How Much Does Car Insurance
Cost in Alaska?

The average Alaska driver pays about $198 per month for full coverage car insurance in 2026. State minimum coverage averages around $42 per month. Anchorage runs higher — typically around $212 per month for full coverage. Smaller cities like Ketchikan and Douglas tend to be cheaper at around $162-$165 per month. Remote borough residents often pay the most due to limited emergency services and longer response times.

USAA and GEICO consistently offer the lowest rates in Alaska. USAA is only available to military members, veterans, and their families — but Alaska has a large military population so many residents qualify. For the general public, GEICO offers full coverage averaging around $140 per month. Umialik Insurance is an Alaska-only regional carrier worth comparing for many profiles.

Alaska requires 50/100/25 liability coverage: $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage. This is significantly higher than most states, which typically require 25/50/25. Alaska is an at-fault state, meaning the driver who caused the accident is financially responsible. Alaska also requires insurers to offer uninsured and underinsured motorist coverage, though you can decline it in writing.

Umialik Insurance is an Alaska-only auto insurance company owned by Western National Insurance Group. They offer coverage exclusively to Alaska drivers and understand the state's unique conditions better than most national carriers. Umialik is frequently the cheapest option for Alaska drivers with a DUI and offers competitive rates for many clean-record profiles. Because they are not available on national comparison sites, many Alaska drivers overlook them — but they are worth getting a direct quote.

Yes — but only if you have comprehensive coverage. A collision with a moose or other animal is classified as a comprehensive claim, not a collision claim. Alaska has one of the highest rates of wildlife vehicle collisions in the country. A moose can weigh up to 1,500 pounds and a strike at highway speeds will often total a vehicle. If you only carry liability coverage, you pay for your own vehicle repairs out of pocket. Comprehensive is strongly recommended for Alaska drivers.

Alaska is an at-fault state. The driver who caused the accident is financially responsible for injuries and property damage. Their liability insurance pays for the other driver's costs. This is why Alaska's higher minimum limits matter — if you cause a serious accident and your limits are too low, you are personally responsible for the difference. The state minimum of 50/100/25 is a higher starting point than most states but can still be exceeded in a serious multi-person accident.

Remote Alaska boroughs have higher insurance rates because of limited emergency services, longer response times for accidents, higher tow and recovery costs, and the absence of nearby repair facilities. If your vehicle needs to be towed or repaired in a remote area, the costs are significantly higher than in Anchorage or Fairbanks. Insurance companies factor all of this into their rates. Drivers in remote boroughs should compare even more quotes than usual since carriers rate remote areas very differently from each other.