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The Best Car Insurance Companies in Alaska

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    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. Alaska is an at-fault state and requires drivers to maintain minimum amounts of car insurance in order to protect themselves and other drivers on the road.

    We carefully screened each provider’s options to find the best auto insurance companies in Alaska. Using our proprietary scoring model, we analyze each company’s offerings, along with critical factors like affordability, customer support, coverage options, customer satisfaction scores and online resources. 

    The 5 Best Auto Insurance Companies in Alaska

    • Allstate: Best for Coverage Options
    • Geico: Best for a Budget
    • Progressive: Best for Discounts
    • State Farm: Best for Mobile Tools
    • USAA: Best for Military

    Compare the Top Car Insurance Companies in Alaska

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score** Score is based on company’s customer experience, financial stability, and coverage options. 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$829.75$3,612.414/5A+810/1,000
    Pin Geico$441.34$1,099.794.6/5A++834/1,000
    Pin Progressive$884.82$2,467.234.4/5A+821/1,000
    Pin State Farm$744.41$2,196.984.4/5A++814/1,000
    Pin USAA$571.14$1,883.854.8/5A++883/1,000

    Information accurate as of 12/03/2020.

    * Data provided by Coverage.com

    Allstate

    Allstate

    Best for Coverage Options

    Why we chose it

    With its Claim Satisfaction Guarantee, Allstate guarantees its claims service for every policy.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $829.75* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 810** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    With its Claim Satisfaction Guarantee, Allstate guarantees its claims service for every policy.

    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
    Read More

    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

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on Allstate: 

    Geico

    Geico

    Best for a Budget

    Why we chose it

    When you don’t have a lot to spend, Geico gives the most affordable car insurance in Alaska.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $441.34* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 834** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    When you don’t have a lot to spend, Geico gives the most affordable car insurance in Alaska.

    Pros

    • Available in all states
    • Affordable premiums
    • Excellent accessibility

    Cons

    • Some coverage is outsourced
    • Few in-person agents
    • No gap insurance option
    Read More

    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

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on GEICO:

    Progressive

    Progressive

    Best for Discounts

    Why we chose it

    Progressive looks out for your budget with plenty of ways to save through its many discounts.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $884.82* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 821** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive looks out for your budget with plenty of ways to save through its many discounts.

    Pros

    • Tons of discounts available
    • Excellent mobile tools
    • Few complaints relative to size

    Cons

    • Mediocre customer satisfaction
    • Some regional restrictions
    • Limited discounts
    Read More

    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

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on Progressive:

    State Farm

    State Farm

    Best for Mobile Tools

    Why we chose it

    State Farm delivers on service, whether you prefer to use your phone or meet with an agent in-person.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $744.41* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 814** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm delivers on service, whether you prefer to use your phone or meet with an agent in-person.

    Pros

    • In-person agent support
    • Multiple discount options
    • Strong financial ratings

    Cons

    • Limited coverage options
    • Below-average customer ratings
    Read More

    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

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    USAA

    USAA

    Best for Customer Service

    Why we chose it

    Few insurance providers are able to meet USAA’s exceptional standards for customer service.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $571.14* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 883** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Few insurance providers are able to meet USAA’s exceptional standards for customer service.

    Pros

    • Fantastic customer service
    • Excellent mobile tools
    • Among the more affordable policies

    Cons

    • Available only to military families
    • Limited in-person support
    • Must be a member for auto insurance
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Bodily injury
    • Property damage
    • Medical payments
    • Personal injury protection (PIP)
    • Uninsured and underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Rideshare
    • Accident forgiveness

    Discounts Available

    • Safe driver 
    • Defensive driving
    • Driver training course discount Good student
    • New car
    • Low mileage
    • Vehicle storage
    • Military base vehicle garaging
    • Family
    • Loyalty
    • Multi-driver
    • Multi-policy

     *Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for Northwest region. Based on a 1,000-point scale.

    Further Reading on USAA:

    The Average Cost of Car Insurance in Alaska

    The average cost of car insurance in Alaska is $1,388 for a full coverage policy. If you opt for the state minimum liability policy, the average car insurance policy costs $467 for the year. 

    The exact cost of your insurance policy may vary. This depends on factors like where you live, such as 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.

    Top 3 Cheapest Car Insurance Companies in Alaska

    CompanyAverage Annual Premium
    Geico$441
    USAA$571
    Umialik Insurance Company$662

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Alaska

    CompanyAverage Annual Premium
    Progressive $885
    Allstate$830
    State Farm$744

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Alaska 

    CityAverage Annual Premium*
    Ketchikan$445
    Juneau$478
    Kodiak$513

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Alaska 

    CityAverage Annual Premium*
    Anchorage$858
    Eagle River$790
    Palmer$703

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Alaska Car Insurance 

    The Insurance Information Institute reports that over 15% of drivers in Alaska do not have car insurance. While it may not seem like a lot, if you happen to collide with one of them, the consequences could be expensive without the right auto insurance coverage.

    Car Insurance Add-Ons That Will Further Protect You 

    There are some auto insurance coverages that you should 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 very similar to medical coverage but it offers more expanded coverage, paying for additional losses relating to things like lost wages and childcare.
    • Uninsured/underinsured motorist coverage: This is a kind of car insurance in Alaska that is required of drivers. It protects you from a collision with an at-fault driver who does not have insurance or doesn’t have enough to cover the damages. 
    • Uninsured motorist property damage: Similar to underinsured motorist coverage, this kind of coverage will protect you if there are property damages during an accident with 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 per person
    • $100,000 for bodily injury per accident
    • $25,000 for property damage
    • $50,000 uninsured/underinsured motorist bodily injury per person
    • $100,000 uninsured/underinsured motorist bodily injury per person
    • $25,000 underinsured motorist property damage

    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. This can include everything from car damages and personal injuries to medical bills and other losses. If you are a driver in Alaska, you will need to purchase the minimum amount of required auto insurance in order to comply with state law.

    Alaska Car Insurance FAQ 

    What is the minimum car insurance required in Alaska?

    State law requires that all Alaska drivers maintain a minimum amount of auto insurance, which includes coverage for $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $25,000 for property damage.

    What is the average auto insurance cost in Alaska?

    The average cost of car insurance in Alaska is $1,388 for a full coverage policy. If you opt for the state minimum liability policy, policies average $467 per year. However, the cost of your policy may vary, depending on factors like the car you drive, where you live and your credit history.

    What is the cheapest car insurance company in Alaska?

    There are many options for car insurance in Alaska, but based on the average policy, the cheapest car insurance companies in Alaska is Geico.

    Methodology 

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Alaska, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Alaska, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Lena Borrelli

    Lena Borrelli Contributing Writer

    Lena Borrelli is a freelance writer for Reviews.com. Over the last year, she has covered insurance, finance, and more. She has been featured in TIME with NextAdvisor, Bankrate, The Simple Dollar, MYMOVE, Million Mile Secrets, Coverage.com and more. My favorite article is “How to Invest in Real Estate During COVID?” on Reviews.com.

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