The Cheapest Auto Insurance Companies in Alaska in 2026

Cheapest Car Insurance in Alaska by Driver and Coverage Type

Car insurance in Alaska is relatively inexpensive. That’s partially because the state has a low number of registered vehicles, and drivers in Alaska tend to cover fewer miles per year than drivers in other states.^[1]

As you compare car insurance quotes, keep in mind that rates vary based on your age, gender, coverage selections, driver history, and credit.

The table below highlights the cheapest insurers for some common coverage types and driver profiles, according to Compare.com data:

Driver or Coverage Type	Cheapest Insurer
State-minimum coverage	State Farm
Full coverage	State Farm
Drivers with a speeding ticket	State Farm
Drivers with an at-fault accident	State Farm
Drivers with a DUI	State Farm
Teens	State Farm
Seniors	State Farm
Drivers with excellent credit	State Farm
Drivers with poor credit	State Farm

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

The Overall Cheapest Car Insurance in Alaska

Car insurance rates can vary significantly by insurer, so you may find that you can save hundreds by changing your insurance company. In general, it’s a good idea to shop around at least once a year to avoid overpaying for insurance.

To help you find the most affordable coverage, we used Compare.com data to identify the cheapest car insurance options in Alaska in the table below:

The below rates in Alaska are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT. 

Company	Average Monthly Premium
State Farm	$71
GEICO	$73
USAA	$80

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, November 1 at 12:19 AM PDT.

Cheapest Liability Car Insurance in Alaska: State Farm

In nearly every state in the country, state laws require drivers to have (at a minimum) liability insurance that covers injuries or property damage you cause to another driver and their passengers.

Liability-only car insurance costs less and meets state-minimum requirements, but it doesn’t provide any coverage for you or your own vehicle. It’s best for drivers with older or high-mileage vehicles on a tight budget.

In Alaska, the average cost of liability coverage is $59. Here’s a look at the cheapest liability policies in the state, according to Compare.com data.

How much car insurance does Alaska require?

In Alaska, your car insurance policy must meet these minimum requirements:^[2]

• $50,000 in bodily injury liability protection per person

• $100,000 in bodily injury protection per accident

• $25,000 in property damage liability

Keep in mind that insurance professionals generally recommend buying more liability coverage than your state’s minimum requirements. If you cause an accident that totals someone’s new car or results in serious injury, your financial liability could easily exceed state minimum coverage.

Cheapest Full-Coverage Car Insurance in Alaska: State Farm

A full-coverage car insurance policy combines multiple forms of coverage. In general, full-coverage policies satisfy state minimum liability requirements and also include comprehensive and collision insurance.

• Comprehensive coverage pays for repairs related to non-collision damage, such as dents from a hailstorm.

• Collision coverage pays for repairs if you’re in an accident and your car is damaged.

In Alaska, full-coverage policies average $98 per month. Keep in mind that if you’ve financed or leased your vehicle, your lender or leasing company will likely require you to buy full coverage.

The following table shows the lowest average rates for full-coverage policies in Alaska, according to Compare.com data:

Cheapest Car Insurance for Teen Drivers: State Farm

Due to their inexperience behind the wheel, teen drivers are more likely to be in serious crashes, so they tend to pay much higher rates for coverage.^[3] In Alaska, teens pay an average of $193 per month for car insurance.

But you may be able to find cheaper coverage by shopping around or by adding a young driver to an existing policy rather than purchasing stand-alone coverage. The table below shows the best rates for teen drivers in Alaska, based on Compare.com data:

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Rates in Alaska start at $71 per month.

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Cheapest Car Insurance for Senior Drivers: State Farm

Seniors tend to drive fewer miles than other age groups.^[4] Since they spend less time on the road, they have a lower risk of an accident, and they usually pay less for car insurance than any other age group.

In Alaska, the monthly average cost of coverage for senior drivers is $66. Despite already having low rates, seniors can often lower their prices even more by shopping around.

Here’s a look at the cheapest coverage for seniors, based on our data:

The Cheapest Car Insurance for Drivers by Driving Record

Drivers who’ve never been in an accident or gotten a speeding ticket usually have much cheaper rates than drivers with violations on their driving records. A single speeding ticket or driving under the influence (DUI) conviction can cause your rates to skyrocket over what you would pay with a clean driving record.

Rates improve over time, and you may find that you can find cheaper coverage by switching companies.

The table below shows the cheapest insurance options in Alaska for drivers with recent tickets, at-fault accidents, or DUIs, according to Compare.com data:

Cheapest Car Insurance for Drivers by Credit

Alaska allows companies to use credit-based insurance scores during the underwriting process, so having poor credit can cause you to pay more for car insurance.^[5] In general, Alaskans with good credit pay an average of $53 per month for coverage, while those with poor credit pay an average of $98.

Every company weighs credit information differently, so shopping around may help you find cheaper coverage, even if you have less-than-stellar credit. Some insurers don’t consider credit at all. The table below shows the least expensive insurance options for Alaskans based on credit:

How to Get the Cheapest Car Insurance in Alaska

Car insurance protects you financially, so it makes sense to look for the best coverage at a price you can afford. You can take steps to lower your insurance premiums, including:

• Sign up for usage-based insurance (UBI). UBI policies use your driving habits and vehicle use to determine your rates. Since Alaska drivers tend to drive fewer miles than those in other states, you could slash your premiums by enrolling in a UBI policy and driving safely.

• Take a course. State law requires insurers to give drivers a discount if they’re age 55 or older and complete a vehicle accident prevention course. If you meet that age requirement, this discount can save you money.^[6]

• Look for discounts. Most insurers provide car insurance discounts to help customers lower their rates. Available discounts often include ones for homeowners, good students, and safe drivers. You can also save by bundling renters or home insurance with your auto policy.

• Adjust your deductible. Raising your deductible (from $250 to $500, for example) will cause your monthly or annual premium to decrease.

• Compare quotes from several companies. Coverage and premiums can vary by insurer, so request quotes from several insurance companies to find the best rates and coverage options.

Our Picks for the Best Auto Insurance in Alaska

Several insurance companies issue policies in Alaska, including well-known household names like State Farm. No one company is suitable for every driver, but we identified these three as leading insurers in Alaska based on their coverage options, rates, and customer satisfaction ratings:

Compare Quotes

User Reviews	3.2 227 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.5 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$80/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$134/mo

Details

3.2

A solid option in AlaskaBased on 227 verified guest reviews and ratings

	USAA's score	Industry average
Coverage options	0.0	3.2
Customer service	3.2	3.6
Discounts	0.0	2.9
Policy transparency	0.0	3.1
Value	3.2	2.9

How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 101 USAA reviews

Chris

Verified Review

Paying More for Insurance Than I Should Be

Reviewed in Alabama on November 9, 2026

My experience with car insurance has honestly been a little frustrating, especially when it comes to how much I have to pay every month. It feels like everything is going up, and car insurance is just another bill that keeps getting more expensive. I understand that I need insurance, but I also feel like if I’m being a responsible driver and paying my bill on time, my rates shouldn’t be so high. One thing I’ve learned is that just because you’ve been with an insurance company for a while doesn’t mean you’re getting the best deal. If I could give a friend any advice, it would be to shop around, compare prices, and ask about discounts, because every dollar saved makes a difference. At the end of the day, I just want good coverage, peace of mind, and a monthly payment that doesn’t feel like a second car payment.

Deborah

Verified Review

AI customer service is terrible. I shouldn't have to be on hold for an hour to speak to a real person!

Reviewed in Illinois on November 4, 2026

AI customer service is terrible. I shouldn't have to be on hold for an hour to speak to a real person!

Samuel

Verified Review

Generally Good, but I’m Switching to Another Carrier Because They Keep Raising My Premiums

Reviewed in Utah on October 29, 2026

I’ve been with USAA for 35 years through my stepfather, who is a retired Air Force veteran. My policy premiums were fairly good up until a few years ago, around 2023, when they started increasing my monthly premiums for some reason, even though I’ve been a good driver. The downside is that being a USAA member for 35 years still got me no loyalty discount whatsoever. I did get the daytime running light and mileage discounts, but nothing for being a loyal USAA member for 35 years.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Although Alaska has a relatively small population, a large percentage of Alaskans are veterans. In fact, Alaska has a higher share of veterans than any other state, according to the Alaska Department of Labor and Workforce Development.

With such a high percentage of veterans, USAA is an excellent option for Alaska residents. It boasts lower-than-average rates, so switching insurance companies could help you save money.

USAA also gives some extra benefits to service members, such as on-base discounts for storing your car at a military base. For Alaska residents, that’s a helpful perk if you’re storing your vehicle at Fort Wainwright or Joint Base Elmendorf-Richardson.

Pros

• Among the cheapest average rates

• Extra benefits for service members

• Telematics program available

Cons

• Eligibility limited to veterans, service members, and family members

• Low Trustpilot rating

• Fewer discounts than some competitors

Compare Quotes

User Reviews	3.6 1,103 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.7 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$71/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

Details

3.6

A solid option in AlaskaBased on 1,103 verified guest reviews and ratings

	State Farm's score	Industry average
Coverage options	3.6	3.2
Customer service	3.8	3.6
Discounts	3.6	2.9
Policy transparency	3.6	3.1
Value	3.6	2.9

How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 438 State Farm reviews

Melanie

Verified Review

Hate to Say Goodbye!

Reviewed in Indiana on November 10, 2026

The State Farm agent and staff were top-notch, and the total package (auto & home) provided great coverage. However, I found the same coverage and a great agent in a more local location at a noticeable cost savings. Erie Insurance is a highly rated company, and I’m switching because of the cost. I hope I never need to use my coverage, but I feel secure it will be there if needed.

Dean

Verified Review

Customer Service

Reviewed in Pennsylvania on November 10, 2026

It took me over two weeks to actually talk to a claims representative.

Richard

Verified Review

Expensive

Reviewed in North Carolina on November 7, 2026

As a loyal customer, I am dismayed at the constant price increases.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest car insurance company in the country, according to the National Association of Insurance Commissioners (NAIC). In Alaska, State Farm has a large network of insurance agents available, with offices in 13 cities, including Anchorage, Juneau, Kodiak, and Wasilla.

Plus, the company has a strong reputation for customer service. J.D. Power ranked State Farm above the industry average in its 2025 U.S. Auto Claims Satisfaction Study.

Pros

• Strong J.D. Power customer satisfaction ratings

• Large network of insurance agents

• Telematics program available

Cons

• Gap insurance not available

• Accident forgiveness not available

• Higher rates for drivers with violations on their records

Compare Quotes

AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	A+
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$48/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$91/mo

Details

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.44

Why we picked this company

COUNTRY Financial is a regional insurer that operates in 19 states, including Alaska.

For Alaska drivers, COUNTRY Financial is typically among the cheapest insurance options. Its average premiums tend to be significantly lower than the state average. And it has multiple discount programs available, including some unusual ones, such as discounts for engaged couples and people whose parents are COUNTRY Financial customers.

Pros

• Many available discounts

• Agents in several Alaska cities

• Much cheaper-than-average rates

Cons

• Gap insurance not available

• Mixed customer reviews on Trustpilot

• Customers complain about mobile app

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