Anchorage, AK Auto Insurance (2024)
The average Anchorage, AK auto insurance rates are $257 per month. The minimum auto insurance in Anchorage is at least 50/100/25 in coverage to comply with Alaska auto insurance laws. To find the best cheap auto insurance in Anchorage, Alaska, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Anchorage, Alaska is 50/100/25
- The average commute length in Anchorage is 18.9 minutes
- The most expensive auto insurance company in Anchorage for teen drivers is Progressive
Anchorage, Alaska auto insurance requirements are 50/100/25 according to Alaska auto insurance laws. Finding cheap car insurance in Anchorage can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Anchorage, Alaska, including driving record, credit, commute time, and more.
Compare insurance in Anchorage to other Alaska cities, including Ketchikan auto insurance rates, Sitka auto insurance rates, and Kenai rates to see how Anchorage, Alaska auto insurance policy rates stack up.
Before you buy Anchorage, Alaska car insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Anchorage, Alaska auto insurance quotes.
Minimum Auto Insurance in Anchorage, Alaska
Alaska insurance laws require that you have at least the Alaska minimum vehicle insurance to be financially responsible in the event of an accident. Take a look at the required coverage in Anchorage, Alaska.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $50,000 per person $100,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Anchorage, Alaska Insurance by Age, Gender, and Marital Status
Car insurance rates in Anchorage, Alaska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,435 | $2,435 | $2,329 | $2,329 | $5,706 | $7,397 | $2,731 | $2,984 |
| Geico | $2,255 | $2,184 | $2,122 | $2,019 | $5,039 | $6,425 | $2,231 | $2,388 |
| Progressive | $2,103 | $1,834 | $1,772 | $1,811 | $7,643 | $8,455 | $2,349 | $2,283 |
| State Farm | $1,703 | $1,703 | $1,528 | $1,528 | $5,392 | $7,032 | $2,020 | $2,050 |
| USAA | $1,391 | $1,384 | $1,308 | $1,298 | $4,534 | $4,985 | $1,990 | $2,103 |
Cheap Anchorage, Alaska Car Insurance for Teen Drivers
Finding cheap teen car insurance in Anchorage, Alaska is a challenge. Take a look at the annual teen driver rates in Anchorage, Alaska.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,706 | $7,397 |
| Geico | $5,039 | $6,425 |
| Progressive | $7,643 | $8,455 |
| State Farm | $5,392 | $7,032 |
| USAA | $4,534 | $4,985 |
Cheap Anchorage, Alaska Car Insurance for Seniors
What are senior rates in Anchorage, Alaska? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,329 | $2,329 |
| Geico | $2,122 | $2,019 |
| Progressive | $1,772 | $1,811 |
| State Farm | $1,528 | $1,528 |
| USAA | $1,308 | $1,298 |
Cheap Anchorage, Alaska Insurance By Driving Record
Driving record has a big impact on your insurance rates. See the annual rates for a bad record in Anchorage, Alaska compared to the annual rates with a clean driving record in Anchorage, Alaska.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,814 | $4,002 | $3,992 | $3,365 |
| Geico | $2,206 | $3,258 | $4,620 | $2,246 |
| Progressive | $3,153 | $4,069 | $3,352 | $3,552 |
| State Farm | $2,606 | $3,133 | $2,869 | $2,869 |
| USAA | $1,868 | $2,406 | $3,104 | $2,119 |
Cheap Anchorage, Alaska Car Insurance Rates After a DUI
Finding cheap insurance after a DUI in Anchorage, Alaska is not easy. Compare the annual rates for DUI car insurance in Anchorage, Alaska to find the best deal.
| Insurance Company | Annual Rates With a DUI |
|---|---|
| Allstate | $3,992 |
| Geico | $4,620 |
| Progressive | $3,352 |
| State Farm | $2,869 |
| USAA | $3,104 |
Cheap Anchorage, Alaska Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Anchorage, Alaska annual rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,186 | $3,339 | $3,105 |
| Geico | $3,502 | $3,046 | $2,700 |
| Progressive | $3,848 | $3,452 | $3,293 |
| State Farm | $3,982 | $2,563 | $2,063 |
| USAA | $3,224 | $2,120 | $1,778 |
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Cheap Anchorage, Alaska Rates By ZIP Code
Insurance rates by ZIP code in Anchorage, Alaska can vary. Compare the annual cost of insurance by ZIP code in Anchorage, Alaska to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 99501 | $3,074 |
| 99502 | $3,086 |
| 99503 | $3,075 |
| 99504 | $3,133 |
| 99507 | $3,083 |
| 99508 | $3,101 |
| 99513 | $3,074 |
| 99515 | $3,072 |
| 99516 | $3,056 |
| 99517 | $3,069 |
| 99518 | $3,080 |
| 99529 | $3,074 |
| 99530 | $3,069 |
| 99599 | $3,075 |
Cheap Anchorage, Alaska Insurance Rates By Commute
Commute length and annual mileage affect Anchorage, Alaska car insurance. Find the cheapest annual Anchorage, Alaska car insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,468 | $3,618 |
| Geico | $3,043 | $3,123 |
| Progressive | $3,531 | $3,531 |
| State Farm | $2,789 | $2,950 |
| USAA | $2,329 | $2,419 |
Cheap Anchorage, Alaska Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Anchorage, Alaska? Check out the comparison of annual Anchorage, Alaska auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,451 | $3,453 | $3,726 |
| Geico | $3,012 | $3,029 | $3,207 |
| Progressive | $3,429 | $3,437 | $3,728 |
| State Farm | $2,761 | $2,821 | $3,027 |
| USAA | $2,327 | $2,346 | $2,449 |
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Best By Category: Cheapest Auto Insurance in Anchorage, Alaska
Compare the cheapest auto insurance companies in Anchorage, Alaska in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Anchorage, Alaska Auto Insurance Companies
What auto insurance companies in Anchorage, Alaska are the cheapest? Compare the top Anchorage, Alaska auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,543 |
| Geico | $3,083 |
| Progressive | $3,531 |
| State Farm | $2,869 |
| USAA | $2,374 |
What affects auto insurance rates in Anchorage, Alaska?
There are a lot of reasons why auto insurance rates in Anchorage, Alaska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Anchorage, Alaska. Many local factors may affect your Anchorage auto insurance rates.
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Anchorage Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Anchorage, Alaska commute length is 18.9 minutes according to City-Data.
Compare Anchorage, Alaska Auto Insurance Quotes
Before you buy Anchorage, Alaska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Anchorage, Alaska auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance policy that provides financial protection against losses and damages resulting from car accidents, theft, or other covered incidents. It typically covers liability, property damage, and medical expenses, depending on the policy.
Is auto insurance mandatory in Anchorage, AK?
Yes, auto insurance is mandatory in Anchorage, AK, as it is in most states. Alaska law requires all drivers to carry liability insurance with minimum coverage limits. Failure to comply with this requirement can result in penalties and legal consequences.
What are the minimum auto insurance requirements in Anchorage, AK?
In Anchorage, AK, the minimum auto insurance requirements are as follows:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Are there any additional auto insurance coverages I should consider?
While meeting the minimum requirements is mandatory, it is advisable to consider additional coverages to provide better protection. Some common optional coverages include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance
How are auto insurance premiums determined in Anchorage, AK?
Auto insurance premiums are determined based on various factors, including but not limited to:
- Driver’s age, gender, and marital status
- Driving record and history of accidents or violations
- Type of vehicle and its age, make, and model
- Coverage limits and deductible chosen
- Location (Anchorage, AK) and where the vehicle is parked
- Annual mileage and usage patterns
Can my auto insurance policy cover rental cars in Anchorage?
It depends on your specific policy. Some auto insurance policies extend coverage to rental cars, while others may not. It is essential to review your policy or consult with your insurance provider to determine if rental car coverage is included or if you need to purchase additional coverage.
What should I do in the event of a car accident in Anchorage, AK?
In the event of a car accident in Anchorage, AK, follow these steps:
- Check for injuries and call emergency services if necessary.
- Exchange information with the other party involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and gathering witness statements if possible.
- Report the accident to the police and your insurance company.
- Seek medical attention if needed.
- Cooperate with the insurance company’s investigation and provide accurate information.
How can I find affordable auto insurance in Anchorage, AK?
To find affordable auto insurance in Anchorage, AK, consider the following:
- Compare quotes from multiple insurance companies to get the best rates.
- Maintain a good driving record and avoid accidents or violations.
- Opt for higher deductibles, which can lower your premiums.
- Inquire about available discounts, such as safe driver discounts or bundling discounts with other policies.
- Ask your insurance provider about any specific programs or initiatives that could help lower your rates.
Can my auto insurance policy be canceled in Anchorage, AK?
Yes, an auto insurance policy can be canceled in Anchorage, AK, subject to certain conditions. Insurance companies may cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a high number of accidents or violations. It’s important to adhere to the terms and conditions of your policy and pay your premiums on time to avoid cancellation.
How can I file an auto insurance claim in Anchorage, AK?
To file an auto insurance claim in Anchorage, AK, follow these general steps:
- Contact your insurance provider as soon as possible after the incident.
- Provide accurate details about the accident or incident, including date, time, location, and description.
- Follow any instructions given by your insurance company regarding documentation, repair estimates, or medical reports.
- Cooperate with the claims adjuster during the investigation.
- Keep records of all communication and documentation related to the claim.
- Review the settlement offer and negotiate if necessary.
- Once an agreement is reached, complete any required paperwork and receive the claim settlement.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.