Alaska Car Insurance

Get a full analysis of Alaska car insurance costs, companies, and coverage.

Best Car Insurance Company in Alaska

Best Car Insurance Company for Young Drivers

Average Cost of Car Insurance in Alaska

Car Insurance Discounts in Alaska

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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Find the Best Car Insurance Quotes and Options in Alaska

The average cost of car insurance in Alaska is $1,410 per year. That makes car insurance costs in Alaska higher than the national average of $1,311 per year. But everyone’s car insurance rates will be different, based on where they live and their personal characteristics. 

It's important to purchase sufficient coverage so that if you have to file a car insurance claim, your policy will cover it. While this can increase your cost, it can make a huge difference when you need it most. 

An independent insurance agent in Alaska can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Alaska. 

Best Car Insurance Companies in Alaska

You can purchase car insurance in Alaska from numerous insurance companies. Where should you even start? We’ve done some of the hard work for you and selected some of the best car insurance companies in Alaska to help you get started. 

Perhaps one of these top carriers will be the best for your needs.

An independent insurance agent in Alaska can help you determine if any of these companies have the right car insurance policy for your needs and budget.

Best Alaska Car Insurance Company Overall: Progressive

Our pick for the best overall car insurance company in Alaska overall is Progressive. The carrier ranks high for claims, user satisfaction, and financial stability. Progressive offers standard coverage for drivers in Alaska, as well as unique options like custom parts coverage.

Progressive Mutual Insurance Company was founded in 1937, when the company introduced the country’s first drive-in claims location. Progressive is based in Ohio, but offers car insurance across all 50 states, including Alaska. Alaska residents can look to Progressive for most of their personal insurance needs. 

Best Alaska Car Insurance Company for Full Coverage: Progressive

The best car insurance company in Alaska for full coverage is Progressive. The insurance company offers full coverage policies with premiums of around $132 per month. Progressive receives high marks for financial stability, with an A+ (Superior) rating from AM Best. Progressive offers standard options like comprehensive and collision coverage, as well as unique options like coverage for pet injuries. The company also touts its Name Your Price Tool which helps you find the best coverage options for your budget. 

Best Alaska Car Insurance Company for Young Drivers: Progressive

Drivers between ages 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, Progressive offers highly rated teen coverage in Alaska. 

Car insurance for teen drivers in Alaska can cost around $345 per month with Progressive. The company also offers a good student discount so students with good grades can save on their car insurance. 

Best Alaska Car Insurance Company for Accident History: Progressive

Your driving record is one of the most important factors in what you pay for car insurance in Alaska. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.

Alaska drivers may see their car insurance rates increase by around 41 percent after an at-fault accident. In these cases, Progressive remains one of the top picks for offering quality coverage. If you’ve had an at-fault accident, you can get a car insurance policy from Progressive for about $249 per month. 

Alaska Car Insurance Requirements

Drivers in Alaska must purchase a car insurance policy that meets the state's minimum coverage requirements. In Alaska, you must have the following coverage, at a minimum, in order to comply with state law and avoid penalties. 

An independent insurance agent in Alaska will help you find a car insurance policy that includes the coverage you need.

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Average Cost of Car Insurance in Alaska

The average cost of car insurance in Alaska is $1,410 per year, which is more than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in Alaska by taking advantage of car insurance discounts that you may be eligible for.

Average Alaska Car Insurance Costs by City

The city you live in is one of the most important factors in what you’ll pay for car insurance in Alaska. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage). 

In Alaska, factors like your average commute time, the remoteness of your city, and the unique driving challenges (e.g., weather) that you face can have an impact on your car insurance rates. 

Tanaina, a city with high average commute times, has the most costly car insurance in Alaska at an average of $1,665 per year. But residents of cities like Sitka and Ketchikan pay significantly less for car insurance, at around $1,107 and $1,199 per year, respectively.

Finding Car Insurance Discounts in Alaska

One of the best ways to save on car insurance in Alaska is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Alaska include the following: 

Your independent insurance agent can help you find all of the car insurance discounts that you qualify for. 

How to Find the Best Car Insurance Quote in Alaska

Finding the best car insurance quote in Alaska requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in Alaska can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process. 

How to File a Car Insurance Claim in Alaska

Filing a car insurance claim in Alaska is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim: 

An independent insurance agent in Alaska can help you through the claims process and answer your questions about how best to file your claim. 

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

Popular Questions about Alaska Car Insurance

How much does Alaska car insurance cost? $1,410

The average cost of car insurance in Alaska is $1,410 per year, or about $118 per month. 

What does Alaska car insurance cover?

The main purpose of car insurance in Alaska is to cover medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, these are covered through your bodily injury liability and property damage liability coverage. You can cover some of your own losses with optional uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage. 

What is the penalty for driving without insurance in Alaska?

The penalty for driving without insurance in Alaska is suspension of your driver’s license. If you cannot provide proof of insurance upon demand, your vehicle may be impounded. 

How many Alaska drivers are uninsured? 15.4%

About 15.4% of drivers in Alaska are uninsured. Nationwide, the average is 13%, which is lower than you will find in Alaska.

Who are the best car insurance companies in Alaska?

You have a lot of options for your Alaska car insurance policy. The best car insurance companies in Alaska include Progressive, Safeco, Nationwide, West Bend Mutual Insurance Company, and Travelers. These companies are highly rated for their mix of customer satisfaction, valuable coverage offerings, financial stability, and competitive pricing. 

Is Alaska car insurance required?

Yes, Alaska car insurance is required. Drivers must have a minimum amount of liability coverage as required by the state:

Other types of optional coverage are available, but not required. 

How long do you have to get insurance after buying a car in Alaska?

All vehicles registered in the state of Alaska must be immediately covered by car insurance. But because large areas of Alaska are very remote, vehicle registration is not required in some municipalities or geographic areas. In these areas, car insurance is not required either.

Is Alaska a no-fault car insurance state?

Alaska is a "fault" state for car insurance. This means that the person who is at fault for a car accident is financially responsible for compensating anyone else who is harmed as a result. Typically the at-fault driver’s car insurance pays for the damage, up to the policy’s coverage limits.  

What is the minimum car insurance in Alaska?

The minimum level of car insurance coverage required in Alaska is as follows:

Do You Know What Your Alaska Car Insurance Covers?

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