How much is car insurance in Alaska?
Car insurance in Alaska cost an average of $1,262 a year for full coverage in 2023 (NAIC), sitting 12% below the $1,439 national average and coming to about $1,500 a year in Alaska today (about $125 a month in August 2026 dollars). In Alaska, the law asks for at least 50/100/25 liability, while Alaska liability-only policies—the closest NAIC figure to minimum coverage—averaged $624 in 2023 (about $740 today).
Average car insurance cost in Alaska: 12% below the US average
Typical Alaska full-coverage price today
about $1,500 a year in Alaska (about $125 a month)
Alaska's 2023 NAIC full-coverage average ($1,262) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Alaska rate depends on your car, driving history, and coverage limits.
That $1,262 2023 full-coverage figure makes Alaska the 24th least expensive of the 50 states and DC (against $1,439 nationally), with 49% going to liability ($624, 25th highest in the US) and 51% covering physical damage to your own vehicle. Counting every insured car in Alaska—both full-coverage and liability-only policies—Alaska drivers spent $1,113 per vehicle on average in 2023 (25th lowest in the US, about $1,320 today), or 12% ($149) less than Alaska's full-coverage combined average.
Alaska compared with Washington
Alaska doesn't share a land border with another state, so the table compares Alaska ($1,262 in 2023) with Washington ($1,235): Alaska's typical price is 2% more than Washington's.
| State | 2023 average | Moving to Alaska from there |
|---|---|---|
| Alaska | $1,262 | Current state (Alaska) |
| Washington | $1,235 | About the same |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Illinois ($1,257 in 2023, about $1,490 today), Oregon ($1,268 in 2023, about $1,500 today), Alabama ($1,269 in 2023, about $1,500 today), and Pennsylvania ($1,273 in 2023, about $1,510 today).
Alaska: 50/100/25 minimums, with uninsured-motorist coverage unless rejected in writing
- Alaska liability (per person / per crash / property)
- $50,000 / $100,000 / $25,000
- Personal injury protection (PIP) in Alaska
- Not required
- Medical payments in Alaska
- Not required
- No-fault system in Alaska
- No
- Uninsured motorist in Alaska
- Included unless you decline in writing
- Underinsured motorist in Alaska
- Included unless you decline in writing
Set by AS 28.22.101(d), Alaska's 50/100/25 minimum pays up to $50,000 per person and $100,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Alaska, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Alaska—the closest NAIC figure to what an Alaska minimum policy costs—averaged $624 in 2023 (about $740 in Alaska today), the 25th highest of the 50 states and DC. That makes liability 49% of Alaska's full-coverage average ($1,262), while the remaining 51% goes toward collision and comprehensive coverage for your own car.
Alaska requires at least $50,000 per person and $100,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured-motorist coverage at those same amounts is included unless you waive it in writing.
Good to know: Some vehicles driven only in areas off the main road system are exempt, if the driver has no recent serious violations. The table describes the general rule.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- One coverage handles both uninsured and underinsured drivers, at the state minimums ($50,000/$100,000 for injuries and $25,000 for property damage). You can waive all or part of it in writing.
- History and recent checks
- 50/100/25 in current AS 28.22.101(d) and AS 28.20.440(b)(2); no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- AS 28.22.101(d)
(1) $50,000 because of bodily injury to or death of one person in one accident ... $100,000 ... (2) $25,000 because of injury to or destruction of property of others
- AS 28.22.011(a)
shall be insured under a motor vehicle liability policy that complies with this chapter or a certificate of self-insurance ... unless
- AS 28.22.101(e)
A motor vehicle liability policy must provide coverage ... in the amounts set out in (d) ... from the owner or operator of an uninsured or underinsured motor vehicle
- AS 21.96.020(e)
The coverage required under (c) and (d) of this section may be waived in writing by the insured in whole or in part.
- AS 28.22.101(d)
Adding a 16-year-old driver in Alaska: about $990 more a year
Adding a 16-year-old to a Alaska policy
about $990 more a year
About $85 a month (+66% over a typical Alaska adult policy of $1,500), bringing the combined Alaska family policy to roughly $1,850–$3,300 a year.
On a separate Alaska policy of their own with the same car, a 16-year-old in Alaska would pay about $4,290 a year (roughly $3,250–$6,100), so sharing a parent's Alaska policy saves about $3,300 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Alaska's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Alaska
In Alaska, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $880 more a year on an Alaska policy, versus about $1,490 more a year for the 2022 Tesla Model 3 at the top of Alaska's list.
| 2022 model | Added to a Alaska policy | Own Alaska policy |
|---|---|---|
| 2022 Subaru Forester | +$880 in Alaska | $3,830 in Alaska |
| 2022 Subaru Outback | +$880 in Alaska | $3,840 in Alaska |
| 2022 Subaru Crosstrek | +$890 in Alaska | $3,850 in Alaska |
| 2022 Honda CR-V | +$950 in Alaska | $4,120 in Alaska |
| 2022 Toyota RAV4 | +$960 in Alaska | $4,190 in Alaska |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Alaska
In Alaska, a 45-year-old with full coverage pays from about $1,430 a year for a 2024 Subaru Crosstrek to about $1,980 for a 2024 Nissan Sentra on these Alaska sample models.
| Car | 45-year-old in Alaska | Adding a teen in Alaska |
|---|---|---|
| 2024 Toyota Prius | about $1,670 a year | +$1,100 a year |
| 2024 Nissan Sentra | about $1,980 a year | +$1,310 a year |
| 2024 Volkswagen Jetta | about $1,810 a year | +$1,200 a year |
| 2024 Kia Soul | about $1,780 a year | +$1,180 a year |
| 2024 Subaru Crosstrek | about $1,430 a year | +$940 a year |
| 2024 Honda HR-V | about $1,650 a year | +$1,090 a year |
| 2024 Hyundai Kona | about $1,580 a year | +$1,040 a year |
| 2024 Toyota RAV4 | about $1,550 a year | +$1,020 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Alaska
- How much is car insurance in Alaska?
- In Alaska, full-coverage car insurance averaged $1,262 a year in 2023 (the 24th least expensive of the 50 states and DC per NAIC), or about $1,500 a year ($125 a month) in Alaska as of August 2026. Alaska liability-only coverage averaged $624 in 2023 (49% of Alaska's full-coverage figure, or about $740 today), and Alaska drivers spent $1,113 per insured car across all policies.
- What are the minimum car insurance limits in Alaska?
- Under AS 28.22.101(d), Alaska requires 50/100/25 liability: $50,000 per person and $100,000 per crash for bodily injury, plus $25,000 for property damage. 50/100/25 in current AS 28.22.101(d) and AS 28.20.440(b)(2); no 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Alaska?
- Adding a 16-year-old to a parent's full-coverage policy in Alaska adds about $990 more a year ($85 a month), bringing the Alaska household policy to roughly $1,850–$3,300 a year versus about $4,290 a year (roughly $3,250–$6,100) on a standalone Alaska teen policy.
- Is Alaska a no-fault car insurance state?
- No—Alaska is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Alaska does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Alaska: One coverage handles both uninsured and underinsured drivers, at the state minimums ($50,000/$100,000 for injuries and $25,000 for property damage). You can waive all or part of it in writing.
- How does Alaska's car insurance cost compare with Washington?
- Alaska averaged $1,262 for full coverage in 2023 (NAIC) against $1,235 in Washington (2% more than Washington), and moving a sample policy from Washington to Alaska today is about the same.
Sources for Alaska
- Alaska average premiums ($1,262 full coverage, $624 liability-only, $1,113 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Alaska minimum coverage statutes (AS 28.22.101(d); AS 28.22.011(a); AS 28.22.101(e); AS 21.96.020(e)), checked September 22, 2026. Page updated for Alaska. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.