Cost of Car Insurance in Sitka, AK – 2025 Cheapest to Insure

• Sitka car insurance rates average $1,948 per year for full coverage, or around $162 per month.
• Sitka, Alaska, auto insurance averages $148 per year less than the Alaska state average rate ($2,096) and $328 per year less than the average rate for all 50 states ($2,276).
• Compact SUV models like the Chevrolet Trailblazer, Nissan Kicks, Mazda CX-5, and Ford Bronco Sport are the top picks for cheap car insurance in Sitka.
• A few vehicles with the lowest cost auto insurance in Sitka in their automotive segment include the Acura Integra, Honda Passport, Nissan Titan, and Mercedes-Benz CLA250.

How much does car insurance cost in Sitka?

Average auto insurance cost in Sitka is $1,948 per year, which is 15.5% less than the U.S. overall average rate of $2,276 per year. The average cost of car insurance per month in Sitka is $162 for full coverage.

The average cost of car insurance in Alaska is $2,096 per year, so Sitka drivers pay an average of $148 less per year than the overall Alaska state-wide average rate. When prices are compared to other larger cities in Alaska, the cost of auto insurance in Sitka is about $268 per year cheaper than in Fairbanks, $24 per year more expensive than in Ketchikan, and $444 per year cheaper than in Anchorage.

Driver age is one of the biggest determining factors on the price you pay for auto insurance. The list below illustrates this point by showing average car insurance rates in Sitka depending on driver age.

Sitka car insurance cost by driver age

• 16-year-old driver – $6,933 per year or $578 per month
• 17-year-old driver – $6,715 per year or $560 per month
• 18-year-old driver – $6,018 per year or $502 per month
• 19-year-old driver – $5,482 per year or $457 per month
• 20-year-old driver – $3,916 per year or $326 per month
• 30-year-old driver – $2,076 per year or $173 per month
• 40-year-old driver – $1,948 per year or $162 per month
• 50-year-old driver – $1,724 per year or $144 per month
• 60-year-old driver – $1,616 per year or $135 per month

The next chart summarizes car insurance cost in Sitka for different common policy situations. Rates are averaged for all Sitka Zip Codes and shown for a number of different driver ages, policy deductibles, and potential risk scenarios.

Average rates in the chart above range from $1,618 per year for a middle-aged driver who receives many policy discounts to $4,476 per year for a 20-year-old driver who has a subpar driving record and has to buy high risk car insurance. The rate we use for comparing different segments, models or locations is the 40-year-old safe driver rate, which has an average cost of $1,948 per year in Sitka.

As a monthly amount, the average cost to insure a car in Sitka ranges from $135 to $373 for the same driver ages and deductibles shown in the previous chart.

Car insurance rates can have wide price ranges and are impacted by a lot of factors. The potential for significant variability increases the need for multiple auto insurance quotes when shopping online for the cheapest policy.

The vehicle models that have high popularity in Sitka tend to be compact and midsize cars like the Hyundai Elantra and Honda Accord and compact or midsize SUVs like the Chevy Equinox and Toyota Highlander.

Other popular models from other segments include luxury SUVs like the BMW X5 and Acura MDX, luxury cars like the Lexus ES 350 and Tesla Model S, and pickup trucks like the Ford F-150 and Ram 1500.

We will cover more auto insurance rates in a little bit, but before we get into those numbers, let’s review in a nutshell some of the ideas that were discussed up to this point.

• Sitka auto insurance rates are cheaper than the Alaska state average – $1,948 (Sitka average) versus $2,096 (Alaska average)
• Car insurance for teens can be expensive – Rates can range from $4,633 to $6,933 per year to insure a teenager in Sitka.
• Car insurance is generally cheaper as you age – Insurance rates for a 40-year-old driver in Sitka are $1,968 per year cheaper than for a 20-year-old driver.
• Teen females pay lower rates than teenage males – Teenage female drivers age 16 to 19 pay $849 to $458 less per year than male drivers of the same age.
• Car insurance rates fall substantially from age 20 to 30 – The average 30-year-old Sitka, Alaska, driver will pay $1,840 less per year than a 20-year-old driver, $2,076 versus $3,916.
• Monthly car insurance cost ranges from $135 to $578 – That’s the average car insurance price range for drivers from age 16 to 60 in Sitka, Alaska.

In Sitka, which vehicles are cheapest to insure?

When comparing models from every automotive segment, the vehicles with the lowest cost average car insurance rates in Sitka tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Hyundai Venue, and Toyota Corolla Cross.

Average auto insurance prices for those compact SUVs cost $1,580 or less per year, or $132 per month, for a full coverage policy.

Additional models that have low-cost auto insurance quotes in the cost comparison table are the Toyota GR Corolla, Nissan Murano, Buick Envista, and Honda CR-V. Average rates are slightly more for those models than the cheapest small SUVs and crossovers at the top of the rankings, but they still have average rates of $1,690 or less per year ($141 per month) in Sitka.

The table below lists the top 30 cheapest vehicles to insure in Sitka, sorted by annual and monthly insurance cost.

The table above that contains 30 vehicle models with cheap Sitka car insurance doesn’t do a great job of providing an overall summary of Sitka car insurance cost. A better way to group and rank rates in an analytical manner is by breaking them out by segment.

This next section details the average price of car insurance in Sitka for each vehicle segment. The rates shown in the chart will provide a better idea of the automotive segments that have the overall cheapest rates. Then the six sections that follow the chart break out the most affordable rates for individual models for the most popular segments.

Sitka auto insurance rates by vehicle segment

If you’re shopping for a new vehicle, it’s important to have a basic understanding of which styles of vehicles are cheaper to insure.

As an example, some people wonder if SUVs are more affordable to insure than minivans or if luxury cars or SUVs are more expensive to insure than non-luxury models.

The chart below displays average car insurance rates in Sitka for different vehicle segments. In general, compact SUVs, vans, and midsize pickups tend to have the most affordable average rates, with luxury and performance models having the highest average insurance cost.

Rates by different vehicle segments are sufficient for comparing estimates, but cost varies quite a lot within each automotive segment shown above.

For example, in the midsize luxury car segment, auto insurance rates in Sitka range from the Mercedes-Benz CLA250 costing $2,002 per year for a full coverage policy to the BMW M8 at $3,278 per year, a difference of $1,276 within that segment.

In the sports car segment, insurance rates range from the Mazda MX-5 Miata at $1,800 per year up to the Mercedes-Benz SL 63 at $3,998 per year, a difference of $2,198 within that segment.

In the next sections of the article, we reduce this variability by comparing the cost of car insurance in Sitka for individual vehicles.

Cheapest cars to insure in Sitka

Ranking at the top of the list for the lowest-cost Sitka auto insurance rates in the non-luxury sedan or hatchback segment are the Subaru Impreza, Nissan Sentra, Nissan Leaf, Toyota GR Corolla, and Honda Civic. Auto insurance prices for these 2024 models average $149 or less per month.

Also ranking well in our comparison are cars like the Honda Accord, Kia K5, Toyota Prius, and Toyota Corolla, with an average cost to insure of $1,898 per year or less.

Ranked in the bottom half of the top 20 cheapest cars to insure, cars like the Kia Forte, Subaru Legacy, Volkswagen Arteon, Nissan Versa, and Hyundai Ioniq 6 cost between $1,898 and $2,014 per year for insurance.

From a cost per month standpoint, auto insurance on this segment in Sitka for a safe driver starts at around $141 per month, depending on where you live.

If vehicle size is considered, the cheapest compact car to insure in Sitka is the Toyota GR Corolla at $1,690 per year, or $141 per month. For midsize models, the Kia K5 is the cheapest model to insure at $1,874 per year, or $156 per month. And for full-size cars, the Chrysler 300 is cheapest to insure at $1,854 per year, or $155 per month.

The next table ranks the cars with the cheapest average insurance rates in Sitka, starting with the Toyota GR Corolla at $1,690 per year and ending with the Mazda 3 at $2,014 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Alaska.

Cheapest SUVs to insure in Sitka

The four cheapest non-luxury SUVs to insure in Sitka are the Subaru Crosstrek at $1,438 per year, Chevrolet Trailblazer at $1,464 per year, Kia Soul at $1,520 per year, and Nissan Kicks at $1,530 per year.

Other models that rank well in our comparison include the Ford Bronco Sport, Mazda CX-5, Buick Envision, and Hyundai Venue, with an average cost to insure of $1,594 per year or less.

Ranked between 10th and 20th place, models like the Buick Encore, Honda CR-V, Buick Envista, Volkswagen Taos, Kia Niro, and Honda HR-V cost between $1,594 and $1,692 per year for insurance in Sitka.

On a monthly basis, auto insurance in Sitka on this segment for a good driver starts at around $120 per month, depending on your company and location.

When SUV size is factored in, the most budget-friendly compact SUV to insure in Sitka is the Subaru Crosstrek at $1,438 per year, or $120 per month. For midsize models, the Honda Passport is the cheapest model to insure at $1,550 per year, or $129 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,828 per year, or $152 per month.

The next table ranks the SUVs with the most affordable car insurance in Sitka, starting with the Subaru Crosstrek at $1,438 per year and ending with the Subaru Ascent at $1,692 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Sitka car insurance quotes from top-rated auto insurance companies in Alaska.

Cheapest sports car insurance rates

The top-ranked model in Sitka for cheapest insurance in the sports car segment is the Mazda MX-5 Miata, at $1,800 per year. Second place is the Toyota GR86 at $2,052 per year, coming in third is the Ford Mustang, costing an average of $2,138 per year, and fourth place goes to the BMW Z4, at an average of $2,150 per year.

Not the cheapest to insure, but still ranked well, are models like the Lexus RC F, Nissan Z, Subaru BRZ, and Toyota GR Supra, with average annual insurance rates of $2,328 per year or less.

Car insurance for this segment in Sitka can cost as low as $150 per month, depending on the company. The next table ranks the sports cars with the cheapest average car insurance rates in Sitka, starting with the Mazda MX-5 Miata at $1,800 per year and ending with the Porsche Taycan at $3,298 per year.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Sitka.

Cheapest pickup trucks to insure

The top-ranked model in Sitka for cheapest insurance in the pickup segment is the Chevrolet Colorado, at $1,714 per year. Second place is the Nissan Titan at $1,820 per year, ranking third is the Nissan Frontier, costing an average of $1,840 per year, and coming in fourth is the Ford Ranger, costing an average of $1,860 per year.

Additional pickups that have affordable average insurance rates include the Toyota Tacoma, Hyundai Santa Cruz, GMC Canyon, and GMC Sierra 2500 HD, with average insurance cost of $2,002 per year or less.

Car insurance for this segment in Sitka for a good driver starts at an average of $143 per month, depending on where you live. The table below ranks the pickups with the most affordable auto insurance rates in Sitka, starting with the Chevrolet Colorado at $1,714 per year and ending with the Ram Truck at $2,250 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Alaska.

Cheapest luxury car insurance rates

The Acura Integra ranks at #1 for the cheapest luxury car model to insure in Sitka, followed by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model averages $1,730 per year to insure for full coverage.

Additional luxury cars that have good average insurance rates are the Genesis G70, Lexus ES 350, Mercedes-Benz AMG CLA35, and Lexus RC 300, with an average cost to insure of $2,046 per year or less.

Additional vehicles worth mentioning include the BMW 228i, Lexus ES 300h, Lexus IS 350, and Jaguar XF, which cost between $2,046 and $2,184 per year for full-coverage insurance.

Full-coverage insurance in this segment for a safe driver starts at an average of $144 per month, depending on the company and your location.

If rates are ranked based on vehicle size, the lowest-cost small luxury car to insure in Sitka is the Acura Integra at $1,730 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,002 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,314 per year.

The next table ranks the luxury cars with the most affordable average insurance rates in Sitka.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Alaska.

Cheapest luxury SUVs to insure

Ranking in the top five for the cheapest Sitka auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Cadillac XT4, Acura RDX, Cadillac XT5, and Lexus NX 250. Car insurance quotes for these vehicles average $1,836 or less per year.

Some other luxury SUVs that have cheaper rates include the Lexus NX 450h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lincoln Corsair, with average cost of $1,876 per year or less.

In the bottom half of the top 20, SUVs like the Infiniti QX60, Acura MDX, Mercedes-Benz GLA35 AMG, Land Rover Evoque, and Lexus NX 350 cost between $1,876 and $1,952 per year for full-coverage insurance in Sitka.

From a monthly standpoint, auto insurance rates in this segment starts at around $136 per month, depending on your location and insurance company.

The most affordable small luxury SUV to insure in Sitka is the Acura RDX at $1,628 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,818 per year. And for large luxury SUVs, the Infiniti QX80 has the best rates at $2,184 per year.

The rate comparison table below ranks the twenty luxury SUVs with the lowest-cost average car insurance rates in Sitka, starting with the Acura RDX at $1,628 per year and ending with the Lexus RX 350 at $1,952 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Sitka car insurance quotes from the best auto insurance companies in Alaska.

Variability and car insurance rates

To help illustrate the extent to which auto insurance premiums can range from one person to the next (and also point out the importance of getting plenty of price quotes), the examples below contain detailed auto insurance rates for three popular vehicles in Sitka: the Chevrolet Silverado, Toyota Corolla, and Toyota RAV4.

Each example uses a variety of different driver profiles to illustrate the possible cost variation when changes are made to the driver rated on the policy.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Sitka costs an average of $2,152 per year ($179 per month) and ranges from $1,784 to $4,996.

The Chevrolet Silverado is part of the full-size truck segment, and additional similar models from the same segment include the Ram Truck, Nissan Titan, and GMC Sierra.

Toyota Corolla insurance rates

Toyota Corolla insurance in Sitka averages $1,898 per year, or around $158 per month, and ranges from $1,574 to $4,344 annually.

The Toyota Corolla is considered a compact car, and other top-selling models from the same segment include the Nissan Sentra, Volkswagen Jetta, and Hyundai Elantra.

Toyota RAV4 insurance rates

Toyota RAV4 insurance in Sitka costs an average of $1,796 per year, or around $150 per month, and has a range of $1,492 to $4,130.

The Toyota RAV4 is part of the compact SUV segment, and other models popular in Sitka include the Honda CR-V, Nissan Rogue, Chevrolet Equinox, and Mazda CX-5.

Tips for saving money on Sitka auto insurance

Smart drivers are always searching for ways to reduce the monthly expense for insurance, so review the money-saving ideas below and it’s very possible you can save a few bucks on your next policy.

• Save by raising your deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Bring up your credit score to save money. Having an excellent credit score over 800 could save as much as $306 per year when compared to a good credit rating of 670-739. Conversely, a credit score lower than 579 could cost around $355 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• If your car is older, remove unneeded coverages. Deleting comprehensive and collision coverage from vehicles that are older can cut the cost of insurance significantly.
• Get cheaper rates by researching discounts. Discounted rates may be available if the insured drivers are military or federal employees, drive low annual mileage, choose electronic billing, insure their home and car with the same company, take a defensive driving course, or many other discounts which could save the average Sitka driver as much as $330 per year on their insurance cost.
• Buy vehicles with more affordable auto insurance rates. Vehicle performance is one of the primary factors in the price you pay for car insurance. As an example, a Volkswagen Atlas costs $1,914 less per year to insure in Sitka than a Acura NSX. Choose cheaper models and save money.
• Don’t be a negligent driver. Causing frequent accidents will increase insurance cost, potentially up to $2,778 per year for a 20-year-old driver and even as much as $474 per year for a 60-year-old driver. So be a cautious driver and save.
• Shop around often. Setting aside a few minutes every year or so to get some free car insurance quotes could save a pile of cash. Companies make rate modifications frequently and you can switch companies very easily.