The Best Car Insurance Companies in Alaska
Alaska is the biggest state in the country, but has one of the lowest populations, which helps keep car insurance rates below the national average. In 2025, typical full coverage in Alaska runs about $1,550–$1,750 per year, versus roughly $2,300–$2,600 nationally. Alaska is an at-fault (tort) state with pure comparative negligence and requires drivers to maintain minimum amounts of car insurance for vehicles that must be registered; the minimum liability limits are $50,000/$100,000/$25,000.
We carefully screened each provider’s options to find the best auto insurance companies in Alaska. Using our proprietary scoring model and the latest 2025 data (including industry pricing studies, consumer satisfaction research and regulator resources), we analyze each company’s offerings alongside critical factors like affordability, customer support, coverage options, customer satisfaction scores and online resources.
The 4 Best Auto Insurance Companies in Alaska
- Allstate: Best for Coverage Options
- Geico: Best for Mobile Tools
- Progressive: Best for Discounts
- State Farm: Best for Budget
Compare the Top Car Insurance Companies in Alaska
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. POWER OVERALL CUSTOMER SATISFACTION** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Allstate | $598 | $3,526 | A+ | 810/1,000 | |
| Pin Geico | $282 | $1,284 | A++ | 834/1,000 | |
| Pin Progressive | $436 | $1,247 | A+ | 821/1,000 | |
| Pin State Farm | $316 | $1,190 | A++ | 814/1,000 |
Information updated as of November 2025.
* Benchmarks historically referenced Bankrate data; 2025 statewide averages from Bankrate and NerdWallet indicate higher premiums than 2020–2021.
**J.D. Power’s U.S. Auto Insurance Study results vary by region and year; scores are reported on a 1,000-point scale (latest study available for 2024).
Allstate
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Tons of coverage options
- 24/7 claims service
- Many ways to save
Cons
- Poor customer satisfaction ratings
- Policies can be pricey
- Average customer service
Types of Coverage Offered
- Collision coverage
- Comprehensive coverage
- Liability coverage
- Medical payments coverage
- Personal injury protection
- Personal umbrella policy
- Rental reimbursement coverage
- Roadside coverage
- Sound system insurance
- Uninsured and underinsured motorist coverage
Discounts Available
- Anti-lock brake discount
- Anti-theft device discount
- Automatic withdrawal discount
- Early signing discount
- Full-pay discount
- Multi-policy discount
- New car discount
- Paperless discount
- Responsible payer discount
- Safe driver discount
- Smart student discount
Further Reading on Allstate:
Geico
Best for Mobile Tools
Why we chose it
Why we chose it
Pros
- Available in all states
- Affordable premiums
- Excellent accessibility
Cons
- Some coverage is outsourced
- Few in-person agents
- No gap insurance option
Types of Coverage Offered
- Bodily injury
- Property liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured and underinsured liability coverage.
- Medical payments
- Personal injury protection coverage
- Gap insurance for leased vehicles only
- Mechanical breakdown insurance
- Rideshare insurance
- Emergency road service
- Accident forgiveness
- Glass coverage
- Rental reimbursement
Discounts Available
- Federal employee
- Military
- Driving history
- Defensive drivers
- Student
- Pay-in-full
- Membership
- Employee
- Multi-policy
- Multiple vehicle
- Safety equipment
Further Reading on GEICO:
Progressive
Best for Discounts
Why we chose it
Why we chose it
Pros
- Tons of discounts available
- Excellent mobile tools
- Few complaints relative to size
Cons
- Mediocre customer satisfaction
- Some regional restrictions
- Limited discounts
Types of Coverage Offered
- Liability
- Comprehensive
- Collision
- Uninsured motorist
- Medical payments and liability
- Roadside assistance
- Gap insurance
- Rental car reimbursement
- Custom parts and equipment coverage
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-vehicle
- Continuous insurance
- Snapshot® program
- Teen driver
- Good student
- Distant student
- Homeowner
- Online quote
- Sign online
- Paperless billing
- Pay in full
- AutoPay
Further Reading on Progressive:
- Progressive auto insurance review
- Progressive homeowners insurance review
- Progressive renters insurance review
State Farm
Best for a Budget
Why we chose it
Why we chose it
Pros
- In-person agent support
- Multiple discount options
- Strong financial ratings
Cons
- Limited coverage options
- Below-average customer ratings
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Car rental and travel expenses
- Uninsured motor vehicle
- Underinsured motor vehicle
- Medical payments
- Emergency roadside
- Rideshare driver
- Teen drivers
- Antique and classic car
- Sports cars
- Commercial auto
- Rental car and travel expenses coverage
- Roadside assistance coverage
Discounts Available
- Accident-Free
- Defensive-Driving Course
- Student Away at School
- Good Driving
- Driver Training
- Good Student
- Vehicle Safety
- Passive Restraint
- Anti-Theft
- Multiple Auto
- Multiple Line (or Policy)
- Drive Safe & Save™
- Stear Clear® for drivers under 25
Further Reading on State Farm:
- State Farm auto insurance review
- State Farm homeowners insurance review
- State Farm renters insurance review
* Benchmarks historically referenced Bankrate data; statewide averages and company rankings change over time and by driver profile.
**J.D. Power’s U.S. Auto Insurance Study uses a 1,000-point scale; results vary by region and year (latest study available for 2024).
The Average Cost of Car Insurance in Alaska
The average cost of car insurance in Alaska is typically about $1,550–$1,750 per year for a full coverage policy, and about $350–$420 per year for minimum coverage. These rates are lower than national annual averages of roughly $2,300–$2,600 for full coverage and $650–$800 for minimum coverage. We base these estimates on 2025 analyses from major industry sources, including Bankrate and NerdWallet.
The exact cost of your insurance policy may vary. This depends on factors like where you live (for example, Anchorage and Mat‑Su cities often price higher than Southeast Alaska cities like Juneau, Sitka and Ketchikan), local weather hazards, crime rates and the number of uninsured drivers in your state. Traditional factors, such as your credit score, the car you drive and how much you drive each year, will also impact how much you pay each year for auto insurance in Alaska. Since 2021, premiums have generally risen as repair, medical and vehicle costs increased; many insurers implemented rate changes through 2024–2025, so using telematics, bundling and deductible strategies can help manage costs.
Top 3 Cheapest Car Insurance Companies in Alaska
| Company | Average Annual Full Coverage Premium* |
| USAA | $1,069 |
| State Farm | $1,190 |
| Progressive | $1,247 |
* Company rankings and sample premiums vary by driver profile and data source. In 2025 studies, USAA (for eligible military families) often prices among the lowest, with State Farm and GEICO frequently the cheapest widely available options.
Top 3 Most Expensive Car Insurance Companies in Alaska
| Company | Average Annual Full Coverage Premium* |
| Geico | $3,526 |
| Western National | $1,315 |
| Allstate | $1,284 |
* Company-by-company averages shift with market conditions and driver profiles; use these figures directionally and compare quotes for your situation.
Top 3 Cheapest Cities for Car Insurance in Alaska
| City | Average Annual Full Coverage Premium* |
| Sitka | $1,250 |
| Petersburg | $1,259 |
| Douglas | $1,259 |
* In 2025, Southeast Alaska cities such as Juneau, Sitka and Ketchikan generally trend below the statewide average; specific dollar figures vary by source and profile.
Top 3 Most Expensive Cities for Car Insurance in Alaska
| City | Average Annual Full Coverage Premium* |
| Anchorage | $1,777 |
| Chugiak | $1,738 |
| Eagle River | $1,731 |
* In 2025, Anchorage and nearby Mat‑Su communities (e.g., Wasilla and Palmer) are commonly among the highest-cost areas; treat these values as directional benchmarks.
Guide to Alaska Car Insurance
The Insurance Information Institute reports that over 15% of drivers in Alaska do not have car insurance. Recent compilations place Alaska’s uninsured share in the mid‑teens (just over 15%), so a crash with an uninsured driver can be costly without the right protection in place.
Car Insurance Add-Ons That May Further Protect You
There are some auto insurance coverages that you may want to consider adding:
- Medical coverage: This protection will pay for the costs of your medical bills and other expenses related to your accident, such as deductibles and funeral expenses.
- Personal injury protection (PIP): PIP coverage is similar to medical payments but offers expanded benefits, paying for additional losses like lost wages and childcare where available.
- Uninsured/underinsured motorist coverage: Insurers must offer UM/UIM in Alaska; you can reject or select lower limits in writing. Given the mid‑teens uninsured rate, many drivers carry this coverage for added protection.
- Uninsured motorist property damage: Similar to underinsured motorist coverage, this optional coverage can help with property damage if you’re hit by an uninsured driver.
Alaska Minimum Insurance Requirements
As a driver, there are some minimum insurance requirements in Alaska that you will have to meet. The state requires that its drivers maintain basic liability insurance that includes the following minimum coverage requirements:
- $50,000 for bodily injury liability per person
- $100,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- Uninsured motorist bodily injury coverage must be offered; you may reject or select lower limits in writing
- Underinsured motorist bodily injury coverage must be offered; you may reject or select lower limits in writing
- Uninsured/underinsured motorist property damage is optional; availability and limits vary by insurer
However, there are some counties in Alaska where car insurance is not required. While we always recommend car insurance to best protect yourself, you can check the complete listing of exempt counties from the Alaska Division of Motor Vehicles.
Alaska’s At-Fault Law
Alaska is an at-fault state, which means that whoever caused the accident is responsible for paying the expenses associated with that accident. The state follows a pure comparative negligence standard, so each party pays based on their share of fault. If you are a driver in Alaska, you must maintain at least the minimum required liability insurance if your vehicle is required to be registered in the state.
Alaska Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we referenced 2025 statewide averages from leading industry studies (such as Bankrate and NerdWallet), which typically assume a 40-year-old good driver with standard full-coverage limits and $500 deductibles. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes. Actual premiums vary based on driver profile, location, vehicle, coverage selections and current market conditions.
