Car Insurance in Anchorage

Anchorage premiums, which surpass Alaska's average by $131, are known for being expensive. Therefore in Anchorage, it is crucial to save while insuring a vehicle. Going over some tips below about how to save on Anchorage car insurance can save you money.

  • City Average: $1,283
  • State Average: $1,152
  • National Average: $1,427

Anchorage Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make your rates spike, you can not only save yourself money, but become a safer driver. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. No one plans on getting into an accident, but stuff happens, so be aware of how your rates can change after one. $712 is the amount by which you can expect your annual insurance premiums to rise in Anchorage if you have an at-fault accident on your driving record. In Anchorage, drivers with a DUI have rates that exceed the city average ($1,283) by $624. Reckless driving will push your rates up as well, with typical rates of $1,941, which are 51% higher than the city average!

  • DUI: $1,907
  • Reckless Driving: $1,941
  • At-fault Accident (damages less than $1000): $1,995
  • At-fault Accident (damages greater than $2000): $1,995
  • Speeding Ticket (16-20 mph over speed limit): $1,550

Anchorage Car Insurance by Gender and Marital Status

There are quite a few factors, including gender and marital status, that can play a part in car insurance premiums in Anchorage. Believe it or not, marital status has a substantial impact on premiums. You spend close to 10% more per year if you're single as opposed to married. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. Premiums are more costly for men, but barely. Men normally pay $4 more than women every year for insurance.

  • Female: $1,279
  • Male: $1,283
  • Single: $1,283
  • Married: $1,163
  • Divorced: $1,286
  • Widowed: $1,261

Anchorage Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly double. The biggest benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $258 per year.

  • Very Poor: $2,216
  • Fair: $1,877
  • Good: $1,585
  • Very Good: $1,327
  • Exceptional: $1,156
    • Anchorage Car Insurance by Age

      The biggest dip in premiums for Anchorage drivers happens when they hit their 20s. Once out of the teenage age range, they reduce their premiums by 63%. While insurance rates for drivers in Anchorage will continue to decline through their 50s, they should anticipate an increase when they turn 60. Teenage drivers have the biggest premiums of any age group, with typical car insurance payments of $5,024. Among all age groups, drivers in their 50s have the lowest insurance rates, with rates of $1,093/year.

      • Teenagers: $5,024
      • 20s: $1,843
      • 30s: $1,262
      • 40s: $1,210
      • 50s: $1,093
      • 60s: $1,162
      • 70s: $1,452

      What drives up car insurance rates in Anchorage?

      Where you live in Anchorage affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Anchorage is no exception to the rule. From zip code 99506 to 99504, premiums rise by 5 percent—that’s $58.

      Expensive Anchorage Zip Codes: 99529, 99508, 99518, 99517, 99504

      Cheap Anchorage Zip Codes: 99506, 99505, 99577, 99540, 99587

Anchorage Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Anchorage, you can expect 122 rainy days with an annual rainfall of 17 inches. Anchorage is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

122

Rainy Days a Year

17"

Avg. Annual Rainfall

76"

Avg. Annual Snowfall

Be Prepared For

Driving in Anchorage

Major Highways
AK 1 Glenn Highway Minnesota Drive Expressway
Public Transit
People Mover Bus AnchorRIDES

Car Insurance Companies in Anchorage

Find Local Anchorage Agents

NISSI Insurance

601 W. 36th Ave., Suite 14 Anchorage, AK 99503

J. C. Morris Agency, Inc.

4011 Arctic Blvd Ste 105 Anchorage, AK 99503

S & H, Inc. dba Associated Insurance Services

7125 Old Seward Hwy, Ste 203 Anchorage, AK 99518

Randall Moss Insurance,LLC

2960 C St, Ste 200 Anchorage, AK 99503

Alaska Commercial Insurance Brokers

500 E. Tudor Rd. Suite 203 Anchorage, AK 99503

Springen Insurance

931 Anchorage, AK 99515

Dewar Insurance Agency

205 E. Benson Blvd Suite 122 Anchorage, AK 99503

Alaska Commercial Insurance Brokers

500 E. Tudor Rd. Suite 203 Anchorage, AK 99503

Alaska USA Insurance Brokers, LLC

500 W 36th Ave Anchorage, AK 99503

ABI Professionals

255 E. Fireweed Lane Suite 107 Anchorage, AK 99503

Integrity Insurance Agency, Inc.

1505 W 34th Ave Anchorage, AK 99503

Conrad-Houston Insurance

507 W Northern Lights Blvd Anchorage, AK 99503

See All

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$1,220

The average Anchoragite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

195

That's equal to 195 cups of coffee or $488 in savings

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Anchorage Car Insurance

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