Cheapest Car Insurance in Alaska

Compare the monthly car insurance rates in Alaska below based on your age and driving history to find the cheapest car insurance company for you:

Cheapest by coverage type

• Full coverage: GEICO, $83
• Minimum coverage: GEICO, $40

Cheapest by driver age

• Teen drivers (16): Western National, $126
• Young drivers (20): GEICO, $76
• Seniors (65+): GEICO, $49

Cheapest by driving record

• Speeding ticket: Western National, $44
• At-fault accident: Western National, $44
• DUI: Western National, $44
• Bad credit: GEICO, $95

Rates refreshed: November 2, 2025

GEICO offers Alaska's cheapest minimum coverage car insurance at $40 monthly or $473 yearly, beating state averages by 15%. State Farm ($42 monthly) and Western National ($43 monthly) also cost less than average rates by 10%.

Alaska requires $50,000 for bodily injury per person, $100,000 per accident and $25,000 for property damage (50/100/25). The state also requires personal injury protection (PIP) coverage with a minimum of $10,000, making it one of only 12 no-fault states in the U.S.

Alaska operates under a no-fault insurance system. Your insurance company pays for your medical expenses and lost wages after an accident, regardless of who caused it. Your PIP coverage handles up to 80% of medical expenses and pays for lost wages up to your policy limit. Vehicle damage claims follow different rules and you file property damage claims against the at-fault driver's insurance company, not your own.

Alaska's minimum coverage is cheaper but might not be enough protection. With 13% of Alaska drivers uninsured, add bodily injury liability (100/300/100 recommended) and uninsured motorist coverage to protect yourself from uninsured drivers. See our guide to how much car insurance you need.

GEICO has Alaska's cheapest full coverage car insurance at $83 monthly or $989 yearly, saving drivers 25% compared to state averages. State Farm follows as the second cheapest at $103 monthly.

Full coverage combines comprehensive and collision protection with your liability policy. Collision pays for vehicle repairs when you cause an accident, while comprehensive handles damage from severe weather, floods and vehicle theft.

The cheapest minimum coverage in Alaska ranges from $36 in Juneau to $50 in Anchorage.  The lowest-priced full coverage starts at $76 in Juneau and $106 in Fairbanks. 

GEICO offers the lowest rates in most of the state’s largest cities, but Allstate and State Farm are cheaper depending on where you live. Alaska has more affordable rates in lower population cities that have access to repairs and higher rates in remote locations and high traffic cities like Anchorage.

For 16-year-olds in Alaska, Western National offers the most affordable rates at $126 for state minimum coverage and $354 for full coverage.  At age 18, Allstate is the cheapest at $93, and GEICO is the cheapest by age 25, with rates that drop to $38. Young drivers should ask for a good student discount if they qualify and stay on their parents' insurance policy to lower costs.

GEICO offers the cheapest minimum coverage for seniors, starting at $49 monthly for 65-year-olds. State Farm provides the cheapest option at age 70 ($43 monthly) and GEICO is cheapest for ages 80 and 90. GEICO  also offers the cheapest full coverage for seniors ages 65 to 90, starting at $94 monthly for 65-year-olds. To lower rates, seniors should lower their mileage estimates if they drive less and take a defensive driving course.

High-risk drivers in Alaska pay more for car insurance, but comparison shopping helps you find the lowest rates. Each insurer prices violations differently, so comparing quotes can save hundreds annually. 

Here's who offers the cheapest rates for each violation type:

• DUI violations: Western National ($44 monthly), State Farm ($46)
• Speeding tickets: Western National ($44 monthly), State Farm ($46)
• At-fault accidents: Western National ($44 monthly), State Farm ($50)
• Bad credit: GEICO ($95 monthly), Western National ($99)

Drivers requiring SR-22 filing should see our guide to the cheapest SR-22 coverage in Alaska.

For Alaska drivers with a DUI, Western National offers the most affordable rates at $44 monthly minimum coverage and State Farm has the cheapest rates at $112 for full coverage. Western National has only a small penalty for a DUI, resulting in much lower rates than expected.

Western National offers the cheapest rates after an accident at $44 monthly for minimum coverage and $122 for full coverage. State Farm ($50) and GEICO ($58) provide affordable alternatives. At-fault accidents raise premiums by 25% to 50%, but these insurers charge less than competitors.

Alaska insurers raise your rates after at-fault crashes, with increases depending on claim size and accident severity. Minor accidents affect premiums for three years, while serious collisions influence rates for up to five years. Rates drop gradually, with the biggest decreases after three years. Shop around annually since insurers weigh driving records differently.

Western National offers the cheapest minimum coverage after a speeding ticket at $44 monthly. State Farm charges $46, and GEICO charges $49. GEICO has the lowest full coverage rates at $107.

Alaska adds points to your license for speeding, with higher speeds bringing more points. Several insurers offer accident forgiveness programs covering minor speeding tickets, preventing rate increases after your first offense. Enroll in a traffic school course to remove points and lower your premiums.

Drivers with poor credit in Alaska will find that GEICO offers the most affordable rates at $95 monthly for minimum coverage. Western National follows at $99 monthly, while Allstate charges $126. GEICO has the lowest rates for full coverage at $224 if you have bad credit. 

Alaska allows insurers to use credit scores when setting rates, which leads to higher rates for those with bad credit, but comparison shopping will save you up to 39%.

Boosting your credit score by 50 to 100 points can reduce your insurance rates within six months to a year. Compare quotes every six months while rebuilding credit since insurers evaluate credit scores differently when setting premiums.

Alaska's extreme winter weather, remote geography and wildlife encounters on isolated roads create unique insurance challenges. Get affordable coverage by comparing rates across multiple insurers and using these strategies:

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Alaska.

Alaska drivers deal with unique insurance challenges: extreme weather, remote locations and limited insurer competition all push premiums higher than the national average. We designed our research to find which companies actually offer affordable rates across Alaska's diverse geography and driver profiles.

We pulled rate data from the Alaska Division of Insurance and gathered quotes from major insurers operating in all residential ZIP codes. Our analysis covered more than 47 million rate comparisons across Alaska to identify the cheapest options for different ages, driving records, coverage levels and family situations.

Sample profiles included:

• Young drivers (ages 18-25) and seniors (65+)
• Clean records vs. drivers with accidents or violations
• Minimum coverage vs. full coverage with comprehensive and collision
• Single drivers vs. families adding teens

Alaska's geography means your location affects rates. A driver in Anchorage pays different premiums than someone in Fairbanks or Juneau. We analyzed rates across all ZIP codes to capture these regional variations and help you find the cheapest coverage wherever you live.