Renters Insurance Cost in Alaska (2026 Average)
Alaska renters paid about $114 a year on average in the NAIC 2021 baseline, about $56 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Alaska renters insurance costs
Alaska renters paid about $114 a year on average in the NAIC 2021 baseline, about $56 less than the $170 US average.
Weather exposure is a major driver here: extreme cold and remote locations make any claim more expensive to handle.
Claim frequency and litigation also matter: claim frequency is low because few renters policies are written.
Replacement costs and carrier competition round out the picture: shipping and labor costs push replacement values up, and fewer carriers write coverage in the state, which limits price pressure.
How Alaska compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Alaska | $114 | −$56 |
| United States (national average) | $170 | baseline |
| Washington | $134 | −$36 |
| Oregon | $119 | −$51 |
| Idaho | $103 | −$67 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.