- Alaska car insurance averages $2,052 per year for a full coverage policy, or around $171 on a monthly basis.
- When compared to West region states, Alaska ranks third out of 11 states for auto insurance affordability and ranks 12th for the entire U.S.
- The cheapest car insurance quotes in Alaska tend to be found on compact SUVs like the Nissan Kicks, Kia Soul, Hyundai Venue, and Honda CR-V.
- Average rates for popular 4-wheel drive and AWD models include the Subaru Forester at $1,826 per year, the Toyota Tacoma at $2,078 per year, and the Honda CR-V at $1,750 per year.
How much does car insurance cost in Alaska?
Car insurance for the average vehicle in Alaska costs $2,052 per year, or about $171 per month, which is 7.9% less than the U.S. average rate of $2,221.
Weather in Alaska is unpredictable, so 4-wheel drive and AWD vehicles are popular choices. Average car insurance rates for some of the more popular vehicles include:
- Toyota Tacoma – $2,078 per year ($173 per month)
- Toyota 4Runner – $2,198 per year ($183 per month)
- Toyota RAV4 – $1,894 per year ($158 per month)
- Subaru Forester – $1,826 per year ($152 per month)
- Subaru Crosstrek – $1,516 per year ($126 per month)
- Subaru Outback – $1,748 per year ($146 per month)
- Ford F-150 – $2,298 per year ($192 per month)
- Chevrolet Silverado – $2,268 per year ($189 per month)
- Ram 1500 – $2,374 per year ($198 per month)
- Honda CR-V – $1,750 per year ($146 per month)
The chart below shows average car insurance rates in Alaska for the 2024 model year. Annual cost is included for driver ages 20 through 60 and for three different physical damage deductible amounts ($250, $500 and $1,000).
Rates in the chart above range from $1,440 per year for a 60-year-old driver with $1,000 deductibles to $4,802 per year for a 20-year-old driver with much lower $250 deductibles. For the same data, the average cost of car insurance per month in Alaska ranges from $120 to $400.
Car insurance quotes for teenage drivers in Alaska are not shown in the chart, but plan on paying considerably more to insure a 16 to 19-year-old. Average rates range from $4,886 per year for a 19-year-old female driver up to $7,307 per year for a 16-year-old male driver.
How does Alaska car insurance compare to other states?
When compared to other northwestern states, Alaska car insurance rates are 14% less than Oregon, 10.5% less than Wyoming, 12.7% less than Montana, 3.9% more than Idaho, and 11.6% less than Washington.
The chart below shows how auto insurance cost in Alaska compares to the other ten West region states. Alaska ranks third overall for the region for average car insurance affordability.
Nationally, Alaska ranks 12th for overall cheapest average car insurance rates. The average cost of car insurance in Alaska is 11.9% more expensive than North Carolina, 32.3% cheaper than California, 14% cheaper than Oregon, 29.2% cheaper than Florida, and 12.6% cheaper than Arizona.
Which vehicles have cheap car insurance in Alaska?
Small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul tend to have the cheapest car insurance rates in Alaska. The Subaru Crosstrek ranks #1 overall, costing an average of $1,516 per year for full coverage insurance.
Other models that rank well for affordable car insurance in Alaska include the Nissan Kicks, Buick Envision, and Toyota Corolla Cross. For pickups, the cheapest model to insure in Alaska is the Chevrolet Colorado, costing an average of $1,806 per year and ranking in the top 20 overall.
The cheapest small, midsize, and full-size luxury car insurance can be found on the Acura Integra at $1,824 per year, the BMW 330i at $2,090 per year, and the Mercedes-Benz CLA250 at $2,112 per year.
Luxury SUVs cost slightly more to insure than their car counterparts, and the most affordable models to insure in Alaska are the Acura RDX at $1,716 per year, the Lexus NX 250 at $1,816 per year, and the Cadillac XT4 at $1,854 per year.
The table below takes every model from the 2024 model year and ranks the top 75 by average insurance cost to find the models that are most affordable.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Alaska Zip Codes. Updated June 26, 2025
Car insurance cost for popular Alaska vehicles
The chart below shows average car insurance quotes in Alaska for not only the ten vehicles we featured earlier in the article, but also an additional 15 models.
Out of these 25 vehicles, less than ten made the table of the 75 cheapest vehicles to insure shown above.
The table icon below the chart allows you to view both annual and monthly average car insurance rates for all 25 vehicles.
Alaska car insurance rates by city
Shown in the list below are average annual and monthly car insurance costs for some of the larger cities in the state of Alaska. Visit any page to view detailed rate information, including average cost by automotive segment, rates by driver risk profile, and the vehicles with the cheapest car insurance quotes in each city.
- Anchorage Car Insurance - $2,348 per year or $196 per month
- Fairbanks Car Insurance - $2,172 per year or $181 per month
- Juneau Car Insurance - $1,916 per year or $160 per month
- Sitka Car Insurance - $1,900 per year or $158 per month
- Ketchikan Car Insurance - $1,880 per year or $157 per month
- Wasilla Car Insurance - $2,158 per year or $180 per month
Additional insights into car insurance in Alaska
It’s challenging to write one article that includes enough data to properly illustrate how variable car insurance rates are without being overwhelming. The list below includes a few additional points that can impact the cost of insurance not only in Alaska, but any state.
- The higher deductible you choose, the lower the policy cost. Increasing the physical damage deductibles on your policy from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver. Just be sure you have financial resources available to cover the extra cost in case of a claim.
- Conversely, lowering deductibles makes car insurance more expensive. Lowering your comprehensive and collision deductibles from $500 to $250 could cost an additional $388 per year for a 40-year-old driver and $1,352 per year for a 20-year-old driver. Since lower deductibles mean less out-of-pocket expense with a claim, you’ll pay more for the policy.
- Alaska car insurance is cheaper for safe drivers. Too many at-fault accidents can cost more, as much as $990 per year for a 30-year-old driver and even $620 per year for a 50-year-old driver. Avoid accidents and you’ll save money.
- Younger drivers pay higher rates. The difference in average car insurance cost between a 50-year-old driver ($1,818 per year) and a 20-year-old driver ($4,128 per year) is $2,310, or a difference of 77.7%.
- Earn policy discounts to save money. Discounts may be available for things like driving a vehicle with safety or anti-theft features, insuring multiple vehicles on the same policy, being accident-free, being a military or federal employee, or many other discounts which could save the average driver $104 or more each year.
- Improve your credit for cheaper car insurance. Drivers who maintain a credit score over 800 could save up to $322 per year when compared to a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $373 more per year.