GEICO ranks as Alaska's best car insurance company, earning a MoneyGeek score of 4.5 out of 5 for its strong mix of affordable rates and quality service. Since insurance needs vary by individual situation, we also recommend considering State Farm, Progressive, Allstate and Western National.
Best Car Insurance in Alaska
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Alaska is GEICO, ranking first in affordability with an industry-leading score of 4.5 out of 5.
State Farm offers the best car insurance in Alaska for drivers with accidents, while Progressive leads for drivers with newer cars in the state.
To secure the best insurance in Alaska, determine your coverage needs first, research provider costs and compare plenty of quotes from multiple insurers.
Best Car Insurance Companies in Alaska
| GEICO | 4.51 | $64 | 3 | 3 |
| State Farm | 4.27 | $75 | 2 | 3 |
| Progressive | 4.00 | $101 | 1 | 1 |
| Allstate | 3.95 | $82 | 4 | 2 |
| Western National | 3.81 | $84 | 5 | 1 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Alaska by Driver Profile
GEICO leads in Alaska, winning five out of ten categories including young, adult and senior drivers. State Farm excels in violation-related categories like accidents and DUIs, while Progressive offers the best rates for bad credit and newer cars.
| Young Drivers | GEICO | 1 | 3 | 3 |
| Adult Drivers | GEICO | 1 | 3 | 3 |
| Senior Drivers | GEICO | 1 | 3 | 3 |
| Drivers With an Accident | State Farm | 2 | 2 | 3 |
| Drivers With a DUI | State Farm | 1 | 2 | 3 |
| Drivers With a Speeding Ticket | State Farm | 2 | 2 | 3 |
| Drivers With Bad Credit | Progressive | 4 | 1 | 1 |
| Drivers With Low Income | GEICO | 1 | 3 | 3 |
| Drivers With Newer Cars | Progressive | 2 | 1 | 1 |
| Drivers With Old Cars | GEICO | 1 | 3 | 3 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Alaska Car Insurance Recommendations
Our research shows that insurance needs vary by driver. Compare rates from our top five Alaska providers to find coverage that matches your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Western National | 4.50 | $229 | 5 | 1 |
| GEICO | 4.25 | $285 | 3 | 3 |
| Progressive | 4.00 | $492 | 1 | 1 |
| State Farm | 3.71 | $427 | 2 | 3 |
| Allstate | 3.68 | $418 | 4 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Alaska Car Insurance Reviews
See detailed service comparisons for our top-rated insurance providers below.
GEICO
Best Cheap Overall in Alaska
MoneyGeek Rating
4.5/ of 5
5/5Affordability
4.2/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Cost
$87For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$41For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
State Farm
Best Customer Experience in Alaska
MoneyGeek Rating
4.3/ of 5
4.4/5Affordability
4.7/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Cost
$107For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$43For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
How to Find the Best Car Insurance in Alaska
Finding the right car insurance in Alaska can be difficult. Our guide helps you choose coverage that fits your needs.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance, regardless of state, is to not know what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Alaska required minimums.
- 2
Research average costs and discounts you may qualify for
Look at average car insurance costs in Alaska to get an idea of rates for your profile. Look for savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can mean more savings.
- 3
Look through provider customer experiences and coverage options thoroughly
Find out about customer reviews and avoid companies with poor handling of claims. Look at coverage options and add-ons.
- 4
Consider non-standard coverage options
Depending on your situation, non-owner car insurance or pay-per-mile policies might better suit your needs. Additionally, if you require an SR-22 in Alaska, your provider options may vary.
- 5
Compare plenty of quotes through multiple means
Getting multiple quotes is crucial to finding the cheapest option possible. Contact independent agents and visit provider websites directly, as rates can vary between different quote sources.
- 6
Reassess annually
Check car insurance rates each year to get the best affordable coverage for you.
Best Alaska Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. GEICO is the top-rated company overall in Alaska, while State Farm and Progressive are also good options for drivers in the state.
Best Auto Insurance in Alaska: FAQ
Finding the right car insurance starts with your specific needs, so we've gathered expert answers to common questions about choosing coverage.
What is the best car insurance company in Alaska?
GEICO leads car insurance in Alaska, with an average monthly premium of $87 for full coverage.
What is the best car insurance company for minimum coverage in Alaska?
GEICO leads the pack for minimum coverage in Alaska with average rates starting at $487 per year.
What is the best car insurance in Alaska for young drivers?
GEICO provides excellent insurance coverage for young adults in Alaska, combining competitive rates at $950 per year for minimum coverage with reliable customer service.
What is the best car insurance for Alaska drivers who value customer service?
Progressive ranks highest for customer experience in Alaska with a score of 5 out of 5. The company excels in their purchase experience, agent support, digital tools and claims handling process.
What is the best car insurance in Alaska if you have driving offenses?
State Farm leads the market for Alaska drivers with violations, offering monthly rates of $46 for minimum coverage and $113 for full coverage auto insurance.
How We Rated the Best Car Insurance in Alaska
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Alaska. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Alaska. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Alaska-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.