See Alaska car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in Alaska can vary widely across the state. Long distances between towns, harsh winters, and limited access to repair shops can raise claim costs. Once ready, see the best local and statewide car insurers.
Alaska’s 50/100/25 Rule: What It Covers
Alaska New Car Insurance Costs
Alaska Used Car Insurance Costs
How Credit History Influences Alaska Car Insurance Prices
Why Alaska’s Minimums Can Leave You Paying the Difference
How Alaska Drivers Can Bring Their Insurance Costs Down
Curious about car financing? See real Alaska car loan rates shared by our community. Also find Alaska Best car loan lenders in your area (also community recommended).
Alaska’s 50/100/25 Rule: What It Covers
Alaska law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $50,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $100,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Alaska also requires coverage for injuries caused by uninsured and underinsured drivers. This helps protect you if the other driver has little or no insurance.
MFP Tip: Remote travel and high repair costs can make claims expensive. Higher liability limits can help protect your finances.
Alaska New Car Insurance Costs
Your new auto insurance price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive to ship.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $136 | $158 | $172 | $278 |
| Standard | $114 | $133 | $144 | $233 | |
| Liability only | $80 | $93 | $101 | $163 | |
| $40K-$60K | Full | $115 | $134 | $146 | $235 |
| Standard | $96 | $111 | $121 | $196 | |
| Liability only | $68 | $79 | $87 | $140 | |
| $25K-$40K | Full | $100 | $117 | $127 | $205 |
| Standard | $83 | $97 | $106 | $170 | |
| Liability only | $61 | $70 | $77 | $124 | |
| Below $25K | Full | $88 | $102 | $112 | $180 |
| Standard | $72 | $84 | $92 | $148 | |
| Liability only | $53 | $62 | $68 | $109 |
Alaska Used Car Insurance Costs
Used cars may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $103 | $119 | $130 | $210 |
| Standard | $86 | $100 | $109 | $175 | |
| Liability only | $61 | $71 | $77 | $125 | |
| $15K-$40K | Full | $86 | $100 | $109 | $175 |
| Standard | $71 | $83 | $90 | $145 | |
| Liability only | $52 | $60 | $66 | $106 | |
| Below $15K | Full | $72 | $84 | $91 | $147 |
| Standard | $59 | $68 | $74 | $120 | |
| Liability only | $44 | $51 | $56 | $90 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Alaska Car Insurance Prices
In Alaska, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Find the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Alaska’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles and structures in Alaska cost more than $25,000 to repair or replace. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical transport and care can push costs past $50,000 for a single person. If more than one person is hurt, the $100,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has little or no insurance.
What Shapes Alaska Rates
Alaska uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Extreme cold, heavy snow, ice, and wildlife crossings can damage vehicles and lead to claims across the state.
Remote highways and long distances between towns increase the risk of severe accidents and higher repair and towing costs.
How Alaska Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly short distances in town, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in Alaska
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Alaska Division of Motor Vehicles. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Alaska Best Car Insurance
Find Alaska best local insurers by metro areas, and online, based on community recommendations
Anchorage, Fairbanks, Juneau, Badger, Knik-Fairview, College, Wasilla, Online Lenders
Anchorage Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Anchorage’s area are Randall Moss Insurance, Devery Prince Agency Team, Allstate and Alaska Service Agency.
Randall Moss Insurance (90% Recommend)
- Randall Moss Insurance ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to long-running local service, useful comparison help, and strong support for Anchorage drivers shopping car insurance.
Devery Prince Agency Team, Allstate (89% Recommend)
- Devery Prince Agency Team ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to fast responses, helpful communication, and positive local support for drivers adding or managing auto insurance.
Alaska Service Agency (88% Recommend)
- Alaska Service Agency ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing it close to Randall Moss on service and value.
- Customer feedback and agency signals support strong consultation, multiple company options, and practical local guidance for Anchorage-area drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Randall Moss Insurance | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Devery Prince Agency Team, Allstate | Insurer | 4.8 | 4.7 | 4.8 | 89% |
| Alaska Service Agency | Agency | 4.7 | 4.7 | 4.8 | 88% |
| Charity Carmody, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Stacey Roy, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Doug McCann, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Jim Hajdukovich, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Todd Jackson, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Art Mathias, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Ryan Mulholland, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Randy Jackson, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Lisa Sanders, agent, State Farm | Insurer | 4.5 | 4.4 | 4.5 | 83% |
| Mike Vierzba, agent, State Farm | Insurer | 4.4 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.4 | 4.3 | 82% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Fairbanks Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Fairbanks’s area are Matthew Raymond, agent, State Farm, Jim Kelly, agent, State Farm and Dunlap Agency, Inc.
Matthew Raymond, agent, State Farm (91% Recommend)
- Matthew Raymond ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-guidance profile among the top 3.
- Customer feedback and local agent signals point to strong service, easy quote help, and dependable Fairbanks-area support for car insurance shoppers.
Jim Kelly, agent, State Farm (89% Recommend)
- Jim Kelly ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Matthew Raymond on both support and value.
- Customer feedback and local agent signals support experienced guidance, auto insurance help for Fairbanks drivers, and clear coverage assistance.
Dunlap Agency, Inc. (88% Recommend)
- Dunlap Agency ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, matching Jim Kelly on value and support.
- Customer feedback and agency signals point to knowledgeable local help, Alaska-specific insurance experience, and useful coverage guidance for Fairbanks drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Matthew Raymond, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Jim Kelly, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Dunlap Agency, Inc. | Agency | 4.7 | 4.7 | 4.8 | 88% |
| Shannon Fortune, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Kris Yoder, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Ed Randolph, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Edward Anderson, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Fairbanks Insurance Brokers | Broker | 4.6 | 4.6 | 4.7 | 86% |
| Alaska USA Insurance Brokers | Broker | 4.6 | 4.5 | 4.6 | 85% |
| Hub International | Broker | 4.5 | 4.5 | 4.6 | 84% |
| Country Financial | Insurer | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.4 | 4.3 | 82% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
| Allstate | Insurer | 4.5 | 4.3 | 4.3 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.3 | 80% |
Juneau Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Juneau’s area are Reuben Willis, agent, State Farm, Malia Hayward, agent, State Farm and Budget Insurance Agency.
Reuben Willis, agent, State Farm (91% Recommend)
- Reuben Willis ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-guidance profile among the top 3.
- Customer feedback and local agent signals point to strong service, clear auto coverage help, and dependable Juneau-area support for car insurance shoppers.
Malia Hayward, agent, State Farm (89% Recommend)
- Malia Hayward ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Reuben Willis on service and value.
- Customer feedback and local agent signals support helpful communication, clear quote guidance, and practical coverage help for Juneau drivers.
Budget Insurance Agency (88% Recommend)
- Budget Insurance Agency ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Malia Hayward on ease and support.
- Customer feedback and agency signals point to useful comparison help, multiple carrier options, and local guidance for drivers shopping car insurance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Reuben Willis, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Malia Hayward, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Budget Insurance Agency | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Robin Lonas, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Emil Mackey, agent, Country Financial | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| HUB International | Broker | 4.6 | 4.5 | 4.7 | 86% |
| Alaska USA Insurance Brokers | Broker | 4.5 | 4.5 | 4.6 | 85% |
| GEICO | Insurer | 4.7 | 4.4 | 4.3 | 82% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
| Allstate | Insurer | 4.5 | 4.3 | 4.3 | 81% |
Badger Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Badger’s area are Tammy Randolph, agent, State Farm, Jennifer Lindsoe, agent, Allstate and Matthew Raymond, agent, State Farm.
Tammy Randolph, agent, State Farm (90% Recommend)
- Tammy Randolph ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined support-and-value profile among the top 3.
- Customer feedback and local agent signals point to long-running North Pole-area service, clear auto insurance help, and strong support for Badger-area drivers.
Jennifer Lindsoe, agent, Allstate (89% Recommend)
- Jennifer Lindsoe ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to accessible local service, easy quote starts, and practical help for drivers comparing or managing auto insurance.
Matthew Raymond, agent, State Farm (88% Recommend)
- Matthew Raymond ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Jennifer Lindsoe on support and value.
- Customer feedback and nearby Fairbanks agent signals support strong service, easy quote help, and dependable coverage guidance for drivers in the area.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Tammy Randolph, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Jennifer Lindsoe, agent, Allstate | Insurer | 4.8 | 4.7 | 4.8 | 89% |
| Matthew Raymond, agent, State Farm | Insurer | 4.8 | 4.7 | 4.8 | 88% |
| Jim Kelly, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Fairbanks Insurance Brokers | Broker | 4.6 | 4.6 | 4.7 | 86% |
| Dunlap Agency, Inc. | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Alaska USA Insurance Brokers | Broker | 4.5 | 4.5 | 4.6 | 85% |
| COUNTRY Financial | Insurer | 4.5 | 4.4 | 4.5 | 83% |
Knik-Fairview Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Knik-Fairview’s area are Integra Insurance Services, Edward Anderson, agent, Allstate and Glenn Marlin, agent, State Farm.
Integra Insurance Services (90% Recommend)
- Integra ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong Mat-Su Valley experience, multiple carrier options, and helpful comparison support for auto insurance shoppers.
Edward Anderson, agent, Allstate (89% Recommend)
- Edward Anderson ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to helpful answers, professional service, and dependable local support for drivers managing car insurance needs.
Glenn Marlin, agent, State Farm (88% Recommend)
- Glenn Marlin ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Edward Anderson on support and value.
- Customer feedback and local agent signals support clear quote help, practical coverage guidance, and strong service for Wasilla and Knik-Fairview-area drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Integra Insurance Services | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Edward Anderson, agent, Allstate | Insurer | 4.8 | 4.7 | 4.8 | 89% |
| Glenn Marlin, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| The Insurance Center | Agency | 4.7 | 4.6 | 4.8 | 88% |
| HUB International | Broker | 4.6 | 4.6 | 4.7 | 86% |
| Alaska USA Insurance Brokers | Broker | 4.6 | 4.5 | 4.6 | 85% |
| Progressive | Insurer | 4.6 | 4.4 | 4.3 | 82% |
| GEICO | Insurer | 4.6 | 4.4 | 4.3 | 82% |
College Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in College’s area are Matthew Raymond, agent, State Farm, Dunlap Agency, Inc. and Jim Kelly, agent, State Farm.
Matthew Raymond, agent, State Farm (91% Recommend)
- Matthew Raymond ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong service near the College/Fairbanks area, easy quote help, and dependable auto insurance guidance.
Dunlap Agency, Inc. (89% Recommend)
- Dunlap Agency ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Matthew Raymond on both support and value.
- Customer feedback and agency signals support knowledgeable local help, Alaska-specific coverage experience, and useful comparison guidance for drivers.
Jim Kelly, agent, State Farm (88% Recommend)
- Jim Kelly ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Dunlap Agency on support and staying close on ease.
- Customer feedback and local agent signals point to experienced Fairbanks-area service, clear auto insurance help, and practical coverage support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Matthew Raymond, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Dunlap Agency, Inc. | Agency | 4.7 | 4.7 | 4.8 | 89% |
| Jim Kelly, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Shannon Fortune, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Chris Marok, agent, Allstate | Insurer | 4.6 | 4.6 | 4.7 | 87% |
| HUB International | Broker | 4.6 | 4.5 | 4.7 | 86% |
| Global Credit Union Insurance Brokers | Broker | 4.5 | 4.5 | 4.6 | 85% |
| COUNTRY Financial | Insurer | 4.5 | 4.4 | 4.5 | 83% |
Wasilla Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Wasilla’s area are Integra Insurance Services, Edward Anderson, agent, Allstate and Glenn Marlin, agent, State Farm.
Integra Insurance Services (90% Recommend)
- Integra ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong Mat-Su Valley experience, helpful quote comparison, and useful support for Wasilla-area drivers.
Edward Anderson, agent, Allstate (89% Recommend)
- Edward Anderson ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to professional local service, helpful answers, and dependable support for drivers comparing or managing car insurance.
Glenn Marlin, agent, State Farm (88% Recommend)
- Glenn Marlin ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Edward Anderson on support and value.
- Customer feedback and local agent signals support clear quote help, practical coverage guidance, and strong service for Wasilla drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Integra Insurance Services | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Edward Anderson, agent, Allstate | Insurer | 4.8 | 4.7 | 4.8 | 89% |
| Glenn Marlin, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Allie Hewitt, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Mike Devine, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 87% |
| Kaitlyn McGilvray, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Global Credit Union Insurance Brokers | Broker | 4.5 | 4.5 | 4.6 | 85% |
| HUB International | Broker | 4.5 | 4.4 | 4.6 | 84% |
End Note
Following the law gets you insured, but serious crashes often go beyond minimum coverage.
Build your policy around real driving risks in Alaska, not just the numbers on the statute.