Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Alaska Average homeowners insurance cost in Alaska Homeowners insurance in Alaska costs $1,695 per year or $141 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Alaska homeowners insurance costs $1,695 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Alaska. Key Takeaways Homeowners insurance costs an average of $1,695 a year, based on Insure.com analysis.Of all the ZIP codes in Alaska, 99824 has the most affordable home insurance rates at around $1,208 annually.In Alaska, Western National Insurance provides the most affordable home insurance at an average annual premium of $1,201. Average home insurance cost in Alaska by coverage levelIn Alaska, the annual homeowners insurance cost is $1,695, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,051 in Alaska, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Alaska based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,342 $112 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,355 $113 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,695 $141 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,708 $142 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,051 $171 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,064 $172 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,765 $230 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,779 $232 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,149 $346 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,166 $347 In Alaska, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in AlaskaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Alaska based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Western National Insurance received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreWestern National Insurance$1,201A0.135Country Financial$1,369A+0.264.59Allstate$1,712A+0.93.02State Farm$1,745A++0.952.97Average homeowners insurance cost by company in AlaskaWestern National Insurance has the cheapest homeowners insurance rates in Alaska. Its average annual cost for Alaska homeowners is $1,201. Country Financial and Allstate also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Alaska with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateWestern National Insurance$1,201$100Country Financial$1,369$114Allstate$1,712$143State Farm$1,745$145USAA$1,946$162Alaska homeowners insurance rates by ZIP codeIn Alaska, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Alaska. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in AlaskaHome insurance costs vary across different areas in Alaska. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 99824 ZIP code has the lowest home insurance rates in Alaska, at $1,208 annually or $101 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Alaska.ZIP codeAverage annual rateAverage monthly rate99824$1,208$10199821$1,223$10299835$1,235$10399833$1,246$10499820$1,267$10699516$1,271$10699615$1,272$10699801$1,278$10799840$1,284$10799826$1,295$108Most expensive ZIP codes for home insurance rates in AlaskaYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Alaska, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Alaska, 99755 has the highest homeowners insurance rates, at $3,081 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Alaska for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate99755$3,081$25799754$3,048$25499753$3,045$25499681$2,906$24299789$2,852$23899720$2,806$23499768$2,686$22499746$2,656$22199671$2,621$21899739$2,558$213Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Alaska by cityAnchorageFairbanksJuneauSitkaWasillaHome insurance rate trend in AlaskaWe analyzed home insurance rate trends in Alaska and found that homeowners insurance rates experienced an overall decrease of 9% or $172, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,461$1,867$1,695To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Alaska.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Alaska Average renters insurance cost in Alaska Average car insurance cost in Alaska Non-owner auto insurance in Alaska How much is home insurance in other statesAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? 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