State profile · AK · CMS + NAIC
Alaska marketplace insurers denied 32.0% of claims (1st of 30 states); drivers average $1113/yr for auto cover, #27 nationally by cost.
The verdict
Marketplace insurers in Alaska deny 32.0% of claims - above the 20% national average, the 1st-highest of 30 states, and drivers pay an average $1113 a year for auto cover, less than the $1191 national average (the 27th-most-expensive of 51 states).
2 insurers reporting marketplace claims in Alaska
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Moda Health Plan, Inc. F | 204,058 | |
| 2 | Premera Blue Cross Blue Shield of Alaska D | 819,150 |
Among carriers with enough reported claims to compare, Alaska's highest marketplace denial rates in this dataset belong to Moda Health Plan, Inc. (47.0%) and Premera Blue Cross Blue Shield of Alaska (28.2%). A high rate often reflects utilization-review intensity and network design, not just claim legitimacy -- check the carrier's own profile before drawing conclusions.
The reported-claims sample is highly concentrated: the 2 largest insurers account for 100% of the 1,023,208 claims represented here. That makes the statewide rate especially sensitive to the mix and experience of a few reporting carriers. Only insurers with at least 1,000 claims in the CMS filing are included, so this is a description of the available dataset rather than the full insurance market.
2019: $991 average expenditure
$991 avg expenditure
2020: $967 average expenditure
$967 avg expenditure
2021: $976 average expenditure
$976 avg expenditure
2022: $1014 average expenditure
$1,014 avg expenditure
2023: $1113 average expenditure
$1,113 avg expenditure
What this shows Alaska drivers' average auto cost rose 12% between 2019 and 2023.
Year over year, Alaska's average auto expenditure rose 9.8% from 2022 to 2023, part of a 12% increase (+$122) since 2019. See the full 5-year state-by-state comparison.
Alaska auto rates in detail →Alaska: $1113/yr average auto expenditure (this state)
$1,113 avg expenditure
Washington: $1153/yr average auto expenditure
$1,153 avg expenditure
Virginia: $1114/yr average auto expenditure
$1,114 avg expenditure
Minnesota: $1103/yr average auto expenditure
$1,103 avg expenditure
Oklahoma: $1085/yr average auto expenditure
$1,085 avg expenditure
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Reporting-sample shape
The 2 largest reporting insurers represent 100% of the 1,023,208 claims in this page's CMS sample. That concentration means the statewide rate can be strongly affected by a few carriers and their plan mix.
Marketplace claims filing
Alaska's reporting insurers denied 32.0% of submitted marketplace claims, ranking 1st among the 30 states with a comparable federal filing. This is a carrier-reported claims measure, not a consumer-complaint rate or a prediction of how an individual claim will be resolved.
Auto-cost position
Alaska's 2023 average auto expenditure was $1113, 27th of 51 jurisdictions by cost and 6.5% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Alaska uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Alaska's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Alaska's closest peers in PlainInsurer's dataset are Virginia ($1114/yr) and Minnesota ($1103/yr) -- both within a few dollars of Alaska's own $1113/yr.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.