Average Car Insurance Cost in Alaska (2025)
Drivers in Alaska pay an average of $157 per month for car insurance.
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Car insurance in Alaska costs an average of $205 per month for full coverage and $108 for state-minimum coverage. These rates closely match the national monthly averages of $182 for full coverage and $103 for liability-only coverage.
Although Alaska’s population density is just 1.3 people per square mile, the Alaska Division of Motor Vehicles reports that more than 30% of drivers in Alaska are uninsured.1
Here’s what you should know about car insurance costs in Alaska.
How much is car insurance in Alaska?
Full-coverage car insurance in Alaska, which includes comprehensive and collision coverage and pays for your car’s damages, averages $205 per month, or $2,460 per year. Alaskans pay about $108 per month, or $1,296 per year, for liability-only insurance. This covers the other driver’s damages and injuries but doesn’t pay to repair your car.2
But car insurance rates in Alaska depend on many factors like your age and gender, driving record, annual mileage, type of coverage, and deductibles.3
Average Alaska car insurance rates by age and gender
Your age affects your car insurance premium. Teens and young drivers usually pay the highest rates because they lack experience and are more likely to get into accidents than older drivers.4 But rates increase again at age 70, as age-related changes may contribute to accidents.5
Alaska car insurance companies can also use gender as a rating factor. Male drivers often pay slightly higher rates than female drivers. Data shows that males tend to be involved in serious accidents and drive under the influence more often than females.
The tables below show the average cost of car insurance in Alaska for male and female drivers in different age groups.
Average cost to insure popular vehicles in Alaska
Your vehicle’s make and model also affect the cost of your car insurance in Alaska. Insurers consider the vehicle’s safety features, likelihood of theft, and cost of repairs when calculating your car insurance premium.
In the table below, you can see some of the most popular vehicles in Alaska, according to Edmunds, and the average monthly premium for each model. Reliability and capability in Alaska’s long winters make these vehicles popular choices.
How your driving record affects car insurance rates in Alaska
Your driving record significantly affects how much you pay for car insurance. Good drivers with no accidents, speeding tickets, or DUIs typically pay lower rates than people with a history of violations. Additionally, some car insurance companies provide a discount to drivers with no accidents or tickets within the last few years.
The following table shows average car insurance rates for a sample driver profile with various infractions on their record and compares them to the average rate for drivers with a clean record.
In Alaska, car insurance companies can use credit-based insurance scores to determine your insurance rate. That means your credit history affects the cost of your auto insurance policy. If you have excellent credit, you’ll typically pay lower rates than a driver with less-than-perfect credit, as they’re more likely to file claims.
The table below shows the average cost of car insurance in Alaska by credit tier.
How to lower your insurance costs in Alaska
The tips below can help you lower your premiums and find the best insurance in Alaska:6
Alaska average car insurance cost FAQs
If you’re shopping for car insurance in Alaska, this additional information may be helpful as you compare companies and policies.
The average cost of car insurance in Alaska is $2,460 per year for full coverage and $1,296 per year for state-minimum coverage, according to Insurify data.
Car insurance premiums vary by driver, so the cheapest car insurance company in Alaska is different for everyone. To find the cheapest car insurance, it’s important to shop around and compare rate quotes from a few insurers.
The average monthly cost of car insurance in Alaska is $205 for full coverage and $108 for liability-only coverage. Your rate depends on several factors, including your age, credit-based insurance score, and driving record.
The best auto insurance company isn’t the same for everyone — the one that’s best for you depends on your coverage needs, budget, and preferences. Comparing multiple insurance companies can help you find the best insurer for your unique situation.
Drivers in Alaska must carry at least 50/100/25 in liability insurance.7 That includes $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.
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