Alaska vs California Car Insurance

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

Quick Verdict

More Affordable

Alaska is $490/yr cheaper on average.

Fewer Uninsured

Alaska has a lower uninsured rate (10.2% vs 15.2%).

Rate & Coverage Comparison

Attribute	Alaska	California
Avg Annual Premium	$1,580	$2,070
Min Liability	$510	$680
Full Coverage	$1,580	$2,070
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.2%	15.2%
Registered Vehicles	601,060	32,421,159
Accidents/Year	9,015	486,317
Population	733,000	39,538,000

Minimum Coverage Requirements

Alaska

50/100 / 25 liability

California

15/30 / 5 liability

Premium Comparison

Alaska$510 – $1,580

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

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

AlaskaFull rates, age breakdown, requirements →CaliforniaFull 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 California?

Alaska has cheaper car insurance, with an average annual premium of $1,580 compared to $2,070 in California - a difference of $490 per year.

How do Alaska and California compare on fault systems?

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

What are the minimum insurance requirements in Alaska vs California?

Alaska requires 50/100 / 25 liability. California requires 15/30 / 5 liability. Minimum liability costs $510/yr in Alaska and $680/yr in California.

Which state has more uninsured drivers, Alaska or California?

California has a higher uninsured driver rate at 15.2%, compared to 10.2% in Alaska. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alaska vs California 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

California

Avg Annual Premium

$1,580

$2,070

Min Liability

$510

$680

Full Coverage

$1,580

$2,070

Fault System

At-Fault (Tort)

Uninsured Rate

10.2%

15.2%

Registered Vehicles

601,060

32,421,159

Accidents/Year

9,015

486,317

Population

733,000

39,538,000