Cheapest Car Insurance in Alaska for 2026

At $106/month for full coverage, Alaska ranks 18th most affordable in the country, a reasonable rate given how remote driving conditions push costs up. GEICO is the price leader across nearly every category we analyzed: minimum coverage, full coverage, young drivers, seniors and most violations. State Farm is the exception. Its bad-credit rate of $628/month sits $523 above its own clean-record rate of $105/month, one of the sharpest bad-credit penalties in our analysis.

Cheapest in Alaska by coverage type

• Full coverage: GEICO, $84/month
• Minimum coverage: GEICO, $40/month

Cheapest by city

• Anchorage: GEICO, $104/month
• Fairbanks: GEICO, $100/month
• Juneau: GEICO, $76/month

Cheapest by driver age

• Teen drivers (16) on a family policy: Western National Insurance, $346/month (female) / $375/month (male)
• Seniors (65+): GEICO, $93/month

Cheapest by driving record and credit score

• Speeding ticket: GEICO, $107/month
• At-fault accident: State Farm, $120/month
• DUI: State Farm, $111/month
• Texting while driving: GEICO, $108/month
• Bad credit: GEICO, $224/month

GEICO is cheapest for both coverage types: $40/month for minimum coverage and $84/month for full. The gap between cheapest and most expensive is $49/month. Progressive runs $133/month for full coverage, $588 more per year for the same tier.

Alaska's liability minimum of 50/100/25 is among the highest in the country: $50,000 per person, $100,000 per accident and $25,000 in property damage. It's an at-fault state with no PIP or mandatory UM/UIM requirement. 

The high minimums reflect the realities of driving here: remote roads and thin emergency infrastructure mean a serious accident can create financial exposure well beyond what lower-minimum states require drivers to carry.

Across all 10 Alaska cities we analyzed, GEICO is the cheapest provider, with rates ranging from $76/month in Juneau, Ketchikan and Kodiak to $104/month in Anchorage. That $28/month gap reflects a real structural difference: Anchorage holds roughly 40% of the state's population, pushing traffic density and claims volume higher than anywhere else in Alaska. 

The four cheapest cities (Juneau, Ketchikan, Kodiak and Sitka) are accessible mainly by air or ferry, which keeps traffic low and insurance risk lower. Wasilla and Palmer land at $98/month each, close to Anchorage pricing given their position just north of the metro area.

Western National leads family policies for 16-year-old drivers ($346/month for girls, $375/month for boys), then GEICO is cheapest from age 17 through 24. Both genders converge at Western National at $214/month by age 25. For seniors, GEICO is cheapest at $93/month, only $9 above its standard adult rate.

Two patterns emerge from the violation data across all five providers. GEICO has the lowest rates for speeding tickets ($107/month) and texting while driving ($108/month). State Farm is cheapest for at-fault accidents ($120/month) and DUI ($111/month). The DUI range runs only $48/month, from State Farm to Progressive's $159/month, which is unusually tight.

The bad-credit data tells a different story. GEICO's rate of $224/month is the lowest we found. State Farm's $628/month runs $404 above GEICO and $523 above its own clean-record rate of $105/month, one of the most extreme bad-credit penalties in our data. If your credit is poor, GEICO is the clear choice and State Farm is one to avoid.

Alaska's legal minimums are higher than most states', but higher isn't the same as adequate. The state requires at least 50/100/25 liability limits, double the bodily injury floor of the national baseline, putting Alaska among the more protective states on paper. Minimum coverage only pays for the other driver's injuries and property damage, not yours. Full coverage is needed for that protection. 

If you cause a serious crash with multiple injured passengers, that $100,000 per-accident cap gets divided across every victim. In a rollover on the Seward Highway with three people hurt, it goes fast. Here's how Alaska's required limits compare to the rest of the country, and what the minimum leaves uncovered.