Alaska Car Insurance Calculator
Calculate your auto insurance cost in Alaska. Compare with state averages and find savings.
$1,489
Avg Annual Premium
50/100/25
Min Liability
Monthly Avg
$124
Full Coverage
$1,836
Min Coverage
$478
Uninsured Rate
9.8%
Alaska Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Alaska
Extreme weather conditionsLimited road networkWildlife collision risk
Major Metro Areas in Alaska
AnchorageFairbanksJuneau
FAQ
Alaska Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Alaska
The average annual car insurance premium in Alaska is $1,489, or about $124 per month. Full coverage averages $1,836 annually, while minimum coverage averages $478. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Alaska requires minimum liability coverage of 50/100/25 ($50,000/$100,000 for bodily injury and $25,000 for property damage).
Key factors affecting Alaska car insurance rates include: Extreme weather conditions, Limited road network, Wildlife collision risk. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.8% of drivers in Alaska are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Alaska car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, USAA. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Alaska include: State Farm, GEICO, USAA, Allstate, Liberty Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
AK Insurance Costs
Average premiums in Alaska:
- Annual Average$1,489
- Monthly Average$124
- Full Coverage$1,836
- Minimum Coverage$478
AK Requirements
Minimum coverage required:
- Liability50/100/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate9.8%
Top AK Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •USAA
- •Allstate
- •Liberty Mutual