Alaska vs Arizona Car Insurance

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

Quick Verdict

More Affordable

Alaska is $290/yr cheaper on average.

Fewer Uninsured

Alaska has a lower uninsured rate (10.2% vs 11.8%).

Rate & Coverage Comparison

Attribute	Alaska	Arizona
Avg Annual Premium	$1,580	$1,870
Min Liability	$510	$620
Full Coverage	$1,580	$1,870
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.2%	11.8%
Registered Vehicles	601,060	5,968,780
Accidents/Year	9,015	89,531
Population	733,000	7,279,000

Minimum Coverage Requirements

Alaska

50/100 / 25 liability

Arizona

25/50 / 15 liability

Premium Comparison

Alaska$510 – $1,580

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

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

AlaskaFull rates, age breakdown, requirements →ArizonaFull 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, Alaska or Arizona?

Alaska has cheaper car insurance, with an average annual premium of $1,580 compared to $1,870 in Arizona - a difference of $290 per year.

How do Alaska and Arizona compare on fault systems?

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

What are the minimum insurance requirements in Alaska vs Arizona?

Alaska requires 50/100 / 25 liability. Arizona requires 25/50 / 15 liability. Minimum liability costs $510/yr in Alaska and $620/yr in Arizona.

Which state has more uninsured drivers, Alaska or Arizona?

Arizona has a higher uninsured driver rate at 11.8%, compared to 10.2% in Alaska. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alaska vs Arizona 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

Alaska

Arizona

Avg Annual Premium

$1,580

$1,870

Min Liability

$510

$620

Full Coverage

$1,580

$1,870

Fault System

At-Fault (Tort)

Uninsured Rate

10.2%

11.8%

Registered Vehicles

601,060

5,968,780

Accidents/Year

9,015

89,531

Population

733,000

7,279,000