Car Insurance in Alaska
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What Alaska drivers pay, the required legal minimum and who offers the lowest rates.
- $117.average monthly cost for full coverage.
- 50/100/25.Lowest liability limits.
- 26th of 51.Highest-cost state (1st = highest).
Car insurance rates in Alaska
Full coverage costs the average Alaska driver $1,399 each year, or about $117 each month. The average annual cost for legal minimum coverage alone is $680. The US average is $1,613 a year, so this cost is 13% lower.
| Coverage in Alaska | Per year | Per month |
|---|---|---|
| Liability | $680 | $57 |
| Collision | $515 | $43 |
| Comprehensive | $204 | $17 |
| Full coverage (all three) | $1,399 | $117 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Legal minimum for Alaska
Alaska requires liability limits of at least 50/100/25. Each person hurt has $50,000 in coverage, and one crash has $100,000 for everyone hurt. Damage to other people's property has $25,000 in coverage.
Under Alaska's at-fault rule, the driver responsible for a crash pays through their liability cover.
You don't have to buy uninsured motorist cover. In most states, though, insurers must offer it.
Source: Alaska DMV, Mandatory Insurance.
How many Alaska drivers lack insurance?
In 2023, about 12% of Alaska drivers had no car insurance, the 24th highest rate among the 51. If an uninsured driver hits you, this cover pays your bills.
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