Alaska Car Insurance Calculator: Cost & Coverage

• MoneyGeek’s Alaska car insurance rates come from insurer filings provided by Quadrant Information Services, a data source widely used across the insurance industry. Rates reflect pricing for specific Alaska ZIP codes rather than broad national averages.
• The ZIP code calculator uses your location to estimate rates from insurers operating in your area. Premiums can vary significantly across Alaska depending on factors such as weather exposure, population density and regional repair costs.
• Rates are analyzed by Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer and MoneyGeek’s lead insurance analyst, with review by Mark Friedlander of the Insurance Information Institute. Neither has a business relationship with any insurer featured on this page.
• MoneyGeek does not sell insurance or accept payments from insurers in exchange for recommendations or rankings. Rate estimates are based on verified insurer filings and independent data analysis, not pricing information provided directly by insurance companies.

The difference between the most expensive and cheapest insurers in Alaska reaches about $49 per month for the same driver profile. Some of the state’s lowest-cost options also do not appear on most national comparison platforms, which means drivers relying only on large quote sites may miss cheaper coverage entirely.

GEICO has one of Alaska’s lowest average minimum coverage rates at about $84 monthly, while Progressive averages closer to $133. Western National Insurance, a regional Alaska-only insurer, prices several driving profiles similarly, including drivers with accidents or DUIs. Because it does not appear on major comparison sites, Alaska drivers should request a direct quote before choosing a policy.

Where you live in Alaska affects insurance costs because accident exposure changes significantly by region. Drivers in Ketchikan generally pay less than drivers in Anchorage because the area has fewer roads, fewer vehicles and lower traffic density. Anchorage’s larger road network and higher traffic volume increase the likelihood of claims, which pushes rates higher.

Rates can also vary within the same city. Anchorage ZIP codes differ by as much as $15 per month, so drivers should confirm that the garaging address listed on the policy accurately matches where the vehicle is kept.

The largest young-driver rate drop in Alaska happens at age 17, not 25. Rates fall by about $76 per month at 17, compared to roughly $23 at 25. Another major decrease happens at 19, when premiums fall by about $62 monthly.

Young drivers in Alaska pay around $257 per month for full coverage, more than twice the adult average. Insurer pricing also changes sharply for teen drivers. Adding a teenager to a Progressive policy can cost far more than adding the same driver to a GEICO policy, which makes adding a young driver an important time to compare quotes again.

Credit score creates one of the largest pricing gaps in Alaska’s insurance market. Drivers with Poor credit pay thousands more annually than drivers with Good credit, and several insurers actually charge more for Excellent credit than Good credit.

State Farm has some of the highest Poor-credit rates in Alaska, while GEICO tends to price more competitively for drivers with improving credit. In Alaska, reaching the Good credit tier usually matters more for insurance pricing than moving from Good to Excellent.

In Alaska, an at-fault accident raises rates more on average than a DUI. Some insurers apply minimal surcharges after either violation, while others increase premiums much more aggressively.

Western National Insurance keeps rates relatively stable across driving records, while State Farm has one of the state’s lowest average DUI rates. Alaska’s DUI lookback period lasts five years after the revocation period ends, so drivers often benefit from comparing quotes again once that window expires.

The price difference between full and minimum coverage in Alaska averages about $64 per month, which is much smaller than the pricing gaps tied to credit score or insurer choice. Because of that, lowering coverage is often not the biggest savings opportunity available.

Full coverage generally includes higher liability limits along with comprehensive insurance and collision insurance. Drivers financing a vehicle or driving in areas with frequent wildlife collisions often benefit from keeping full coverage despite the additional premium.

Alaska reports hundreds of moose-related vehicle collisions every year, and those claims fall under comprehensive coverage. Moose and other wildlife collisions are one of the state’s most common non-collision insurance risks, especially on rural highways and low-visibility roads.

Drivers financing or leasing a vehicle are typically required to carry full coverage. For vehicles owned outright, the decision to keep comprehensive and collision coverage usually depends on the car’s current market value compared to the annual premium cost.

Alaska requires $50,000 per person and $100,000 per accident in bodily injury liability, and it does not require personal injury protection. Many Alaska insurance guides list a PIP requirement, but there is none. Bodily injury liability pays medical costs, lost wages, and legal fees for people you injure when you're at fault. Alaska's 50/100 minimum is among the highest in the country, but the 100/300 limit is the standard recommendation for drivers with assets.

Property damage liability pays to repair or replace vehicles and property you damage when you're at fault. Alaska requires $25,000 per accident. That minimum covers most single-vehicle damage claims but won't protect you if you total a newer car or hit a commercial vehicle.

Uninsured motorist coverage in Alaska comes included on every policy at limits matching your liability unless you've rejected it in writing. It pays your costs when the at-fault driver has no insurance or not enough. The Insurance Research Council found an estimated 12.5% of Alaska drivers were uninsured in 2023. Keeping the coverage at 50/100 adds minimal cost relative to the protection it provides.

Collision covers your vehicle after an impact regardless of fault. Comprehensive covers damage from events outside a collision: fire, theft, and wildlife. The Alaska Division of Insurance names moose and bear collisions by name in its consumer guide as covered comprehensive events. If you've paid off the car, weigh the annual premium for both coverages against the vehicle's current market value before dropping either.

Gap insurance covers the difference between what you owe on your vehicle and what your insurer pays if it's totaled. If you financed recently, your gap coverage decision depends on how much equity you've built and whether your lender requires it.

An SR-22 isn't insurance. It's a filing from your insurance company confirming you carry Alaska's minimum liability. For most violations, you'll keep it for three years. For a DUI conviction, the filing runs five years from the date your revocation ends, not three. A single lapse in coverage resets the period from the start.

1. Get a direct quote from Western National Insurance. The $49 gap between the cheapest and most expensive insurance company in Alaska closes to zero on national platforms. Western National Insurance doesn't appear on Geico, Progressive, or any comparison aggregator. It prices violations and poor credit the same as a clean record. Go directly.

2. Verify your credit tier at each carrier. In Alaska, Excellent credit triggers a rate increase over Good at three of five insurance companies. Allstate's gap is $67 a month. If your credit recently improved, re-quote before assuming your rate dropped. The target tier is Good for most carriers and Excellent only at Western National Insurance.

3. Run the calculator before every renewal, not after. Alaska carriers can raise rates without notifying you. Violations also age off: at-fault accidents after three years, DUIs after five from revocation end. Re-quoting at either milestone captures the rate change. All five Alaska carriers price differently at every profile point.

4. Note the Alaska re-shop triggers. The 17th and 19th birthdays produce drops of $76 and $62, each bigger than the $23 at 25. Adding a young driver is a re-shop event: the gap between the highest and lowest young-driver carrier rate is $189 a month. At 70, rates start climbing. GEICO's senior multiplier is the most forgiving of the five Alaska carriers at the reversal point.