Alaska vs Florida Car Insurance

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

Quick Verdict

More Affordable

Alaska is $920/yr cheaper on average.

Fewer Uninsured

Alaska has a lower uninsured rate (10.2% vs 20.4%).

Rate & Coverage Comparison

Attribute	Alaska	Florida
Avg Annual Premium	$1,580	$2,500
Min Liability	$510	$820
Full Coverage	$1,580	$2,500
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	10.2%	20.4%
Registered Vehicles	601,060	17,661,160
Accidents/Year	9,015	264,917
Population	733,000	21,538,000

Minimum Coverage Requirements

Alaska

50/100 / 25 liability

Florida

10/20 / 10 liability

Premium Comparison

Alaska$510 – $1,580

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

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

AlaskaFull rates, age breakdown, requirements →FloridaFull 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 Florida?

Alaska has cheaper car insurance, with an average annual premium of $1,580 compared to $2,500 in Florida - a difference of $920 per year.

How do Alaska and Florida compare on fault systems?

Alaska uses a at-fault (tort) system while Florida uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Alaska vs Florida?

Alaska requires 50/100 / 25 liability. Florida requires 10/20 / 10 liability. Minimum liability costs $510/yr in Alaska and $820/yr in Florida.

Which state has more uninsured drivers, Alaska or Florida?

Florida has a higher uninsured driver rate at 20.4%, compared to 10.2% in Alaska. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alaska vs Florida 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

Florida

Avg Annual Premium

$1,580

$2,500

Min Liability

$510

$820

Full Coverage

$1,580

$2,500

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

10.2%

20.4%

Registered Vehicles

601,060

17,661,160

Accidents/Year

9,015

264,917

Population

733,000

21,538,000