Cheapest Car Insurance in Alaska 2026

GEICO is Alaska's cheapest car insurance provider, averaging $40 per month for minimum coverage and $87 per month for full coverage. That's $3 to $4 less than State Farm ($ 43/month) and Allstate ($44/month).

If you currently have State Farm, Allstate, Progressive, or Western National, switching to GEICO could save you up to $48 per year for the same minimum coverage, or $22 per month, for a total of $624 annually.

GEICO is best for drivers who want only minimum liability; drivers who want comprehensive and collision coverage should pay the extra $3 to $4 for State Farm or Allstate agent networks.

GEICO offers Alaska's cheapest car insurance for teens and young adults on a family policy with the auto insurer’s full coverage rates for teens and young adult males aged 17-25 ($180 to $455) and females 19-25 ($183 to $299). Allstate is the most affordable for teen females ages 16 to 18 ($381 to $472), with an average rate of $417 per month. After that, GEICO is the cheapest with rates averaging $218 a month.

If you’re shopping for a 16-year-old son, look for Western National under its Alaska name, Umialik Insurance. Western National offers the lowest rate at $547 a month, and you can get a quote through a local independent agent and file your claims with the same person. At 17, get quotes from Western National and GEICO - especially if you prefer to speak with local Umaialik insurance agents - switching could be more of a hassle than the savings at this age.

GEICO has the cheapest car insurance for seniors in Alaska at $97 a month for full coverage, at least $33 less than every other insurer MoneyGeek analyzed in Alaska. Progressive charges the most at $194, so switching from Progressive to GEICO could save seniors $1,164 a year.

Every insurer raises full coverage rates at 65, but Progressive raises its rate the most, by $71 a month, compared with GEICO’s $10. If you’re nearing 65, compare car insurance quotes at least 30 days before your policy renews, when a higher senior rate could start.

To save more money, drivers 55 and older with a clean driving record for the past three years can get a car insurance discount by finishing an approved accident prevention course that a court didn’t order. Ask your insurer for the discount when your policy renews, and the discount lasts three years from the day you finish the course.

GEICO and State Farm offer the cheapest car insurance for high-risk drivers in Alaska. GEICO is the cheapest after a speeding ticket ($111 per month) or a texting violation ($112 per month). After a DUI, State Farm is the most affordable auto insurer at $116 a month, while GEICO's rate rises from $66 to $153, so choosing State Farm saves you up to $444 a year. For drivers in Alaska with poor credit, GEICO is the clear choice at $233 a month, compared with $655 at State Farm, so GEICO could save you about $5,064 a year.

After an at-fault accident, State Farm costs $5 less than GEICO ($125 vs. $130), and if you'd rather have a person guide your claim, State Farm's local agents make it the better pick over GEICO's mobile app and phone line.

The cheapest car insurance in Alaska is typically offered by GEICO - the insurer is the least expensive in 9 of 11 cities, ranging from $79 a month for full coverage in Juneau and Kodiak to 108 in Anchorage. Progressive costs the least in Ketchikan ($78) and Wrangell ($80).

Car insurance costs more in Alaska's most populous cities, such as Anchorage and Fairbanks, as well as in smaller communities like Wasilla and Palmer. About 40% accidents occur in Anchorage, leading to more fatal collisions in the city. Towns that rely primarily on plane or boat transport cost up to $30 less per month or $360 a year.

Get your first quote from GEICO almost anywhere in Alaska, add a Progressive quote in Ketchikan or Wrangell, and tell your insurer every time you move.

*Alaska rates are priced at the ZIP code level. A driver who moves from Anchorage to Juneau and does not update their address pays Anchorage rates, $29/month more than the correct rate with the same carrier.

Yes, minimum coverage is a risk in Alaska if you can’t afford to replace your car, since it only pays for damage you cause to others, not damage to your own car after a crash or one of Alaska’s 800+ yearly moose collisions (Alaska Department of Fish and Game).

Alaska’s 50/100/25 state-mandated minimum coverage pays up to $50,000 per injured person, $100,000 per crash, and $25,000 for property damage, like another person’s car, and you pay the rest.

Full coverage also fixes your own car, with collision for crashes and comprehensive for theft, broken glass or hitting a moose. It costs $564 more a year at GEICO, and if full coverage is too expensive, you can buy comprehensive alone, though it won't pay if you swerve to avoid a moose and hit something else.

Get full coverage from GEICO unless your car is worth $2,000 or less. For a $2,000 car, insurance would pay you at most $1,000 after your deductible, the amount you pay first, which is about what two years of full coverage costs.