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Last updated: March 24, 2026Best Auto Insurance in Alaska of 2026
State Farm, USAA, and Allstate are among our top picks in Alaska.
Best for Safe Drivers
Editor's Rating:
4.9/5
4.9/5Full Coverage Averages in Alaska
- Annual Premium: $2,162
- Monthly Premium: $180
Best for Military and Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in Alaska
- Annual Premium: $1,711
- Monthly Premium: $143
Best for Bundling
Editor's Rating:4.4/5
4.4/5Full Coverage Averages in Alaska
- Annual Premium: $2,242
- Monthly Premium: $187
Key Takeaways
- The best auto insurance provider in Alaska for safe drivers, according to our research, is State Farm. USAA, Allstate, GEICO, and Progressive also made our list of top picks in the state.
- The cost of full coverage auto insurance in Alaska is $2,196 annually, while minimum coverage costs an average of $561 annually — both lower than the national averages.
- The rates listed here are averages, and while average rates offer helpful insight into general pricing trends, your individual costs will vary based on details such as your age and driving record.
Summary of the Best Auto Insurance in Alaska
- Best for Safe Drivers: State Farm
- Best for Active Military and Veterans: USAA
- Best for Bundling: Allstate
- Best Cheap: GEICO
- Best Commercial Auto Insurance: Progressive
Compare the Best Cheap Auto Insurance in Alaska
| Company | Full Coverage Monthly Avg. in AK | Minimum Coverage Monthly Avg. in AK | Claims satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $180 | $48 | Above average |
| USAA | $143 | $32 | Above average |
| Allstate | $187 | $48 | Below average |
| GEICO | $141 | $38 | Below average |
| Progressive | $168 | $54 | Below average |
| Alaska | $183 | $47 | – |
Detailed List of the Best Auto Insurance in Alaska
1. State Farm - Best for Safe Drivers
4.9
Editor's Rating:
- Average Rate forMinimum Coverage$54 mo.
- Average Rate forFull Coverage$169 mo.
- Offers a wide range of discounts
- Strong customer service record
- Highly-rated digital tools
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm is our top pick for Alaskans, with a range of discounts specifically for safe drivers, several coverage options, easy-to-use mobile features, and more. State Farm’s biggest saving opportunity for drivers is through its Drive Safe & Save program. If you complete the program and exhibit safe driving habits, you can earn up to 30 percent off your car insurance when you renew your policy.
It also offers a Steer Clear discount for young drivers, a defensive driving discount for those over 55, and a good driver discount for new customers who have been accident-free and violation-free for three years or more. In addition, State Farm sells policies through local agents, providing personalized service and ensuring you get the coverage you need. It offers various add-on coverages that you can choose from, including rideshare insurance and classic car coverage.
Who it’s best for
Safe drivers, classic car owners, people with multiple vehicles
State Farm Alaska Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $180 | $48 |
| Annually | $2,162 | $575 |
| Difference from Alaska average | -2% | -2% |
2. USAA - Best for Active Military and Veterans
5
Editor's Rating:
- Average Rate forMinimum Coverage$36 mo.
- Average Rate forFull Coverage$128 mo.
- Low average rates in Alaska
- Special perks and discounts for military members
- Low-mileage telematics program
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
Alaska is home to over 50,000 veterans who make up around 7 percent of the state’s population.1 If you’re an active military member, veteran, or military dependent, USAA is our top car insurance choice for you. It offers some of the most affordable rates in the country, highly ranked customer service scores, and excellent member benefits such as financial advice and car rental discounts.
With an average annual full coverage rate of $1,711, USAA offers the second-cheapest car insurance in Alaska after GEICO. It also has the cheapest minimum coverage rates. Plus, you can get those rates even lower depending on how much coverage you have or what discounts you’re eligible for. Available discounts include a storage discount of up to 60 percent if you keep your vehicle in storage while you’re deployed out of state, a good student discount for students with B averages or higher, and a military base discount of up to 15 percent when you store your vehicle on a military base.
Who it’s best for
Active military, veterans, or military dependents, U.S. military deployed or stationed overseas
USAA Alaska Pricing
| USAA | Full coverage | Minimum coverage | ||
|---|---|---|---|---|
| Monthly | $143 | $32 | ||
| Annually | $1,711 | $386 | ||
| Difference from Alaska average | -22% | -32% |
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $187 | $48 |
| Annually | $2,242 | $570 |
| Difference from Alaska average | +2% | +2% |
4. GEICO - Best Cheap
4.2
Editor's Rating:
- Average Rate forMinimum Coverage$46 mo.
- Average Rate forFull Coverage$156 mo.
- Cheap rates
- Numerous discounts
- Online quotes and purchasing
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
GEICO offers some of the most affordable full and minimum coverage policies in Alaska. Whether you’re a driver with a clean record or a high-risk driver — particularly if you have a speeding ticket or at-fault accident on your record — GEICO is likely to offer some of the best deals in the state. Its average annual full coverage premium is 23 percent cheaper than the state average, while its average minimum coverage rate is 19 percent cheaper.
GEICO also offers a range of discounts, including discounts for certain vehicle equipment, customer loyalty, good driving habits, and driver affiliation. GEICO has partnered with over 500 organizations, including professional companies, fraternities, sororities, and other alumni organizations, and members of these partner organizations may be eligible for a discount on their auto insurance. Federal employees and military members may also qualify for a discount.
GEICO Alaska Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $141 | $38 |
| Annually | $1,692 | $451 |
| Difference from Alaska average | -23% | -19% |
5. Progressive - Best Commercial Auto Insurance
4.7
Editor's Rating:
- Average Rate forMinimum Coverage$59 mo.
- Average Rate forFull Coverage$172 mo.
- Online quotes
- Strong digital tools
- Reasonable rates for drivers with DUIs
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
Why we chose it
According to the US Small Business Administration, in 2023, 91 percent of businesses in Alaska qualified as small businesses.2 Vehicles used for business fall outside the scope of traditional auto insurance, so if you own a business and operate a business vehicle, you’ll need a commercial insurance policy. Progressive offers commercial insurance for business vehicles in every city in Alaska, providing 24/7 policy service and claims adjusters who specialize in commercial auto insurance.
Business owners can also take advantage of a range of discounts offered by Progressive to lower the cost of their commercial insurance premiums. These include discounts for bundling commercial auto insurance with a Progressive general liability or business owners policy, paying your policy in full, and insuring your personal vehicles with Progressive.
Who it’s best for
Customers who prefer to shop and manage policies online, small business owners, drivers with a DUI
Progressive Progressive Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $168 | $54 |
| Annually | $2,020 | $646 |
| Difference from Alaska average | -8% | +15% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Claims Satisfaction3 | CRASH Network Report Card4 | J.D. Power Shopping Customer Satisfaction5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| State Farm | 716 | C- | 699 | 0.98 |
| USAA | 741 | D+ | 732 | 1.62 |
| Allstate | 693 | D | 669 | 2.10 |
| GEICO | 697 | C- | 660 | 1.45 |
| Progressive | 673 | C | 645 | 1.43 |
| Average | 700 (out of 1,000) | C+ | 667 (out of 1,000) | 1 |
| What the study measures | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the insurance shopping process, based on responses from nearly 13,000 customers who requested a quote in the previous six months | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Alaska
Full Coverage Rates in Alaska
Drivers in Alaska can expect to pay around 6 percent less than the national average for full coverage auto insurance. Typically, a full coverage policy in Alaska costs around $2,196 a year and $183 a month.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Alaska Average | $2,196 | $183 |
| National Average | $2,356 | $196 |
Minimum Coverage Rates in Alaska
Those looking for minimum coverage (also known as liability coverage) can expect premiums around 22 percent higher than the national average. On average, minimum coverage policies in Alaska cost around $561 per year, and $47 per month.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Alaska Average | $561 | $47 |
| National average | $722 | $60 |
Cost of Auto Insurance in Alaska by City
Auto insurance rates can vary significantly depending on your city. In Alaska, Anchorage has the highest premiums, with rates averaging $2,499 annually or $208 per month. Juneau, Sitka, and Ketchikan offer some of the cheapest auto insurance rates, averaging under $1,800 annually.
Auto insurance rates don’t just vary based on your state and city. Driving history, coverage type, your age, and vehicle make and model can also have a significant impact on the cost of your auto insurance. We recommend comparing at least two providers to find the best rates for you.
| City | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Anchorage | $2,499 | $208 |
| Fairbanks | $2,327 | $194 |
| Juneau | $1,789 | $149 |
| Sitka | $1,777 | $148 |
| Ketchikan | $1,783 | $149 |
How Many Car Accidents Happen in Alaska?
According to data from the National Highway Traffic Safety Administration, there were 56 fatal car crashes in Alaska in 2023.7 The months with the most fatal accidents were June and August, followed by September and January. Meanwhile, the most dangerous day of the week was Saturday, followed by Monday and Thursday.
Minimum Auto Insurance Requirements in Alaska
To drive legally in Alaska, you need minimum liability insurance with the following limits:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
It’s often wise to purchase higher liability limits as well as additional coverages such as medical payments, collision, comprehensive, and uninsured/underinsured motorist coverage. The minimum limits, while cheaper upfront, may not be enough to cover expenses if you get into a serious accident.
DID YOU KNOW?
Data from the National Highway Traffic Safety Administration (NHTSA) shows that Alaska has one of the highest car accident fatality rates due to winter weather. Comprehensive insurance ensures your vehicle is covered in the event of weather-related damages.
Methodology
To find the top car insurance companies in Alaska, we assessed providers across the following four main criteria:
- Pricing (40%): We looked at average yearly rates for full and minimum coverage for a good driver profile in Alaska. We also examined average costs for high-risk driver profiles. Lastly, we looked at discounts offered by insurers and whether they included major savings such as usage-based, young driver, and bundling discounts. For full coverage averages, we use the following limits:
-
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We prioritize an insurer’s ability to process claims in a timely and fair manner. We reviewed third-party studies from sources like J.D. Power’s Claims Satisfaction Report for providers offering policies in Alaska. We also considered financial strength ratings from AM Best, which reflect a company’s ability to fulfill claims payouts. Customer Experience (25%): The entire journey of getting a quote, buying a policy, and dealing with the insurer was assessed based on the ease of the online quote retrieval and buying process.
- Coverage Options (10%): We prefer companies that provide add-on coverages beyond minimum requirements in Alaska. This includes gap coverage, rideshare accident forgiveness, and roadside assistance, to name a few.
Learn more about our ratings and methodology sources.
Frequently Asked Questions
On average, GEICO and USAA are the cheapest providers in Alaska for both full and minimum coverage.
Yes, Alaska is an at-fault state. Companies use fault to determine who is responsible for an accident. Insurance investigators determine the at-fault driver by assessing an accident and determining who is more responsible. The responsible party must pay for the other party’s losses, both property damage and bodily injuries.
Alaska is a pure comparative negligence state, which means you can seek compensation for damages regardless of your share of the fault. So even if you’re 99 percent at fault, you can still file a claim to recover 1 percent of your damages, as your compensation is reduced by your degree of fault.
Although uninsured motorist (UIM) coverage isn’t required in Alaska, it’s often wise to purchase it. If you don’t have UIM coverage and an uninsured driver hits you, you may have to cover your own medical bills and vehicle repair costs out of pocket. Without UIM, you may also face challenges recovering damages for pain, suffering, or lost wages. Uninsured drivers often lack the financial resources to pay for damages themselves, leaving you with limited legal recourse. According to the Insurance Information Institute, about 13 percent of drivers in Alaska are uninsured, slightly under the national average of 15 percent.
Here are some of Alaska’s largest auto insurance providers:
- Allstate
- GEICO
- Progressive
- State Farm
- The General
- Umialik
- USAA
Sources
Who are the nation’s veterans?. USAFacts. (2025, Apr 14).
https://usafacts.org/articles/who-are-the-nations-veterans/2023 Small Business Profile. Alaska Office of Advocacy. (2023).
https://advocacy.sba.gov/wp-content/uploads/2023/11/2023-Small-Business-Economic-Profile-AK.pdfSatisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Despite Slowing Rate of Increase in Auto Insurance Pricing, Most Customers Still Shopping, JD Power Finds. JD Power. (2025, Apr 29).
https://www.jdpower.com/business/press-releases/2025-us-insurance-shopping-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmFatality and Injury Reporting System Tool (FIRST). NHTSA. (2026).
https://cdan.dot.gov/query
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