Cheap Alaska Auto Insurance in 2024 (Get Low Rates With These 10 Companies)
USAA, State Farm, and Geico are the best options for cheap Alaska auto insurance, with monthly rates as low as $20 and minimal coverage needs, allowing drivers to find discounts and save money despite Alaka's severe weather threats and expensive auto insurance regulations. Compare quotes now.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Min. Coverage in Alaska
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
19,116 reviewsCompany Facts
Min. Coverage in Alaska
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsWith monthly prices as low as $20 with minimal coverage, USAA, State Farm, and Geico are the top choices for cheap Alaska auto insurance. These companies are the best choices for Alaskans seeking auto insurance with great customer service, and reasonable pricing.
There are numerous ways to locate cheap Alaska auto insurance, despite the higher prices.
You can discover all the information you require to reduce your rates here in this article, from utilizing the best insurance dicounts to contrasting quotations from the top Alaskan auto insurance providers.
Our Top 10 Company Picks: Cheap Alaska Auto Insurance| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $20 | A++ | Military Benefits | USAA |
 | #2 | $22 | B | Discounts Variety | State Farm |
 | #3 | $26 | A++ | Low Rates | Geico |
 | #4 | $32 | A++ | Electric Discounts | Travelers |
 | #5 | $33 | A+ | Snapshot Program | Progressive |
 | #6 | $36 | A | Loyalty Rewards | American Family |
 | #7 | $37 | A+ | Vanishing Deductible | Nationwide |
 | #8 | $44 | A | Customized Coverage | Farmers |
 | #9 | $46 | A+ | Full Coverage | Allstate |
 | #10 | $56 | A | Bundle Discounts | Liberty Mutual |
Are you prepared to acquire the finest Alaskan auto insurance possible? To compare rates at no cost, simply enter your ZIP code today.
- Alaska auto insurance rates are generally above the national average
- Uninsured drivers, weather, and insurance requirements increase rates
- Drivers should seek discounts and compare quotes
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#1 – USAA: Top Overall Pick
Pros
- Competitive Rates: Known for offering cheap Alaska auto insurance with rates starting at $20 monthly, making it an excellent choice for affordability in both states. Find out more through our USAA auto insurance review
- Excellent Customer Service: High satisfaction rates due to top-tier customer service and support. The A++ rating from A.M. Best ensures reliable coverage for cheap Alaska auto insurance.
- Comprehensive Coverage Options: Extensive options including rental reimbursement and roadside assistance, ideal for those seeking comprehensive coverage at low rates.
Cons
- Eligibility Restrictions: Limited to military personnel, veterans, and their families, which may not be accessible for all who are seeking cheap Alaska auto insurance.
- Limited Physical Branches: Fewer physical locations for in-person service, which could be inconvenient for some customers looking for face-to-face assistance.
#2 – State Farm: Best for Discounts Variety
Pros
- Extensive Discount Variety: Offers a wide range of discounts, including those for safe driving and bundling policies, helping reduce costs for cheap Alaska auto insurance.
- Broad Agent Network: An extensive network of local agents ensures personalized service and support throughout Alaska. Delve more through our State Farm auto insurance review.
- Strong A.M. Best Rating: Despite a B rating, State Farm’s broad coverage options and customer service make it a competitive choice for cheap Alaska auto insurance.
Cons
- Higher Rates for Young Drivers: Rates can be higher for younger drivers, potentially affecting affordability for those seeking cheap Alaska auto insurance.
- Variable Customer Service: Service quality may vary depending on the local agent, leading to inconsistent experiences for those looking for reliable, cheap Alaska auto insurance.
#3 – Geico: Best for Low Rates
Pros
- Low Rates: Known for offering some of the cheapest Alaska auto insurance rates, with premiums starting at $26, making it highly affordable for both states.
- Excellent Digital Tools: Provides advanced online tools for managing policies and filing claims, which is particularly useful for customers seeking cheap Alaska auto insurance.
- Comprehensive Discounts: Includes a variety of discounts for safe driving, military service, and multi-vehicle policies, enhancing its value for cheap Alaska auto insurance. Read more through our Geico auto insurance review.
Cons
- Limited Local Presence: Fewer local offices can limit in-person service options, which might be less convenient for those looking for personal support with cheap Alaska auto insurance.
- Inconsistent Customer Service: Some customers experience varying levels of service quality, which can impact overall satisfaction for those seeking affordable, cheap Alaska auto insurance.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#4 – Travelers: Best for Electric Discounts
Pros
- Affordable Rates: Provides cheap Alaska auto insurance with rates starting at $32 per month, making it an economical choice for drivers in both states.
- Electric Vehicle Discounts: Offers discounts for electric vehicle owners, making it a great option for those looking for cheap Alaska auto insurance and green driving incentives.
- Strong Financial Stability: The A++ rating from A.M. Best ensures financial reliability, which is crucial for those seeking dependable cheap Alaska auto insurance.
Cons
- Higher Rates for Some Drivers: Premiums can be higher for drivers with a history of claims or poor credit, potentially affecting affordability for cheap Alaska auto insurance. Look for more details through our Travelers auto insurance review.
- Limited Local Presence: Fewer local agents and offices may limit in-person service options, which could be inconvenient for those seeking personal assistance with cheap Alaska auto insurance.
#5 – Progressive: Best for Snapshot Program
Pros
- Low Rates: Known for offering some of the cheapest Alaska auto insurance, with premiums starting at $33 per month, making it highly affordable for both states.
- Snapshot Program: Offers the Snapshot program, which rewards safe driving with discounts, helping reduce costs for those seeking cheap Alaska auto insurance.
- Comprehensive Coverage Options: Provides a wide range of coverage options including rental reimbursement and roadside assistance, ideal for those needing cheap Alaska auto insurance.
Cons
- Variable Premiums Based on Driving Behavior: Rates can vary significantly based on driving habits recorded through the Snapshot program, potentially affecting predictability for cheap Alaska auto insurance.
- Customer Service Variability: Some customers report inconsistent service quality, which can impact satisfaction for those seeking reliable and affordable cheap Alaska auto insurance. Our complete Progressive auto insurance review goes over this in more detail.
#6 – American Family Insurance: Best for Loyalty Rewards
Pros
- Affordable Coverage: Provides cheap Alaska auto insurance with rates starting at $36 monthly, making it a cost-effective option for drivers in both states. Learn additional details through our American Family auto insurance review
- Loyalty Rewards: Benefits for long-term customers, including loyalty rewards and discounts, adding value for those seeking cheap Alaska auto insurance.
- Comprehensive Coverage Options: Offers various coverage options and endorsements to fit different needs, ideal for those looking for cheap Alaska auto insurance with extensive protection.
Cons
- Higher Rates for Young Drivers: Premiums can be higher for younger drivers, potentially affecting the affordability of cheap Alaska auto insurance.
- Limited Local Branches: Fewer physical locations for in-person service, which might be less convenient for those seeking face-to-face assistance with cheap Alaska auto insurance.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#7 – Nationwide: Best for Vanishing Deductible
Pros
- Competitive Rates: Offers cheap Alaska auto insurance with rates starting at $37 per month, making it a budget-friendly option for drivers in both states.
- Vanishing Deductible: This unique feature where deductibles decrease over time for safe driving, helping reduce out-of-pocket expenses for those seeking cheap Alaska auto insurance. Get more information from our Nationwide auto insurance review
- Comprehensive Coverage Options: Provides various coverage options and endorsements to suit different needs, enhancing its appeal for cheap Alaska auto insurance.
Cons
- Higher Rates for High-Risk Drivers: Premiums can be higher for drivers with a history of incidents or violations, which may affect the affordability of cheap Alaska auto insurance.
- Limited Local Agents: Fewer local agents may limit personalized service and support options for those seeking cheap Alaska auto insurance.
#8 – Farmers Insurance: Best for Customized Coverage
Pros
- Affordable Rates: Provides cheap Alaska auto insurance with competitive pricing starting at $44 per month.
- Customized Coverage: Offers a wide range of customizable coverage options to fit individual needs, making it a good choice for cheap Alaska auto insurance.
- Strong Financial Stability: The A rating from A.M. Best reflects solid financial health, ensuring reliable coverage for those seeking cheap Alaska auto insurance. Get more information from our Farmers auto insurance review.
Cons
- Higher Rates for Certain Drivers: Premiums may be higher for drivers with less-than-ideal driving records, impacting affordability for cheap Alaska auto insurance.
- Inconsistent Customer Service: Some users report varying levels of customer service quality, which can affect satisfaction for those seeking reliable, cheap Alaska auto insurance.
#9 – Allstate: Best for Full Coverage
Pros
- Competitive Pricing: Offers cheap Alaska auto insurance with rates starting at $46 per month, providing a cost-effective option for drivers in both states.
- Full Coverage Options: Provides comprehensive coverage options, including those for high-risk drivers and various add-ons, ideal for those needing cheap Alaska auto insurance with extensive protection.
- Strong Financial Rating: An A+ rating from A.M. Best indicates strong financial stability and reliability for those seeking cheap Alaska auto insurance.
Cons
- Higher Premiums for Some Drivers: Rates may be higher for certain demographics or drivers with a history of incidents, impacting affordability for cheap Alaska auto insurance. To see monthly premiums and honest rankings, read our Allstate Auto Insurance Review.
- Service Quality Can Vary: Customer service experiences may differ based on location and agent, leading to inconsistent service for those seeking cheap Alaska auto insurance.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#10 – Liberty Mutual: Best for Bundle Discounts
Pros
- Affordable Premiums: Offers cheap Alaska auto insurance with rates starting at $56 per month, making it a budget-friendly option for drivers in both states.
- Bundle Discounts: Opportunities for significant savings through bundling with home or other types of insurance are beneficial for those seeking cheap Alaska auto insurance.
- Comprehensive Coverage: Provides a wide range of coverage options and customizable policies, ideal for those looking for affordable coverage in Alaska.
Cons
- Higher Premiums Compared to Some Competitors: Rates can be higher than some other providers, which might impact affordability for those specifically seeking cheap Alaska auto insurance.
- Mixed Customer Service Feedback: Service quality can vary depending on location and representative, leading to inconsistent experiences for those looking for reliable, cheap Alaska auto insurance. Check out insurance savings in our complete Liberty Mutual auto insurance review.
Understanding Alaska’s Auto Insurance Laws
Alaska has some of the highest auto insurance requirements in the nation, matching Maine’s standards. The minimum coverage includes $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage per accident.
Alaska Auto Insurance Monthly Rates by Coverage Level & Provider| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $46 | $135 |
| American Family | $36 | $105 |
| Farmers | $44 | $127 |
| Geico | $26 | $76 |
| Liberty Mutual | $56 | $164 |
| Nationwide | $37 | $108 |
| Progressive | $33 | $97 |
| State Farm | $22 | $65 |
| Travelers | $32 | $93 |
| USAA | $20 | $60 |
Optional coverages available in Alaska are comprehensive, collision, medical payments, rental car reimbursement, roadside assistance, and uninsured/underinsured motorist bodily injury coverage.
Alaska operates under a “tort” system, meaning the at-fault driver is responsible for paying claims and dealing with lawsuits, which can impact insurance premiums if you’re at fault or involved with an uninsured driver.
Drivers must carry bodily injury liability insurance to cover medical costs for others if they are at fault, and property damage liability insurance to cover damages to property caused by their actions.
Evaluate Auto Insurance Quotes in Alaska
Finding cheap Alaska auto insurance is manageable despite rates being slightly higher than the national average. As of June, the average monthly rate in Alaska is $120, just above the $119 national median.
Drivers in Anchorage face higher rates, averaging $174 monthly, while those in Juneau pay about $120 per month.
Tim Bain Licensed Insurance Agent
Despite these variables, securing affordable auto insurance in Alaska remains achievable. Read our guide on affordable auto insurance for more information. To compare quotes, just enter your ZIP code below.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Auto Insurance Rates in Alaska: Company Breakdown
Rates of Auto Accidents and Theft in Alaska
Alaska’s crash statistics present a mixed picture. In 2007, there were 10,578 crashes, a decrease from 11,728 in 2006. However, fatalities rose from 74 to 82 during the same period, which could potentially drive up auto liability insurance rates if the trend continues.
On the other hand, auto theft remains relatively low in Alaska due to the logistical challenges of moving stolen vehicles.
In 2009, 1,689 vehicles were reported stolen, a slight increase from 1,630 in 2008 but still down over 35% since 2001. This article can assist Alaskans in finding cheap Alaska auto insurance rates by comparing offers from various companies. Compare quotes now, enter your ZIP code below.
Unlocking Affordable Auto Insurance in Alaska
Navigating the landscape of auto insurance in Alaska can be challenging due to the state’s unique conditions and higher average rates. However, finding cheap Alaska auto insurance is possible with the right approach.
By learning how to compare auto insurance quotes from top providers such as USAA, State Farm, and Geico, you can uncover competitive rates that align with your budget and coverage needs.
Leveraging comparison tools and exploring available discounts, such as those for electric vehicles or multi-policy bundling, can further enhance your savings. Recall that being knowledgeable and engaged is essential to getting the greatest deals.
To begin comparing and learning how to save a lot of money on your auto insurance, enter your ZIP code now.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Frequently Asked Questions
What are the minimum auto insurance requirements in Alaska?
Alaska’s rates are higher due to uninsured drivers, weather, and insurance requirements. Auto insurance in Alaska requires a minimum of 50/100/25 liability coverage.
How much does auto insurance cost in Alaska?
Alaska’s rates are higher due to factors such as uninsured drivers, challenging weather conditions, and stringent insurance requirements. Consequently, the average cost of auto insurance in Alaska is approximately $120.35 per month. Enter your ZIP code now.
Where can I find the cheapest auto insurance in Alaska?
To find cheap Alaska auto insurance and understand how insurance companies determine rates, compare quotes from multiple companies.
Are there optional coverage options in Alaska?
Yes, optional Alaska auto insurance options include collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.
How can I save money on auto insurance in Alaska?
You can save money on Alaska auto insurance by maintaining a clean driving record, raising deductibles, and taking advantage of discounts. Enter your ZIP code now.
What are the minimum auto insurance coverage requirements in Alaska, and how do they compare to other states?
Alaska requires a minimum coverage of $50,000 for bodily injury insurance per person, $100,000 per accident, and $25,000 for property damage. This is similar to Maine’s standards but higher than many other states.
Which auto insurance providers offer the best discounts for electric vehicles in Alaska?
Travelers is noted for offering discounts specifically for electric vehicles, providing potential savings for electric car owners in Alaska.
How do the customer service experiences and satisfaction levels vary among the top auto insurance providers in Alaska?
Customer service experiences can vary, with some providers like USAA and State Farm generally receiving high satisfaction ratings, while others like Geico and Liberty Mutual may have more mixed reviews depending on location and individual experiences. Enter your ZIP code now.
What factors contribute to the higher auto insurance premiums in Alaska compared to the national average?
What are the key benefits of using comparison tools to find cheap auto insurance in Alaska?
Using comparison tools helps consumers quickly evaluate rates and coverage options from multiple insurers, ensuring they find the most affordable and suitable cheap Alaska auto insurance tailored to their needs.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
