Cheapest Car Insurance Quotes in Badger

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Badger Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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.

Table of Contents

How Much Is Car Insurance in Badger

The car insurance rate in Badger is $1130 for a six-month policy, which is $103 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $941, making it a popular choice for budget-conscious drivers. Rates in Badger 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.

Avg. Car Insurance in Badger

$1130

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Badger

1st place: Progressive

At $941 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1000 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $1085 for six months, making it the third cheapest auto insurance company in Badger.

Badger Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Badger, AK is Progressive, offering policies at just $941 for a six-month term. This is followed by USAA, which has an average six-month premium of $1000.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $817 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Badger drivers find the best deals.

Cheap Car Insurance Companies in Badger, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$941	$158
USAA	$1000	$168
State Farm	$1085	$183
Umialik	$1294	$218
Allstate	$1647	$281
Western National	$817	$136

Key Takeaways

Way's key takeaways about car insurance in Badger

The auto insurance costs in Badger fall around $941 for six months.
The cheapest auto insurance company in Badger is USAA.
Teen drivers pay the highest rate in Badger at $103 per month.

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Cheapest Minimum Liability Car Insurance in Badger

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 Badger are given below.

USAA provides the cheapest minimum car insurance coverage in Badger. Their Average 6 Month Premium is $196. Western National is the most expensive at $287 for the same period.

Cheapest Liability Coverage in Badger, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$196	$33
Progressive	$287	$48
State Farm	$314	$53
Allstate	$327	$55
Umialik	$327	$55
Western National	$287	$48

Cheapest Full Coverage Car Insurance in Badger

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 Badger is Progressive at $158 per month and $941 for six months.

Cheapest Full Coverage Car Insurance Quotes in Badger, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$941	$158
USAA	$1000	$168
State Farm	$1085	$183
Umialik	$1294	$218
Allstate	$1647	$281
Western National	$817	$136

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Average Car Insurance in Badger by Rating Factor

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.

I have a clean driving record. Why is my car insurance rate here in Badger, AK increasing?

Despite maintaining a clean driving record, your car insurance rates in Badger, 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, Badger's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Badger

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.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$677
30s	USAA	$512
40s	USAA	$473
50s	USAA	$446
60s	USAA	$462
70s	USAA	$567

Cheapest Car Insurance Rates for Teen Drivers in Badger,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Badger at $228 per month. At $607 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	$1353	$228
USAA	$1562	$261
Umialik	$2483	$422
Progressive	$2516	$424
Allstate	$2672	$454
Western National	$607	$103

Teen Car Insurance Rates in AK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Badger.

As young drivers face the highest rates in Badger, USAA offers the cheapest auto insurance rates at $677 for six months.

Car Insurance Rates by Credit Score & Driving History

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Badger, Allstate is the cheapest car insurance provider. At $882 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 Badger is Western National, offering rates of around $647 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$882	$149
Progressive	$1045	$176
Umialik	$1065	$179
USAA	$1196	$204
State Farm	$2796	$466
Western National	$647	$108

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Car Insurance Rates with An Accident in Badger

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 Badger, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Badger

The cheapest car insurance companies after an at-fault accident in Badger include State Farm and Umialik, offering $549 and $582, respectively. Western National is an expensive provider with an average six-month premium of $287.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$549	$92
Umialik	$582	$98
USAA	$660	$111
Allstate	$1026	$173
Progressive	$1104	$186
Western National	$287	$48

Badger Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Badger AK. For example, the car insurance in Badger after a DUI increases to $555 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

Badger auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1150	$191
Not-at-fault accident	$1156	$197
One comp claim	$1156	$193
One Med/PIP claim	$1156	$197
Two comp claims	$1156	$193
Two Med/PIP claims	$1156	$197
Failure to show documents	$1254	$209
At-fault accident - less than $1000	$1294	$220
Failure to wear a seat belt	$1320	$220
Child safety restraint	$1333	$227
Driving without lights	$1333	$222
Cell phone violation	$1360	$231
Driving too slowly	$1360	$227
In 65 MPH zone	$1360	$231
Speeding 11 - 15 MPH over limit	$1360	$227
Speeding 16 - 20 MPH over limit	$1360	$231
Speeding 6 - 10 MPH over limit	$1360	$227
Speeding in school zone	$1360	$231
Texting while driving	$1360	$227
Driving with expired registration	$1378	$234
Failure to stop at a red light	$1378	$230
Failure to yield	$1378	$234
Following too closely	$1378	$230
Illegal turn	$1378	$234
Improper passing	$1378	$230
Wrong way/wrong lane	$1378	$234
Speeding 21 - 25 MPH over limit	$1405	$234
Passing school bus	$1418	$241
Operating a vehicle without permission	$1431	$239
Open container	$1542	$262
At-fault accident - $1000-$2000	$1569	$262
At-fault accident - greater than $2000	$1569	$266
Driving with a suspended license	$1634	$273
Refusal to submit to a chemical test	$1640	$279
Reckless driving	$1680	$279
DUI	$1705	$290
Racing	$1797	$299
Leaving scene of an accident/hit and run	$1803	$307

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Way Tip

Avoid Having A DUI On Your Driving Record.

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.

Car Insurance Rates in Badger after a DUI

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 Badger.

The cheapest car insurance premiums in Badger are offered by Umialik at $758 for a six-month policy. However, it can be as expensive as $287 with companies like Western National.

Badger car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$758	$128
Progressive	$1071	$180
State Farm	$1294	$218
USAA	$1398	$235
Allstate	$1902	$320
Western National	$287	$48

Cheapest car insurance after a speeding ticket

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 Badger are offered by Umialik at $595. However, it can be as expensive as $287 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Badger after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$595	$100
State Farm	$771	$130
USAA	$817	$136
Allstate	$1118	$190
Progressive	$1124	$189
Western National	$287	$48

Car Insurance Price Trends in Badger, Alaska

Car insurance rates in Badger have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Badger rose by $201 in December compared to $196 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 Badger rose to $47 in December, compared to $45 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Badger?

The car insurance in Badger is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Badger?

The cheapest car insurance in Badger is $158 per month for full coverage.

How much is car insurance in Badger for teenagers?

Car insurance for teenagers costs $1353 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 Badger?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $190 per month to insure your car in Badger.

Is car insurance expensive in Badger?

Car insurance can be expensive in Badger if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Badger can be affordable.

What is the best car insurance in Badger, AK?

The best car insurance company in Badger AK is Progressive, offering $941 for a six-month policy.