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Accidents with animals are just one thing your insurance policy can cover in Alaska. Finding an insurance policy that can do everything you want at a price you can afford is important.
The average cost of Alaska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Anchorage, AK to find you the cheapest quotes in the area.
Here are the cheapest carriers in Anchorage for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $65/mo |
 Allstate | $78/mo |
 GEICO | $83/mo |
 American Family | $153/mo |
| Best Companies | Quotes | |
|---|---|---|
American Family | $166/mo |
The state of Alaska requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Alaska are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that Alaska state law requires are $50,000 for the injury or death of a single person involved in a car accident and $100,000 for the injury or death of multiple persons. Insurance providers list this coverage at 50/100, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $100,000 are your responsibility.
The minimum property damage liability insurance requirements in Alaska are:
Property damage liability coverage pays for any property that you damage in an accident. The state of Alaska requires $25,000 for the minimum. You’ll see the collective state minimum listed at 100/50/25. The 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
As the average car insurance rates in Anchorage demonstrate, younger drivers cost more to insure—even in the Last Frontier! Premiums for Anchorage teen drivers average out to $362, over four times as much as the average cost for drivers in their 50s. Since older drivers also tend to have more accidents than drivers in their prime, Anchorage drivers in their 60s and 70s pay higher premiums on average than younger motorists, with average rates of $103 and $153, respectively.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $363 |
| 20s | $202 |
| 30s | $147 |
| 40s | $152 |
| 50s | $89 |
| 60s | $103 |
| 70s | $154 |
| 80s | N/A |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $153 |
| Speeding Ticket | $183 |
| At-Fault Accident | $222 |
| Failure to Stop for Red Light / Stop Sign | $145 |
In Anchorage, smart drivers are safe drivers. And safe drivers get all the best rewards from insurance companies, including the “good driver” and “accident-free” discounts. If so, why do people with a failure-to-stop ticket pay less than those with no violations? Often, drivers with violations cut their policies to make them affordable and opt for liability only, skipping costlier comprehensive and collision coverage. An at-fault accident kicks up the price by over $60 per month. But drivers are not stuck paying more forever; three years of careful driving, and tickets and accidents stop affecting insurance rates.
Alaskans are a tad confused on just how credit changes their ability to drive. But the state’s insurance companies tell a different story, and the law says it’s perfectly okay for them to use credit as a rating factor for drivers. Generally, those with worse credit pay more for car insurance. Those with poor and average credit pay about the same. The biggest decrease goes from moving from average to excellent credit, translating to saving over $25 per month, or $300 per year.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $149 |
| Good | $167 |
| Average | $175 |
| Poor | $173 |
The Alaska Division of Motor Vehicles handles licensing and motor vehicle services in two ways: through its various statewide DMV locations and via a network of DMV Business Partners. While it’s nice to have options, the services that its different business partners handle can vary. Double-checking who does what online is a must. There are nine such partners in Anchorage and 11 partner locations. The Anchorage DMV office is at 3901 Old Seward Highway, Suite 101 (University Center).
People Mover is a division of the Municipality of Anchorage's Public Transportation Department (PTD) and is the largest public transit provider in the State of Alaska. Its buses take passengers to medical, leisure, and work destinations throughout Anchorage and beyond. Shared ride service for people with disabilities and the elderly is also available. Traditional taxis and bikeshare are also ways to get around in this town.
Harsh weather conditions and wildlife are just some of the hazards that drivers encounter on Alaska roads. While driving here does have its dangers, building an auto policy to stay financially safe is easy with Insurify. Icy, wet roads account for many of the accidents in Anchorage. It’s just something drivers have learned to get used to.
One thing you don’t have to put up with? Your same auto insurance policy. Insurify helps you discover the competition and find discounts that make auto policies more affordable. Use Insurify to compare dozens of insurance quotes in just seconds.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Anchorage stacks up for the state of Alaska:
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
Alaska is renowned for its grand mountains, lush forests, and picturesque glaciers. To reduce negative environmental impact in such a geographically diverse state, many green initiatives are beginning to take hold on local levels. Anchorage is currently eyeing a citywide plastic bag ban. In addition, the city of Juneau, whose electric sources are mostly hydroelectric, has demonstrated its commitment to have the most electric car charging stations per capita in the entire country. Since 2009, the travel agency Adventure Green Alaska has promoted sustainable eco-tourism programs in the state.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
