Alaska vs Massachusetts Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $110/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 10.2%).

Rate & Coverage Comparison

Attribute	Alaska	Massachusetts
Avg Annual Premium	$1,580	$1,470
Min Liability	$510	$480
Full Coverage	$1,580	$1,470
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	10.2%	6.2%
Registered Vehicles	601,060	5,764,600
Accidents/Year	9,015	86,469
Population	733,000	7,030,000

Minimum Coverage Requirements

Alaska

50/100 / 25 liability

Massachusetts

20/40 / 5 liability

Premium Comparison

Alaska$510 – $1,580

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

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

AlaskaFull rates, age breakdown, requirements →MassachusettsFull rates, age breakdown, requirements →

📊

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 Massachusetts?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $1,580 in Alaska - a difference of $110 per year.

How do Alaska and Massachusetts compare on fault systems?

Alaska uses a at-fault (tort) system while Massachusetts 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 Massachusetts?

Alaska requires 50/100 / 25 liability. Massachusetts requires 20/40 / 5 liability. Minimum liability costs $510/yr in Alaska and $480/yr in Massachusetts.

Which state has more uninsured drivers, Alaska or Massachusetts?

Alaska has a higher uninsured driver rate at 10.2%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alaska vs Massachusetts 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Alaska

Massachusetts

Avg Annual Premium

$1,580

$1,470

Min Liability

$510

$480

Full Coverage

$1,580

$1,470

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

10.2%

6.2%

Registered Vehicles

601,060

5,764,600

Accidents/Year

9,015

86,469

Population

733,000

7,030,000