GEICO offers Alaska's most affordable coverage, with monthly rates of $41 for minimum coverage and $87 for full coverage. Drivers save $18 monthly, or 22%, compared to state averages. Get quotes from State Farm, Allstate, Western National and Progressive too.
Cheapest Car Insurance in Alaska
Updated: August 19, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, State Farm and Allstate are the cheapest car insurance companies for most Alaska drivers, with average savings of up to 22%.
Car insurance costs can be as low as $36 monthly for minimum coverage and $76 for full coverage policies on average in Alaska.
To get the cheapest car insurance in Alaska, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Alaska?
| Geico | $41 | $87 | -22% |
| State Farm | $43 | $107 | -8% |
| Allstate | $45 | $120 | 1% |
| Western National Insurance | $44 | $125 | 4% |
| Progressive | $65 | $137 | 24% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Best Car Insurance Rates by Category in Alaska
GEICO offers the cheapest car insurance rates for eight out of 10 driver categories in Alaska, while Western National and State Farm lead with the most affordable rates in one category each. Find your specific rates in the table:
| Young Drivers | Geico | $79 |
| Adult Drivers | Geico | $40 |
| Senior Drivers | Geico | $49 |
| Drivers With An Accident | Western National Insurance | $44 |
| Drivers With A DUI | State Farm | $46 |
| Drivers With A Speeding Ticket | Geico | $49 |
| Drivers With Bad Credit | Geico | $96 |
| Drivers With Low Income | Geico | $64 |
| Drivers With Newer Cars | Geico | $50 |
| Drivers With Old Cars | Geico | $37 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Alaska for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Western National offers the lowest rates at $229 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Western National Insurance | $239 | $2,865 | -34% |
| Geico | $270 | $3,234 | -26% |
| Progressive | $434 | $5,206 | 20% |
| State Farm | $427 | $5,123 | 18% |
| Allstate | $444 | $5,324 | 22% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Alaska by City
Where you live in Alaska affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $36 in Douglas but $55 in JBER. Here are the cheapest providers for every Alaska city.
Data filtered by:Results filtered by:
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City:Adak
| Adak | Geico | $39 | -23% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Alaska By Driver Age Group
We analyzed car insurance rates across Alaska for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can find the lowest rates with GEICO starting at $79 per month
- Adult drivers get the best deals through GEICO with rates from $40 per month
- Senior drivers see the most affordable coverage from GEICO starting at $49 per month
Cheapest Car Insurance For Young Drivers in Alaska
Young drivers in Alaska get their best rates from Allstate. Minimum coverage costs $77 per month, saving drivers 27% compared to other providers. GEICO leads for full coverage at $174 monthly, saving young drivers 32%.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Western National Insurance | $514 | $6,168 | -39% |
| Geico | $561 | $6,736 | -33% |
| Progressive | $1,187 | $14,243 | 41% |
| Allstate | $928 | $11,132 | 10% |
| State Farm | $1,021 | $12,252 | 21% |
Cheapest Car Insurance For Adult Drivers in Alaska
GEICO offers Alaska's lowest rates for adult drivers: $40 monthly for minimum coverage and $84 for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Western National Insurance | $239 | $2,865 | -34% |
| Geico | $270 | $3,234 | -26% |
| Progressive | $434 | $5,206 | 20% |
| State Farm | $427 | $5,123 | 18% |
| Allstate | $444 | $5,324 | 22% |
Cheapest Car Insurance For Senior Drivers in Alaska
GEICO offers Alaska seniors the lowest rates for both full and minimum coverage, with annual premiums of $1,121 and $586 respectively.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Geico | $301 | $3,607 | -35% |
| Western National Insurance | $311 | $3,731 | -33% |
| Progressive | $685 | $8,221 | 47% |
| State Farm | $509 | $6,106 | 9% |
| Allstate | $522 | $6,268 | 12% |
Cheapest Car Insurance For High-Risk Drivers in Alaska
We studied four core areas for profiles insurers consider particularly high-risk in Alaska including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: GEICO (From $96/mo)
- Cheapest With a DUI: State Farm (From $46/mo)
- Cheapest With an Accident: Western National Insurance (From $44/mo)
- Cheapest With a Speeding Ticket: GEICO (From $49/mo)
Cheapest Car Insurance For Bad Credit in Alaska
GEICO offers the lowest car insurance rates in Alaska for drivers with poor credit. Annual premiums start at $1,135 for minimum liability coverage and $2,686 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Western National Insurance | $327 | $3,923 | -32% |
| Geico | $333 | $3,993 | -31% |
| Progressive | $521 | $6,255 | 8% |
| Allstate | $521 | $6,252 | 8% |
| State Farm | $716 | $8,596 | 48% |
Cheapest Car Insurance With a DUI in Alaska
Western National Insurance provides the lowest rates for Alaska drivers with DUIs, with annual premiums starting at $525. State Farm follows as the second most affordable option, offering coverage at $545 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Western National Insurance | $239 | $2,865 | -28% |
| Progressive | $324 | $3,893 | -2% |
| Geico | $317 | $3,804 | -4% |
| Allstate | $376 | $4,518 | 14% |
| State Farm | $396 | $4,757 | 20% |
Cheapest Car Insurance With an Accident in Alaska
Western National Insurance provides the most affordable car insurance for Alaska drivers with an accident on their record. The company's minimum liability coverage costs $44 per month or $525 per year, making it substantially cheaper than other insurers in Alaska.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Western National Insurance | $239 | $2,865 | -34% |
| Geico | $270 | $3,234 | -26% |
| Progressive | $434 | $5,206 | 20% |
| State Farm | $427 | $5,123 | 18% |
| Allstate | $444 | $5,324 | 22% |
Cheapest Car Insurance With an Speeding Ticket
Alaska drivers with speeding tickets can find the lowest rates through Western National Insurance. The company offers minimum coverage at $525 per year, while full coverage costs $1,462 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Geico | $231 | $2,769 | -26% |
| Western National Insurance | $239 | $2,865 | -24% |
| Progressive | $380 | $4,555 | 21% |
| Allstate | $320 | $3,837 | 2% |
| State Farm | $396 | $4,757 | 27% |
How to Get the Cheapest Car Insurance in Alaska
Finding the most affordable insurance companies is just one step toward reducing your car insurance costs in Alaska. Here are proven ways to save the most on auto insurance and get the best value for your money.
- 1
Compare multiple providers through various means
Compare quotes from multiple providers to get the best price. Your quotes will vary depending on your method of getting them, such as captive agents, independent agents, comparison sites and provider websites.
- 2
Decide on your coverage needs before buying
Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection. Review your state's minimum requirements and assess your personal financial situation before making a decision.
- 3
Choose to get a lower coverage amount if appropriate
Lowering your coverage level and deductibles can save you money if you can afford the higher out-of-pocket costs. However, evaluate your risk based on your finances, driving habits, location and vehicle before making this choice.
- 4
Research costs and take advantage of discounts
Research average auto insurance costs for your specific profile to understand potential savings. Explore available discounts and compare home and auto insurance bundles to maximize your savings.
- 5
Consider auto insurance alternatives
Look into alternative policies like pay-per-mile or telematics insurance if traditional coverage is too expensive. These options can provide significant savings, especially for low-mileage drivers or those with safe driving habits.
- 6
Improve your risk profile
Work on improving your credit score and maintaining safe driving habits. These factors can significantly impact your insurance rates and lead to long-term savings.
- 7
Get a cheaper car to insure
Consider an older, more affordable vehicle if you're in the market for a new car. Reliable cars with lower repair costs typically have lower insurance rates, leading to ongoing savings.
Risks of Getting the Cheapest Car Insurance in Alaska
Alaska's minimum required coverage follows a 50/100/50 liability structure. This means drivers must carry $50,000 for bodily injury liability per person, $100,000 total injury coverage per accident and $50,000 for property damage liability. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Alaska, average property damage claims hit $4,782 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Alaska gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information shows weather-related vehicle damage averaged $3,890 per claim in 2023. Basic coverage won't pay for snow or flood damage. Add comprehensive coverage to protect against harsh weather conditions.
Bodily injury damage is more likely to exceed minimum limits
Alaska's $50,000 minimum bodily injury coverage often isn't enough. Insurance Information Institute data shows average bodily injury claims in Alaska reached $43,290 in 2023, close to the minimum limit. Rising healthcare costs mean you could face major out-of-pocket expenses. Consider increasing coverage to at least $100,000 per person for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Alaska has a serious uninsured driver problem, with 13.2% of drivers lacking insurance. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Alaska, according to National Insurance Crime Bureau statistics. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Alaska: Bottom Line
GEICO offers the lowest car insurance rates in Alaska for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Alaska: FAQ
Below, our insurance experts answer frequently asked questions about finding affordable car insurance in Alaska.
What are the cheapest car insurance companies in Alaska?
GEICO leads Alaska's car insurance market with average rates of $487 for minimum coverage and $1,040 for full coverage annually. State Farm, Allstate, Western National Insurance and Progressive also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Alaska?
GEICO provides the lowest rates for young drivers in Alaska, with monthly premiums starting at $79.
Who offers the cheapest car insurance rates for seniors in Alaska?
Senior drivers in Alaska can find the lowest rates with GEICO, which offers monthly premiums around $49 for drivers aged 65 and older.
Who has the cheapest car insurance in Alaska for bad credit?
GEICO provides the lowest rates for bad-credit drivers in Alaska, with monthly premiums averaging $96 for minimum coverage and $224 for full coverage.
Who has the cheapest car insurance in Alaska with an accident?
Western National Insurance offers the most affordable rates in Alaska for drivers with accident records, starting at $44 per month.
Who has the cheapest car insurance in Alaska with a DUI?
State Farm provides the cheapest car insurance after a DUI in Alaska. Monthly rates start at $46 for minimum coverage and $113 for full coverage.
Who has the cheapest car insurance in Alaska for those with a speeding ticket?
After getting a speeding ticket, GEICO provides Alaska's most budget-friendly auto insurance at $49 monthly for minimum coverage and $110 for full coverage.
Should you buy the cheapest car insurance in Alaska?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Alaska.
How We Found the Most Affordable Car Insurance in Alaska
MoneyGeek collected auto insurance data from the Alaska Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Alaska.
Alaska Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Alaska
We compared car insurance companies in Alaska that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Alaska.
The minimum coverage liability limits in Alaska are:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 27, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 27, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 27, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 27, 2025.