The average driver in Alaska pays about $1,262 a year for full coverage — about 12% less than the US average of $1,438. That ranks Alaska #28 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $606, a high-loss one well over $9,293.
Alaska insurance cost by coverage
Average Alaska premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Alaska
Alaska legally requires at least 50/100/25 in liability coverage — $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves. Buying used here? Check the car first — look it up by its Alaska license plate.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Alaska
Estimated annual premium in Alaska, cheapest first — state average × each car's real HLDI loss index. See the full cheapest cars to insure nationally.
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
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Most expensive cars to insure in Alaska
The priciest cars to insure in Alaska — powerful, theft-prone and costly to repair. See the most expensive cars to insure nationally.
Alaska insurance cost by year
Alaska premiums are up about +11% since 2019. Average Alaska premium by year:
| Year | Alaska avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Alaska's largest cities
Rates vary within Alaska by city and ZIP — dense metros like Anchorage run above the state average, while smaller towns run below. Estimated typical premium in Alaska's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Anchorage | $1,388/yr | +10% urban |
| Fairbanks | $1,350/yr | +7% urban |
| Juneau | $1,325/yr | +5% urban |
| Wasilla | $1,312/yr | +4% urban |
| Sitka | $1,287/yr | +2% urban |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.
Alaska car insurance — frequently asked
How much is car insurance in Alaska?
The average is about $1,262/yr ($105/mo) for full coverage — 12% below the US average. Your exact rate depends on your car, age and record.
What is the minimum car insurance required in Alaska?
Alaska requires at least 50/100/25 liability — $50,000 bodily injury per person, $100,000 per accident and $25,000 property damage.
Is car insurance expensive in Alaska?
Alaska ranks #28 of 51 states (mid-pack). At $1,262/yr it is below the national average of $1,438.
What is the cheapest car to insure in Alaska?
On our data, low-loss models like the Chevrolet Express are cheapest to insure in Alaska — around $606/yr.
How much is car insurance per month in Alaska?
About $105/month for a typical car with full coverage — less for cheap-to-insure models, more for high-performance ones.