The best car insurance in Anchorage, AK

The average cost of full car insurance in Anchorage, Alaska is $1,601, which is substantially higher than the Alaska state average of $1,345. But drivers in Anchorage can save money on car insurance by comparing quotes from multiple companies before picking a policy.

Policygenius makes it easy to see what you’ll pay for coverage from top companies, so you can choose the policy that’s best for you.

Cheapest car insurance companies in Anchorage, AK

What you’ll pay for car insurance depends on lots of different factors, like your age, driving history, address, even your marital status. But rates can also vary from company to company, which is why it’s important to compare quotes before you buy a policy.

Cheapest car insurance rates by ZIP code in Anchorage, AK

Car insurance rates can vary widely within the same city, based on things like the number of accidents and claims in your area, as well as things like average repair costs and even the number of cars on the road.

ZIP code	Average cost
99501	$1,599
99502	$1,597
99503	$1,597
99504	$1,638
99507	$1,605
99508	$1,623
99513	$1,598
99515	$1,595
99516	$1,587
99517	$1,593
99518	$1,600
99529	$1,596
99530	$1,592
99599	$1,599

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Choosing the right car insurance company in Anchorage, AK

There’s no one right car insurance company for every driver, so the best way to find the right car insurance company for you is to compare quotes from multiple top companies and choose an option that gets you the coverage you need at an affordable rate. 

Policygenius makes it easy to see what you’ll pay for coverage from top car insurance companies, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Anchorage, AK

Any accidents or violations on your driving record will mean paying more for car insurance, but some infractions will cost you more than others. A DUI or an at-fault accident can increase your rates by hundreds of dollars a year.

Violation	USAA	GEICO	State Farm	Umialik	Allstate
At-fault accident	$1,443	$1,673	$1,500	$1,865	$3,357
DUI	$1,850	$1,934	$1,378	$1,865	$3,196
Suspended license	$1,797	$2,237	$1,378	$1,865	$3,196
Open container	$1,511	$1,934	$1,378	$1,865	$2,692
Expired registration	$1,294	$1,472	$1,378	$1,865	$2,692
Driving without lights	$1,135	$1,244	$1,378	$1,865	$2,692
Not showing documents	$1,294	$1,472	$1,378	$1,865	$2,692
Running a red light	$1,294	$1,244	$1,378	$1,865	$2,692
Failure to yield	$1,294	$1,244	$1,378	$1,865	$2,692
Following too closely	$1,294	$1,244	$1,378	$1,865	$2,692
Hit and run	$1,899	$2,076	$1,378	$1,865	$3,196
Illegal turn	$1,294	$1,244	$1,378	$1,865	$2,692
Improper passing	$1,294	$1,244	$1,378	$1,865	$2,692
Not-at-fault accident	$1,002	$1,218	$1,256	$1,865	$2,254
Passing a school bus	$1,511	$1,244	$1,378	$1,865	$2,692
Racing	$1,850	$2,237	$1,378	$1,865	$3,196
Reckless driving	$1,511	$2,237	$1,378	$1,865	$3,196
Speeding	$1,294	$2,237	$1,378	$1,865	$2,692

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Cheapest car insurance for drivers with bad credit in Anchorage, AK

A poor credit rating can increase your car insurance premiums, so Anchorage drivers with bad credit should take extra time to shop around before picking a policy.

Buying car insurance in Anchorage, AK

Alaska requires all drivers to meet the following minimum coverage levels for car insurance, although most drivers will require more coverage than the state mandated minimums.

• Bodily injury liability coverage per person: $50,000

• Bodily injury liability coverage per accident: $100,000

• Property damage liability coverage: $25,000

Alaska is an at fault state. This means that the insurance company of the driver found responsible for the accident will pay for the other party’s medical bills or repair costs.

How to get cheap car insurance in Anchorage, AK

• Know your needs. Understand what coverage you need and how much you can afford.

• Research discounts: Take advantage of savings for things like paying your annual premium in full, being a good student, or insuring multiple cars.

• Bundle your policies: Get your home and auto insurance from the same company and save on both policies.

• Shop around: That’s the best way to get a low price on car insurance

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.