For a 40-year-old driver with a clean record, car insurance in Anchorage, Alaska, costs about $197 a month ($2,364 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the Alaska average of $187 a month. GEICO has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and State Farm) that are among insurers anyone can buy from, at about $160 a month.
Anchorage auto insurance costs about $10 a month more than the Alaska average for our benchmark driver, but of the 17 Alaska places in our city table, only Eagle River, Chugiak and Palmer cost more.
Our figures cover the 10 ZIP codes with an Anchorage mailing address that we price, from about $195 a month in 99516 and 99517 to $201 in 99504. JBER, Eagle River and Chugiak are inside the Municipality of Anchorage but have their own postal names, so they have their own rows in our city table; with them, the municipality’s 14 ZIP codes we price also average about $197 a month.
Cost data comes from the auto rates insurers file with state regulators, priced across all 10 Anchorage ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Car insurance in Anchorage, Alaska, costs about $197 a month ($2,364 a year) for full coverage, for our benchmark driver. Liability-only coverage at Alaska’s 50/100/25 minimum averages $804 a year ($67 a month), and 50/100/50 liability with comprehensive and collision averages $2,257 ($188 a month).
GEICO has the lowest full-coverage average among the insurers in our Anchorage rate data that are among insurers anyone can buy from. USAA averages even less, at $138 a month, but it sells only to military members, veterans and their families. The published 2026 statewide Alaska rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. Two put Progressive first and one State Farm. For liability-only coverage at 50/100/25 limits, averages among the four insurers anyone can buy from run from about $52 to $91 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Anchorage
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 50/100/25 (Yearly): | Minimum Liability 50/100/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $459 | $38 | $1,658 | $138 |
| GEICO | $627 | $52 | $1,922 | $160 |
| Progressive | $1,094 | $91 | $2,344 | $195 |
| State Farm | $927 | $77 | $2,519 | $210 |
| Allstate | $912 | $76 | $3,379 | $282 |
| Umialik Insurance* | $908 | $76 | $2,704 | $225 |
| Western National* | $860 | $72 | $3,743 | $312 |
| Anchorage average | $804 | $67 | $2,364 | $197 |
This table uses Anchorage ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 10 Anchorage ZIP codes we price, full coverage for our driver ranges from about $195 a month in 99516 and 99517 to $201 in 99504, a gap of $74 a year. GEICO, State Farm and Allstate charge the same full-coverage price in every Anchorage ZIP code we price, so the differences come from Progressive and USAA: Progressive averages about $212 a month in 99504, east of downtown, and $180 in 99516, southeast of downtown.
Lowest-priced Anchorage ZIP codes
Highest-priced Anchorage ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Anchorage’s average.
| ZIP Code: | Minimum Liability 50/100/25 (Yearly): | Minimum Liability 50/100/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 99501 | $806 | $67 | $2,367 | $197 | About average |
| 99502 | $791 | $66 | $2,361 | $197 | About average |
| 99503 | $808 | $67 | $2,360 | $197 | About average |
| 99504 | $831 | $69 | $2,408 | $201 | +2% |
| 99507 | $814 | $68 | $2,371 | $198 | +1% |
| 99508 | $806 | $67 | $2,375 | $198 | +1% |
| 99515 | $801 | $67 | $2,356 | $196 | -1% |
| 99516 | $772 | $64 | $2,334 | $195 | -1% |
| 99517 | $802 | $67 | $2,345 | $195 | -1% |
| 99518 | $806 | $67 | $2,367 | $197 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $107 a year on average in our Anchorage data, with the same $500 deductibles. That’s about $9 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Anchorage ZIP codes, full coverage averaged $2,351 a year nine months earlier and $2,364 in rates as of Aug. 31, 2026, a 0.6% increase. Allstate cut its Anchorage average 1.0%, while State Farm raised its average 2.8% and USAA 2.2%; GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 50/100/25 limits fell 2.7%, led by USAA, which cut its liability-only average 16.4%.
The Municipality of Anchorage, a unified city-borough, averages about $197 a month for full coverage, the most expensive of the nine Alaska boroughs and census areas we price. Within it, Eagle River ($201) and Chugiak ($200), to the northeast, cost a little more than Anchorage’s own ZIP codes, while the two JBER ZIP codes average $192, partly because Progressive charges less there.
Liability-only coverage costs more in Anchorage than anywhere else we price in Alaska: about $67 a month at the 50/100/25 minimum, the highest of the 17 places in our city table, against $56 statewide. The gap between insurers is wide too, from about $52 to $91 a month among insurers anyone can buy from. Where you keep your car is one of the things Alaska insurers price, so neighboring towns can cost different amounts.
More Alaska cities and towns are in the Alaska rates by city table, and you can compare states on our car insurance rates by state page.
Wasilla, about 30 miles northeast in the Matanuska-Susitna Borough, averages $190 a month, and Fairbanks, about 260 miles north, $189. Palmer, near Wasilla, averages $199. For the statewide picture, see our guide to Alaska car insurance rates.
Anchorage isn’t on the DMV’s list of remote communities exempt from Alaska’s insurance law, so every vehicle that must be registered there needs liability insurance. Here’s what Alaska law sets for a policy there:
Alaska doesn’t require personal injury protection. Medical payments, collision and comprehensive coverage are optional, according to the Alaska Division of Insurance, though a lender may require collision and comprehensive on a financed car. Proof of insurance must be with you whenever you drive, and your phone works for that. In the Municipality of Anchorage, your vehicle can be impounded if you don’t have proof of insurance, according to the DMV. Our Alaska requirements guide covers the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Alaska law and the Alaska Division of Insurance. We refresh these figures when new rate data is released.
Car insurance in Anchorage, Alaska, costs about $197 a month ($2,364 a year) for full coverage and about $67 a month for liability-only coverage at the 50/100/25 state minimum, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Alaska average of $187 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Anchorage rate data, at about $160 a month, followed by Progressive at $195. USAA, which sells only to military members, veterans and their families, has a lower average still ($138 a month). For liability-only coverage, averages among the four insurers anyone can buy from run from about $52 to $91 a month. Four of the seven published 2026 statewide Alaska rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA; two put Progressive first and one State Farm. Rates vary by driver, so compare quotes for your own car and ZIP code.
For our benchmark driver, full coverage in the two JBER ZIP codes we price, 99505 and 99506, averages about $192 a month ($2,305 a year), about $5 a month less than in Anchorage. JBER is inside the Municipality of Anchorage but has its own postal name, so it isn’t part of the Anchorage figures on this page. USAA, which sells only to military members, veterans and their families, averages about $139 a month there; we list it separately.
In our data, 99516 and 99517 share the lowest full-coverage average in Anchorage, at about $195 a month, and 99504 the highest, at about $201. The ZIP code table on this page lists all 10.
In our Anchorage data, full coverage (100/300/100 with $500 deductibles) averages about $197 a month and liability-only coverage at 50/100/25 limits about $67, a difference of about $130 a month ($1,560 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Alaska law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Anchorage must carry Alaska’s minimum liability coverage: $50,000 per person and $100,000 per crash for injuries you cause and $25,000 for property damage (50/100/25). Insurers must also offer uninsured and underinsured motorist coverage, and your policy includes it at your liability limits unless you reject it in writing. You must carry proof of insurance when you drive, and it can be on your phone.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Anchorage full coverage rose 0.6% over the past nine months, from about $2,351 to $2,364 a year. Allstate cut its Anchorage average 1.0%, while State Farm raised its average 2.8% and USAA 2.2%. Liability-only coverage at 50/100/25 limits fell 2.7%.
For our benchmark driver, full coverage in Anchorage averages about $197 a month. Nearby, Wasilla averages about $190 and Fairbanks about $189. Wasilla and Fairbanks are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
