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Atka Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Atka is $1017 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $846, making it a popular choice for budget-conscious drivers. Rates in Atka can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $846 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $900 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $976 for six months, making it the third cheapest auto insurance company in Atka.
Based on our research, the cheapest car insurance company in Atka, AK is Progressive, offering policies at just $846 for a six-month term. This is followed by USAA, which has an average six-month premium of $900.
At the higher end of the spectrum, Western National is the most expensive, with rates reaching $736 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atka drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $846 | $143 |
| USAA | $900 | $151 |
| State Farm | $976 | $164 |
| Umialik | $1164 | $196 |
| Allstate | $1482 | $252 |
| Western National | $736 | $123 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Atka are given below.
USAA provides the cheapest minimum car insurance coverage in Atka. Their Average 6 Month Premium is $176. Western National is the most expensive at $258 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $176 | $30 |
| Progressive | $258 | $44 |
| State Farm | $282 | $48 |
| Allstate | $294 | $50 |
| Umialik | $294 | $50 |
| Western National | $258 | $44 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Atka is Progressive at $143 per month and $846 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $846 | $143 |
| USAA | $900 | $151 |
| State Farm | $976 | $164 |
| Umialik | $1164 | $196 |
| Allstate | $1482 | $252 |
| Western National | $736 | $123 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Atka, Alaska, may be increasing due to several external factors. Alaska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Atka's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $609 |
| 30s | USAA | $460 |
| 40s | USAA | $426 |
| 50s | USAA | $401 |
| 60s | USAA | $416 |
| 70s | USAA | $510 |
If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Atka at $205 per month. At $546 for a six-month premium, Western National offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $1218 | $205 |
| USAA | $1406 | $235 |
| Umialik | $2234 | $380 |
| Progressive | $2264 | $381 |
| Allstate | $2405 | $409 |
| Western National | $546 | $93 |
Teen Car Insurance Rates in AK by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Atka, Allstate is the cheapest car insurance provider. At $794 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Atka is Western National, offering rates of around $582 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $794 | $134 |
| Progressive | $941 | $158 |
| Umialik | $958 | $161 |
| USAA | $1076 | $183 |
| State Farm | $2517 | $420 |
| Western National | $582 | $97 |
Save up to $971/yr on car insurance rates in Atka.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Atka, AK, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Atka include State Farm and Umialik, offering $494 and $524, respectively. Western National is an expensive provider with an average six-month premium of $258.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $494 | $83 |
| Umialik | $524 | $88 |
| USAA | $594 | $100 |
| Allstate | $924 | $155 |
| Progressive | $994 | $167 |
| Western National | $258 | $44 |
Here is a list of driving violations that can increase your car insurance rates in Atka AK. For example, the car insurance in Atka after a DUI increases to $500 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1035 | $172 |
| Not-at-fault accident | $1040 | $177 |
| One comp claim | $1040 | $173 |
| One Med/PIP claim | $1040 | $177 |
| Two comp claims | $1040 | $173 |
| Two Med/PIP claims | $1040 | $177 |
| Failure to show documents | $1129 | $188 |
| At-fault accident - less than $1000 | $1164 | $198 |
| Failure to wear a seat belt | $1188 | $198 |
| Child safety restraint | $1200 | $204 |
| Driving without lights | $1200 | $200 |
| Cell phone violation | $1224 | $208 |
| Driving too slowly | $1224 | $204 |
| In 65 MPH zone | $1224 | $208 |
| Speeding 11 - 15 MPH over limit | $1224 | $204 |
| Speeding 16 - 20 MPH over limit | $1224 | $208 |
| Speeding 6 - 10 MPH over limit | $1224 | $204 |
| Speeding in school zone | $1224 | $208 |
| Texting while driving | $1224 | $204 |
| Driving with expired registration | $1240 | $211 |
| Failure to stop at a red light | $1240 | $207 |
| Failure to yield | $1240 | $211 |
| Following too closely | $1240 | $207 |
| Illegal turn | $1240 | $211 |
| Improper passing | $1240 | $207 |
| Wrong way/wrong lane | $1240 | $211 |
| Speeding 21 - 25 MPH over limit | $1264 | $211 |
| Passing school bus | $1276 | $217 |
| Operating a vehicle without permission | $1288 | $215 |
| Open container | $1388 | $236 |
| At-fault accident - $1000-$2000 | $1412 | $236 |
| At-fault accident - greater than $2000 | $1412 | $240 |
| Driving with a suspended license | $1470 | $246 |
| Refusal to submit to a chemical test | $1476 | $251 |
| Reckless driving | $1512 | $251 |
| DUI | $1535 | $261 |
| Racing | $1618 | $269 |
| Leaving scene of an accident/hit and run | $1623 | $276 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Atka.
The cheapest car insurance premiums in Atka are offered by Umialik at $682 for a six-month policy. However, it can be as expensive as $258 with companies like Western National.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Umialik | $682 | $115 |
| Progressive | $964 | $162 |
| State Farm | $1164 | $196 |
| USAA | $1258 | $212 |
| Allstate | $1712 | $288 |
| Western National | $258 | $44 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Atka are offered by Umialik at $536. However, it can be as expensive as $258 with companies like Western National for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Umialik | $536 | $90 |
| State Farm | $694 | $117 |
| USAA | $736 | $123 |
| Allstate | $1006 | $171 |
| Progressive | $1012 | $170 |
| Western National | $258 | $44 |
Car insurance rates in Atka have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Atka rose by $181 in December compared to $176 of November. In other words, there has been an increase by $5 when you compare December and November.
The average cost of liability insurance in the Atka rose to $43 in December, compared to $41 in November. This represents an increase of $2 when comparing December and November.
How much is car insurance in Atka?
The car insurance in Atka is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Atka?
The cheapest car insurance in Atka is $143 per month for full coverage.
How much is car insurance in Atka for teenagers?
Car insurance for teenagers costs $1218 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Atka?
The average cost of car insurance is $1027 for a six-month policy. It will cost around $171 per month to insure your car in Atka.
Is car insurance expensive in Atka?
Car insurance can be expensive in Atka if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Atka can be affordable.
What is the best car insurance in Atka, AK?
The best car insurance company in Atka AK is Progressive, offering $846 for a six-month policy.
Cut auto insurance costs in Atka right now.