Average car insurance cost in Alaska (2026)
Drivers in Alaska pay an average of $97 a month for full coverage and $59 a month for liability only.
Note on Alaska data: Alaska is missing from the November 2026 source table, so we use its October 2026 figures ($97 full coverage, $59 liability only, per month).
Full coverage / month
$97
Liability only / month
$59
Full coverage / year
$1,164
Liability only / year
$708
Cost rank
#49 of 51
1 = most expensive. Liability-only rank: #46.
Averages are a starting point. Estimate your cost in Alaska
How Alaska compares
The full-coverage average of $97 is 44% below the average across states ($174), and the liability-only average of $59 is 40% below the average across states ($98). Alaska is one of the 10 least expensive places in our table. That is $204 a month below Maryland, the highest, and $12 above New Hampshire, the lowest.
Full coverage vs liability only in Alaska
Full coverage costs $38 more per month than liability only in Alaska, or $456 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Alaska by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Wyoming | $94 | $50 | -$3 |
| Idaho | $107 | $64 | +$10 |
| New Hampshire | $85 | $52 | -$12 |
| Iowa | $111 | $56 | +$14 |
| North Carolina | $113 | $69 | +$16 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Alaska averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $97 | $59 |
| Same driver, age 20-24 | $141 | $86 |
| Same driver, one ticket | $118 | $72 |
| Same driver, one at-fault accident | $138 | $84 |
| Same driver, sports car | $126 | $77 |
Frequently asked questions
How much does car insurance cost in Alaska?
The average in Alaska is $97 a month ($1,164 a year) for full coverage and $59 a month ($708 a year) for liability only, based on Insurify figures for October 2026. Your own price may be higher or lower.
Is car insurance in Alaska expensive compared with other states?
Alaska ranks 49th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 44% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Alaska?
On average, full coverage costs $38 more per month in Alaska, or $456 more per year. That is 64% more than the liability-only average.
How much could an at-fault accident change an estimate in Alaska?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Alaska rises from $97 to about $138 a month, or about $41 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, October 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.