Alaska vs Montana Car Insurance

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

Quick Verdict

More Affordable

Alaska is $100/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 10.2%).

Rate & Coverage Comparison

Attribute	Alaska	Montana
Avg Annual Premium	$1,580	$1,680
Min Liability	$510	$550
Full Coverage	$1,580	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.2%	7.5%
Registered Vehicles	601,060	889,700
Accidents/Year	9,015	13,345
Population	733,000	1,085,000

Minimum Coverage Requirements

Alaska

50/100 / 25 liability

Montana

25/50 / 20 liability

Premium Comparison

Alaska$510 – $1,580

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

Montana$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

AlaskaFull rates, age breakdown, requirements →MontanaFull 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 Montana?

Alaska has cheaper car insurance, with an average annual premium of $1,580 compared to $1,680 in Montana - a difference of $100 per year.

How do Alaska and Montana compare on fault systems?

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

What are the minimum insurance requirements in Alaska vs Montana?

Alaska requires 50/100 / 25 liability. Montana requires 25/50 / 20 liability. Minimum liability costs $510/yr in Alaska and $550/yr in Montana.

Which state has more uninsured drivers, Alaska or Montana?

Alaska has a higher uninsured driver rate at 10.2%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alaska vs Montana 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

Montana

Avg Annual Premium

$1,580

$1,680

Min Liability

$510

$550

Full Coverage

$1,580

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

10.2%

7.5%

Registered Vehicles

601,060

889,700

Accidents/Year

9,015

13,345

Population

733,000

1,085,000