Best and cheapest home insurance in Alaska for 2024

Average home insurance cost in Alaska

The average cost of homeowners insurance in Alaska is $1,708 a year or $142 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Alaska homeowners insurance companies to get the best deal.

Best home insurance companies in Alaska

The best home insurance company in Alaska is Country Financial, followed by State Farm and Allstate.

Below is a full list of the top Alaska insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

Graph

Table

Best home insurance companies in Alaska
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Country Financial	A+	0.26	4.14	$1,389
State Farm	A++	0.83	4.01	$1,764
Allstate	A+	1.46	2.49	$1,747

Data updated in 2024

Cheapest home insurance companies in Alaska

Below are Alaska home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Western National Mutual has the most affordable rates in every category by a considerable margin.

Cheapest home insurance rates in Alaska by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Western National Mutual	$1,027	$1,216	$1,507	$2,073	$3,285
Country Financial	$1,033	$1,389	$1,791	$2,662	$4,373
Allstate	$1,272	$1,747	$2,196	$3,039	$4,551
State Farm	$1,369	$1,764	$2,147	$2,988	$4,500
USAA*	$1,594	$1,946	$2,269	$2,897	$4,150

Data updated in 2024

*USAA is only available to military members and their families

Alaska home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Alaska to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Alaska Division of Insurance says...

An insurer may not cancel, deny, nonrenew, underwrite, or rate personal insurance coverage based in whole or in part on a variety of factors set forth in AS 21.36.460 including not having a credit history, being adversely affected by a joint account owner, or having a credit history or insurance score based on collection accounts identified with a medical history code.

- The Alaska Division of Insurance

The most expensive ZIP codes in Alaska for home insurance

The home insurance rate you pay depends a lot on where your property is located. It means that rates vary depending upon the ZIP code, with some areas having considerably higher rates than others for home insurance.

We have compared quotes from all the major home insurance companies in Alaska for nearly all the ZIP codes. Alaska homeowners insurance rates are the most expensive for ZIP code 99755. Its average annual cost is $3,094.

The most expensive ZIP codes in Alaska are in these cities: