Overall, the cheapest motorcycle insurance in Alaska is offered by Progressive with median rate of $11 per month or $137 yearly.
Cheapest Motorcycle Insurance in Alaska
Updated: April 20, 2025
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Key Takeaways
For most riders in Alaska, Progressive offers the cheapest motorcycle insurance with average annual rates of $76 for minimum coverage and $256 for full coverage.
Motorcycle insurance in Texas costs an average of $7 per month for minimum liability coverage and $19 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Alaska
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $11 | $137 |
Geico | $14 | $173 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Alaska
Below you can view the cheapest motorcycle insurance in Alaska by cost category:
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Progressive | $6 |
Full Coverage | Progressive | $16 |
Young Riders | Progressive | $13 |
Seniors | Progressive | $6 |
Riders with a Speeding Ticket | Progressive | $8 |
Riders with an At-Fault Accident | Progressive | $8 |
Riders with a DUI | Progressive | $8 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Alaska?
The average annual cost of motorcycle insurance in Alaska is around $83 for minimum coverage and $226 for full coverage. These costs make the state the 1st in affordability for minimum coverage and the 3th cheapest overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $8 | $83 | -46% |
Full Coverage | $17 | $226 | -60% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Alaska Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Alaska.
Choose a Coverage Level Beforehand
Understanding your specific motorcycle insurance needs can prevent you from being upsold on unnecessary coverage levels. By identifying what protection truly matters for your situation, you'll avoid paying for excessive policy features while still maintaining adequate safeguards.
Compare Multiple Providers
Comparing multiple providers on identical coverage levels can help you save up to 35% on motorcycle insurance policies in Texas. For the best possible pricing, we recommend not only comparing quotes from several companies but also utilizing multiple channels for obtaining quotes.
Take Advantage of Discounts
Qualifying for various discounts like pay-in-full, autopay, and military/membership reductions can significantly lower your motorcycle insurance costs with most providers. Bundling your motorcycle coverage with other policies you already have is another effective strategy to save money while maintaining coverage through your current insurance company.
Get a Full Motorcycle License
Obtaining a full motorcycle license rather than just an endorsement can substantially reduce your insurance premiums for your bike. Insurance companies view fully licensed riders as demonstrating greater commitment to safety and skill, making you statistically less risky to insure, resulting in lower overall premiums.
Cheap Motorcycle Insurance Alaska: Bottom Line
Our top picks for affordable motorcycle insurance in Alaska are Progressive and Geico. While these are our recommendations, we urge you to compare options for yourself to get the best deal possible.
Alaska Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Alaska motorcycle insurance:
Which company has the cheapest car insurance in Alaska?
For full coverage motorcycle insurance, Progressive offers the most affordable options in Alaska at an average of $16 per month, while their minimum liability coverage costs just $6 monthly. These competitive rates make Progressive the cheapest provider for both comprehensive and basic liability-only motorcycle insurance policies.
How much does motorcycle insurance cost for most riders in Alaska?
The average cost of motorcycle insurance in Alaska is $226 per year or $17 monthly for full coverage policies and $83 annually or $7 monthly for liability-only policies.
Do you need motorcycle insurance in Alaska?
Yes, Texas requires that all riders have motorcycle insurance with at least 50/100/25 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Alaska
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
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.