Best Car Insurance in Alaska (2026 Picks)

Top Rated Car Insurance Companies in North Carolina

The top-rated car insurance companies in Alaska are:

Best and Cheapest Overall for Adult and Young Drivers: GEICO
Best for Drivers With a DUI, Accident or Speeding Ticket: State Farm
Best for Drivers With Bad Credit: Progressive

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Alaska's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Alaska

GEICO is the best car insurance company in Alaska, with a 4.5 out of 5 MoneyGeek score. It excels in affordability and customer service.

GEICO offers competitive rates with full coverage at $84 monthly. Drivers with clean records pay rates that run 24% below state averages. The company earns a perfect 5.0 affordability score.

State Farm ranks second overall and excels for drivers with violations, combining competitive rates with strong customer service. Progressive leads in customer experience and coverage options with perfect 5.0 scores, making it ideal for drivers with bad credit who need comprehensive protection.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Geico	4.50	$84	5.00	4.20	2.50
State Farm	4.10	$105	4.10	4.70	2.50
Progressive	4.00	$133	3.30	5.00	5.00
Allstate	3.80	$114	3.70	3.90	4.10
Western National Insurance	3.50	$122	3.40	3.30	5.00

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Alaska cost?

How much car insurance do I need in Alaska?

Best Overall Insurer in Alaska: GEICO

GEICO

Best and Cheapest Overall for Adult and Young Drivers

MoneyGeek Rating

4.5/ 5

5/5Affordability

4.2/5Customer Experience

2.5/5Coverage Points

Average Monthly Full Coverage Cost
$87
Average Monthly Minimum Coverage Cost
$41
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks first overall among Alaska car insurance providers
- Ranks first in affordability for Alaska drivers
- Strong mobile app with 24/7 digital claims processing
- Excellent financial stability with A++ AM Best rating
cons
- Limited local agent presence across Alaska's remote areas
- Fewer coverage options for Alaska-specific driving risks
GEICO earns MoneyGeek's highest score (4.5 out of 5) among Alaska insurers. The company ranks first overall with a perfect affordability score and strong customer service.

GEICO offers competitive rates for both clean-record drivers and those with violations. Alaska drivers get comprehensive coverage at rates 24% below state averages, saving about $360 annually.
GEICO's monthly premiums range from $41 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $75 to $95 monthly for full coverage. Young drivers pay $140 to $300 monthly.

These rates run 24% below Alaska averages, saving drivers about $360 annually.

Multi-policy bundles save up to 10%. Military discounts, good student discounts, federal employee discounts and vehicle safety features provide additional savings. GEICO's mechanical breakdown insurance offers extended coverage for newer vehicles.
Customer experience scores 4.2 out of 5. GEICO operates primarily through digital channels with phone support available 24/7 at 800-861-8380. Claims processing runs seven to 10 business days on average.

The mobile app provides claims filing, photo uploads and policy management. Digital tools reduce wait times for routine transactions. Phone support handles complex claims and policy questions, though automated systems may be less accommodating than traditional agent-based service during complicated situations.
Coverage options score 2.5 out of 5, reflecting GEICO's focus on essential protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Alaska minimums (50/100/25) to 250/500/100. Deductibles range from $250 to $2,000.

Coverage options:
- Mechanical breakdown insurance: Extended coverage for newer vehicles beyond manufacturer warranty
- Rental reimbursement: Daily coverage while your car's repaired
- Roadside assistance: 24/7 towing, battery, fuel and lockout service
- Emergency roadside service: Additional assistance programs for breakdowns

Best for Drivers with Violations in Alaska: State Farm

State Farm

Best for Drivers With a DUI, Accident or Speeding Ticket

MoneyGeek Rating

4.1/ 5

4.1/5Affordability

4.7/5Customer Experience

2.5/5Coverage Points

Average Monthly Full Coverage Cost
$107
Average Monthly Minimum Coverage Cost
$43
Agent Service Score
4.6/5
Most Unique Coverage Add-On
Roadside Assistance

pros
- Ranks second overall among Alaska car insurance providers
- Ranks second in customer experience with strong agent network
- Best for drivers with DUIs, accidents, or speeding tickets
- Extensive local agent presence throughout Alaska communities
cons
- Limited coverage options compared to other major insurers
- May not offer the most competitive rates for all drivers
State Farm earns a 4.1 out of 5 MoneyGeek score and ranks second overall among Alaska insurers. The company excels for drivers with violations, combining competitive rates with a 4.7 customer experience score.

State Farm's extensive agent network throughout Alaska provides personalized service. The company offers competitive rates for drivers rebuilding after DUIs, accidents or speeding tickets.
State Farm offers competitive rates for Alaska drivers with violations. Adult drivers pay $105 monthly for full coverage. State minimum coverage costs $43 monthly.

Drivers with violations pay specialized rates that remain competitive compared to other major insurers. Clean-record adults pay $95 to $115 monthly for full coverage.

Drive Safe & Save cuts premiums up to 30% through driving habit monitoring. Multi-policy bundles save around 15%. Good student discounts and accident-free rewards provide additional savings.
Customer experience scores 4.7 out of 5, second among Alaska insurers. State Farm's extensive local agent network provides face-to-face interactions for drivers who prefer in-person service. Claims processing runs seven to 10 business days on average.

The mobile app includes ID cards, bill payments and claim tracking. Round-the-clock claims reporting works through the app, phone at 800-STATE-FARM or your local agent's office. Local agents handle complex claims and policy questions directly.
Coverage options score 2.5 out of 5, reflecting State Farm's focus on core protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Alaska minimums (50/100/25) to 250/500/100.

Coverage options:
- Drive Safe & Save: Tracks mileage and driving through mobile app or beacon, discounts up to 30%
- Rental reimbursement: $25 to $100 daily
- Roadside assistance: Standard towing and emergency services
- Rideshare coverage: Protection for Uber and Lyft drivers

Best Insurer for Drivers with Bad Credit: Progressive

Progressive

Best for Drivers With Bad Credit

0/5Affordability

0/5Customer Experience

0/5Coverage Points

Average Monthly Full Coverage Cost
$137
Average Monthly Minimum Coverage Cost
$65
Agent Service Score
4.3/5
Most Unique Coverage Add-On
Pet Injury Coverage

pros
- Ranks first in customer experience among Alaska insurers
- Ranks first for coverage options and policy flexibility
- Best choice for drivers with bad credit histories
- Snapshot program rewards safe driving with potential discounts
cons
- Higher premiums than most Alaska competitors
- Limited local agent network throughout Alaska
Progressive earns a 4.0 out of 5 MoneyGeek score and ranks third overall among Alaska insurers. The company excels for drivers with bad credit, leading in customer experience and coverage options with perfect 5.0 scores in both categories.

Progressive's technology platform, comprehensive coverage options and specialized programs for high-risk drivers make it worth the premium for Alaska drivers who need more than basic protection. The Snapshot telematics program rewards safe driving habits with substantial discounts.
Progressive offers competitive rates for Alaska drivers with bad credit. Adult drivers pay $133 monthly for full coverage. State minimum coverage costs $65 monthly.

Drivers with bad credit pay $157 monthly for minimum coverage and $335 monthly for full coverage. Drivers with newer cars pay competitive rates at $53 monthly minimum and $111 monthly full coverage.

The Snapshot telematics program can reduce rates by up to 30% for safe drivers. Bundling home and auto insurance saves 5% to 25%. Multi-policy discounts, paperless billing and automatic payment options provide additional savings.
Customer experience scores a perfect 5.0, first among Alaska insurers. The mobile app allows same-day claims decisions, photo uploads and policy management without requiring calls to adjusters, which proves valuable during Alaska's harsh winters.

The company maintains 24/7 claims support at 1-800-776-4737 and processes weather-related claims efficiently through the digital platform. Progressive's technology-first approach reduces wait times compared to traditional insurers, with most routine claims handled entirely through the app.
Coverage options score a perfect 5.0, first among Alaska insurers. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Alaska minimums (50/100/25) to 250/500/100. Deductibles flex from $250 to $2,000.

Progressive's features:
- Pet Injury Coverage: $1,000 per incident for furry passengers
- Custom parts and equipment coverage: Up to $5,000 for aftermarket modifications
- Rideshare coverage: Protection for Uber and Lyft drivers
- Gap insurance: Pays difference between car's value and loan balance
- Rental reimbursement: $30 to $50 daily when your car's in the shop
- Roadside assistance: $16 annually covers towing, battery jumps and lockout services
- Total loss coverage and new car replacement: Addresses Alaska's challenging driving conditions

How to Find the Best Car Insurance in Alaska

Finding the best car insurance in Alaska requires more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver based on driving history, vehicle and budget.

1
Understand Alaska's insurance requirements
Before comparing car insurance quotes in Alaska, know what the state requires: $50,000 bodily injury coverage per person, $100,000 per accident and $25,000 property damage coverage. Alaska doesn't require uninsured motorist coverage, but with 15.4% of drivers operating without insurance, you should add it voluntarily.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old sedan with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 vehicle could cost you thousands in one incident, especially with Alaska's harsh weather conditions and wildlife collision risks.
2
Research average costs
Full coverage car insurance in Alaska costs $1,300 to $2,000 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $3,000 annually for basic coverage with a clean record indicate you're probably overpaying.

Your location affects your rate; Anchorage costs more than rural areas. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find discounts you qualify for
Alaska drivers can tap into several car insurance discounts. Bundling multiple policies often saves up to 25%. Good student discounts reward young drivers who maintain B averages.

Usage-based insurance programs track your actual driving habits. Progressive's Snapshot can save safe drivers up to 30% annually. State Farm's Drive Safe & Save offers similar savings. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare insurance companies, not just prices
Affordable car insurance means more than finding the lowest premium. A $65 monthly policy with minimal coverage and poor claims handling isn't cheaper than an $85 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences, especially for weather-related damage. Check financial stability ratings from AM Best. Look at coverage options. GEICO leads Alaska insurers with strong affordability and customer service. Progressive offers perfect scores for customer experience and coverage options, ideal for drivers needing comprehensive protection.
5
Compare quotes through multiple means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. State Farm's extensive Alaska agent network provides personalized service for drivers who prefer in-person interactions.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review your policy every year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Alaska

State minimums often don't provide enough financial protection for real accident costs. Alaska ranks 35th nationally for traffic safety, meaning crashes occur more frequently than drivers expect.

An emergency room visit costs about $2,200 on average nationwide. A serious trauma case at an Anchorage, Fairbanks or Juneau hospital costs $35,000 to $50,000. Even minor vehicle repairs typically exceed $15,000.

Minimum coverage won't protect you if you cause a multi-person accident on the Parks Highway, Sterling Highway or Glenn Highway. Lawsuits will drain your savings and garnish your wages.

Alaska's traffic death rate of 8 per 100,000 residents exceeds the national average, while 15.4% of drivers operate without insurance (roughly 88,000 uninsured motorists on the road). These factors make robust liability coverage and uninsured motorist protection valuable.

MoneyGeek recommends these coverage levels for Alaska drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs roughly $20 to $30 more monthly than Alaska's 50/100/25 minimums and covers most Alaska drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $30 to $45 more monthly than minimums but protects your assets if you cause a serious accident. Alaska's elevated traffic fatality rate makes adequate liability limits crucial for protecting your financial future.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $25 to $35 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Alaska due to frequent weather-related damage from heavy snow, ice storms and wildlife collisions. Anchorage reports higher vehicle theft rates than many cities. Collision protection becomes vital in tourist-heavy areas like Denali National Park and Kenai Peninsula where seasonal traffic increases accident risks.

Uninsured/Underinsured Motorist: Alaska doesn't require this coverage, but you should carry limits matching your liability coverage. With roughly 99,000 uninsured vehicles on Alaska roads (15.4% of all vehicles), this protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and repairs.

Medical Payments: $5,000 to $10,000 covers immediate accident expenses regardless of fault. In Alaska's at-fault system, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims process.

Medical payments coverage costs about $8 to $18 monthly for $5,000 protection, which is worth it given Alaska's challenging road conditions.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $20 to $30 annually, proving invaluable during Alaska's harsh winters.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Alaska

Alaska's competitive insurance market keeps car insurance rates affordable for most drivers. State minimum coverage costs just $47 monthly, ranking Alaska first nationally for affordable basic coverage.

Full coverage runs $64 more monthly than the state minimum. Average premiums hit $111 monthly for full coverage with a $1,000 deductible, 11% below the national average.

Compare your quotes with these averages using the table or our Alaska car insurance calculator.

Data filtered by:


Clean	$47	$111	1
Not At Fault Accident ($1000-$1999 Prop Dmg)	$47	$111	2
Speeding 11-15 MPH over limit	$56	$132	4
Texting While Driving	$56	$133	3
DUI - BAC >= .08	$60	$139	10
At Fault Accident ($1000-$1999 Prop Dmg)	$66	$153	7

HOW VIOLATIONS AFFECT YOUR RATES IN NORTH CAROLINA

DUI violations slam Alaska drivers with 41% rate increases plus mandatory SR-22 filing requirements. Texting while driving bumps premiums 25%, adding $37 monthly to full coverage. At-fault accidents raise rates 19%, costing drivers an extra $22 per month. These violations significantly impact the state's already high insurance costs.

Best Alaska Auto Insurance: Bottom Line

GEICO ranks first for most Alaska drivers with a 4.5 overall score, balancing competitive rates ($84 monthly full coverage), strong customer service and solid coverage options. Your priorities determine the best choice: State Farm excels for drivers with violations through competitive rates and a 4.7 customer experience score, and Progressive leads for drivers with bad credit through perfect customer experience and coverage scores.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Alaska: FAQ

Finding suitable car insurance depends on your unique situation. Common insurance questions provide clarity to help you select appropriate coverage.

What do I need to get car insurance in Alaska as a new resident?

New Alaska residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Alaska's minimum requirements of 50/100/25.

Can I drive in Alaska with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Alaska insurance within 30 days.

Your out-of-state policy must meet Alaska's minimum requirements of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident for bodily injury and $25,000 for property damage. Military members stationed in Alaska can keep their home-state insurance as long as it meets their home state's minimum standards.

What happens if I get caught driving without insurance in Alaska?

Driving without insurance results in immediate license suspension, plus you'll pay a $500 civil penalty and up to $100 for license restoration for first-time offenders. Repeat violations within three years bring steeper fines and potential license revocation. Alaska requires SR-22 certification for three years, significantly increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Alaska?

Purchase your new policy before canceling coverage to avoid gaps that could trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Alaska insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Alaska offer car insurance discounts for military members?

Most Alaska insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal Credit Union specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

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%): We looked at quotes for different driver profiles and compared rates within Alaska. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): 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%): 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »