Alabama vs Alaska Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Alaska is $310/yr cheaper on average.

Fewer Uninsured

Alaska has a lower uninsured rate (10.2% vs 18.0%).

Rate & Coverage Comparison

Attribute	Alabama	Alaska
Avg Annual Premium	$1,890	$1,580
Min Liability	$620	$510
Full Coverage	$1,890	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	18.0%	10.2%
Registered Vehicles	4,119,679	601,060
Accidents/Year	61,795	9,015
Population	5,024,000	733,000

Minimum Coverage Requirements

Alabama

25/50 / 25 liability

Alaska

50/100 / 25 liability

Premium Comparison

Alabama$620 – $1,890

Liability: $620Avg: $1,890Full: $1,890

Alaska$510 – $1,580

Liability: $510Avg: $1,580Full: $1,580

AlabamaFull rates, age breakdown, requirements →AlaskaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alabama or Alaska?

Alaska has cheaper car insurance, with an average annual premium of $1,580 compared to $1,890 in Alabama - a difference of $310 per year.

How do Alabama and Alaska compare on fault systems?

Alabama uses a at-fault (tort) system while Alaska uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alabama vs Alaska?

Alabama requires 25/50 / 25 liability. Alaska requires 50/100 / 25 liability. Minimum liability costs $620/yr in Alabama and $510/yr in Alaska.

Which state has more uninsured drivers, Alabama or Alaska?

Alabama has a higher uninsured driver rate at 18.0%, compared to 10.2% in Alaska. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alabama vs Alaska insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Alabama

Alaska

Avg Annual Premium

$1,890

$1,580

Min Liability

$620

$510

Full Coverage

$1,890

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

18.0%

10.2%

Registered Vehicles

4,119,679

601,060

Accidents/Year

61,795

9,015

Population

5,024,000

733,000