Best Auto Insurance in Alaska (2025)
Compare top-rated auto insurance companies in Alaska. Find affordable coverage that meets AK state requirements and save up to 40% on your premium.
$1,182
Avg. Annual Premium
50/100/25
Minimum Coverage
Anchorage
Largest City
733,000
Population
Alaska Auto Insurance Requirements
Alaska has higher minimum coverage requirements than most states, requiring $50,000/$100,000 for bodily injury.
Minimum Liability Coverage: 50/100/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Alaska
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Alaska can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Alaska use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Alaska Auto Insurance FAQs
What is the minimum auto insurance required in Alaska?
Alaska requires minimum liability coverage of 50/100/25 (bodily injury per person/per accident/property damage). Alaska has higher minimum coverage requirements than most states, requiring $50,000/$100,000 for bodily injury.
How much does car insurance cost in Alaska?
The average annual car insurance premium in Alaska is $1,182. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Alaska?
Key factors affecting Alaska auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Anchorage typically pay more than those in rural areas.
How can I find cheap car insurance in Alaska?
To find affordable car insurance in Alaska: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Alaska Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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