Buying car insurance can be a headache. It’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Alaska
For minimum coverage, the average annual cost of car insurance in Alaska is $373. For full coverage, you will find an average annual car insurance rate of $1,559.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $50,000 for bodily injury per person, a $100,000 upper limit for all bodily injuries per accident, and $25,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate depending on your age and driving history. Relative to the older age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
For many customers, including those in Wasilia, Alaska, Geico Insurance has the best prices.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $598 per year.
At a monthly rate, this comes out to $50 per month.
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- State Farm:
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At an annual rate, you can expect to pay $660 per year.
At a monthly rate, this comes out to $55 per month.
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- Umialik:
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At an annual rate, you can expect to pay $750 per year.
At a monthly rate, this comes out to $62 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,096 per year.
At a monthly rate, this comes out to $91 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,299 per year.
At a monthly rate, this comes out to $108 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $274 per year.
At a monthly rate, this comes out to $23 per month.
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- State Farm:
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At an annual rate, you can expect to pay $292 per year.
At a monthly rate, this comes out to $24 per month.
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- Umialik:
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At an annual rate, you can expect to pay $384 per year.
At a monthly rate, this comes out to $32 per month.
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- Allstate:
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At an annual rate, you can expect to pay $595 per year.
At a monthly rate, this comes out to $50 per month.
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- Progressive:
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At an annual rate, you can expect to pay $602 per year.
At a monthly rate, this comes out to $50 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $274 per year.
At a monthly rate, this comes out to $23 per month.
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- State Farm:
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At an annual rate, you can expect to pay $292 per year.
At a monthly rate, this comes out to $24 per month.
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- Umialik:
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At an annual rate, you can expect to pay $314 per year.
At a monthly rate, this comes out to $26 per month.
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- Progressive:
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At an annual rate, you can expect to pay $586 per year.
At a monthly rate, this comes out to $49 per month.
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- Allstate:
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At an annual rate, you can expect to pay $595 per year.
At a monthly rate, this comes out to $50 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $232 per year.
At a monthly rate, this comes out to $19 per month.
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- Umialik:
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At an annual rate, you can expect to pay $282 per year.
At a monthly rate, this comes out to $24 per month.
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- State Farm:
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At an annual rate, you can expect to pay $286 per year.
At a monthly rate, this comes out to $24 per month.
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- Progressive:
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At an annual rate, you can expect to pay $547 per year.
At a monthly rate, this comes out to $46 per month.
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- Allstate:
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At an annual rate, you can expect to pay $556 per year.
At a monthly rate, this comes out to $46 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $232 per year.
At a monthly rate, this comes out to $19 per month.
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- Umialik:
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At an annual rate, you can expect to pay $268 per year.
At a monthly rate, this comes out to $22 per month.
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- State Farm:
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At an annual rate, you can expect to pay $272 per year.
At a monthly rate, this comes out to $23 per month.
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- Progressive:
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At an annual rate, you can expect to pay $534 per year.
At a monthly rate, this comes out to $44 per month.
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- Allstate:
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At an annual rate, you can expect to pay $562 per year.
At a monthly rate, this comes out to $47 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
In this category, including residents in Soldotna, Alaska, Allstate Insurance has the highest prices.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $2,252 per year.
At a monthly rate, this comes out to $188 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,357 per year.
At a monthly rate, this comes out to $196 per month.
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- Umialik:
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At an annual rate, you can expect to pay $2,365 per year.
At a monthly rate, this comes out to $197 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,326 per year.
At a monthly rate, this comes out to $277 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,569 per year.
At a monthly rate, this comes out to $297 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $1,113 per year.
At a monthly rate, this comes out to $94 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,141 per year.
At a monthly rate, this comes out to $95 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,361 per year.
At a monthly rate, this comes out to $113 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,531 per year.
At a monthly rate, this comes out to $128 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,708 per year.
At a monthly rate, this comes out to $142 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $1,111 per year.
At a monthly rate, this comes out to $93 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,133 per year.
At a monthly rate, this comes out to $94 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,171 per year.
At a monthly rate, this comes out to $98 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,489 per year.
At a monthly rate, this comes out to $124 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,708 per year.
At a monthly rate, this comes out to $142 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $975 per year.
At a monthly rate, this comes out to $81 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,046 per year.
At a monthly rate, this comes out to $87 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,086 per year.
At a monthly rate, this comes out to $90 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,331 per year.
At a monthly rate, this comes out to $111 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,585 per year.
At a monthly rate, this comes out to $132 per month.
Car owners in their 60s
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- Umialik:
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At an annual rate, you can expect to pay $971 per year.
At a monthly rate, this comes out to $81 per month.
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- Geico:
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At an annual rate, you can expect to pay $975 per year.
At a monthly rate, this comes out to $81 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,034 per year.
At a monthly rate, this comes out to $86 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,296 per year.
At a monthly rate, this comes out to $106 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,584 per year.
At a monthly rate, this comes out to $132 per month.
Recent Accident
If you have been in an accident recently where you were considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Alaska.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $707 per year.
At a monthly rate, this comes out to $59 per month.
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- Umialik:
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At an annual rate, you can expect to pay $750 per year.
At a monthly rate, this comes out to $62 per month.
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- State Farm:
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At an annual rate, you can expect to pay $864 per year.
At a monthly rate, this comes out to $72 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,356 per year.
At a monthly rate, this comes out to $113 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,643 per year.
At a monthly rate, this comes out to $137 per month.
Car owners in their 30s
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- Umialik:
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At an annual rate, you can expect to pay $1,361 per year.
At a monthly rate, this comes out to $113 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,444 per year.
At a monthly rate, this comes out to $120 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,850 per year.
At a monthly rate, this comes out to $154 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,639 per year.
At a monthly rate, this comes out to $220 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,081 per year.
At a monthly rate, this comes out to $257 per month.
Car owners in their 40s
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- Umialik:
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At an annual rate, you can expect to pay $1,171 per year.
At a monthly rate, this comes out to $98 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,406 per year.
At a monthly rate, this comes out to $117 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,850 per year.
At a monthly rate, this comes out to $154 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,586 per year.
At a monthly rate, this comes out to $216 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,081 per year.
At a monthly rate, this comes out to $257 per month.
Car owners in their 50s
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- Umialik:
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At an annual rate, you can expect to pay $1,046 per year.
At a monthly rate, this comes out to $87 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,377 per year.
At a monthly rate, this comes out to $115 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,675 per year.
At a monthly rate, this comes out to $140 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,498 per year.
At a monthly rate, this comes out to $208 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,905 per year.
At a monthly rate, this comes out to $242 per month.
Car owners in their 60s
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- Umialik:
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At an annual rate, you can expect to pay $971 per year.
At a monthly rate, this comes out to $81 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,310 per year.
At a monthly rate, this comes out to $109 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,766 per year.
At a monthly rate, this comes out to $147 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,240 per year.
At a monthly rate, this comes out to $187 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,422 per year.
At a monthly rate, this comes out to $202 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $598 per year.
At a monthly rate, this comes out to $50 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,174 per year.
At a monthly rate, this comes out to $98 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,230 per year.
At a monthly rate, this comes out to $102 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,308 per year.
At a monthly rate, this comes out to $109 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,909 per year.
At a monthly rate, this comes out to $159 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $1,193 per year.
At a monthly rate, this comes out to $99 per month.
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- Umialik:
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At an annual rate, you can expect to pay $2,044 per year.
At a monthly rate, this comes out to $170 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,111 per year.
At a monthly rate, this comes out to $176 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,169 per year.
At a monthly rate, this comes out to $181 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,338 per year.
At a monthly rate, this comes out to $195 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $1,193 per year.
At a monthly rate, this comes out to $99 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,747 per year.
At a monthly rate, this comes out to $146 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,052 per year.
At a monthly rate, this comes out to $171 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,169 per year.
At a monthly rate, this comes out to $181 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,297 per year.
At a monthly rate, this comes out to $191 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $1,028 per year.
At a monthly rate, this comes out to $86 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,552 per year.
At a monthly rate, this comes out to $129 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,975 per year.
At a monthly rate, this comes out to $165 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,004 per year.
At a monthly rate, this comes out to $167 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,049 per year.
At a monthly rate, this comes out to $171 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $975 per year.
At a monthly rate, this comes out to $81 per month.
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- Umialik:
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At an annual rate, you can expect to pay $1,435 per year.
At a monthly rate, this comes out to $120 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,900 per year.
At a monthly rate, this comes out to $158 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,947 per year.
At a monthly rate, this comes out to $162 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,972 per year.
At a monthly rate, this comes out to $164 per month.
After DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Alaska.
The Alaska SR22 program provides insurance quotes for drivers who have previously had their licenses revoked and need auto insurance. For customers in Anchorage, Alaska, Umialik Insurance Company provides many options for those seeking insurance after a DUI accident.
Car owners in their 20s
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- Umialik:
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At an annual rate, you can expect to pay $750 per year.
At a monthly rate, this comes out to $62 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,025 per year.
At a monthly rate, this comes out to $85 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,061 per year.
At a monthly rate, this comes out to $88 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,484 per year.
At a monthly rate, this comes out to $124 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,529 per year.
At a monthly rate, this comes out to $127 per month.
Car owners in their 30s
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- Umialik:
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At an annual rate, you can expect to pay $1,361 per year.
At a monthly rate, this comes out to $113 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,660 per year.
At a monthly rate, this comes out to $138 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,846 per year.
At a monthly rate, this comes out to $154 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,312 per year.
At a monthly rate, this comes out to $193 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,952 per year.
At a monthly rate, this comes out to $246 per month.
Car owners in their 40s
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- Umialik:
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At an annual rate, you can expect to pay $1,171 per year.
At a monthly rate, this comes out to $98 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,616 per year.
At a monthly rate, this comes out to $135 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,804 per year.
At a monthly rate, this comes out to $150 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,312 per year.
At a monthly rate, this comes out to $193 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,106 per year.
At a monthly rate, this comes out to $258 per month.
Car owners in their 50s
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- Umialik:
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At an annual rate, you can expect to pay $1,046 per year.
At a monthly rate, this comes out to $87 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,583 per year.
At a monthly rate, this comes out to $132 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,637 per year.
At a monthly rate, this comes out to $136 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,143 per year.
At a monthly rate, this comes out to $176 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,932 per year.
At a monthly rate, this comes out to $244 per month.
Car owners in their 60s
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- Umialik:
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At an annual rate, you can expect to pay $971 per year.
At a monthly rate, this comes out to $81 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,505 per year.
At a monthly rate, this comes out to $125 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,571 per year.
At a monthly rate, this comes out to $131 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,143 per year.
At a monthly rate, this comes out to $179 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,644 per year.
At a monthly rate, this comes out to $220 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers, so many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Alaska, this would be the Alaska Automobile Insurance Plan, or AAIP plan.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
Featured Image: Megapixl
