Car Insurance in Alaska (2026)
Alaska has some of the highest minimum coverage requirements in the nation at 50/100/25, but average premiums remain moderate at around $1,681 per year. The state's extreme weather, limited road infrastructure, and wildlife collision risk are key rating factors. Alaska is a fault state, and drivers must carry proof of insurance at all times. Despite fewer carriers operating in the state, Alaskans can still find competitive rates by comparing quotes.
$1,681
$140/mo
50/100/25
BI per person/accident/PD
-27%
Below average
State Farm
Most popular in state
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Top Car Insurance Companies in Alaska
Alaska Minimum Coverage Requirements
Alaska requires minimum liability coverage of 50/100/25: $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage per accident.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Alaska
Alaska Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Alaska Department of Insurance and get personalized quotes from carriers.