history produces more future claims than a one-time legal violation. Drivers with DUI convictions may need to file an SR-22 form to keep their driving privileges in Alaska.

A 16-year-old male in Alaska pays $317 a month but that rate falls to $153 by age 25. Alaska uses gender-based pricing, so male rates at 16 cost $36 higher per month than female rates at the same age. The largest single-year male rate reduction happens at 25, which is when Alaska male drivers drop $33, costing less than female rates for the first time.

Alaska minimum liability costs $45 a month while full 100/300/100 coverage with a $1,000 deductible runs $107. That $62 monthly difference adds comprehensive and collision coverage, which in Alaska pays for ice storm damage and moose strikes that minimum liability excludes. An Alaska driver paying $147 after an at-fault accident would pay $60 less per month at GEICO's $87 clean-record full coverage rate, so company choice matters more than the coverage level for drivers managing post-violation costs.

Alaska drivers with bad credit pay $234 more per month for full coverage than drivers with good credit. Alaska uses credit-based pricing and the $234 cost difference shows how insurers weigh credit history when setting rates.