Cheapest Car Insurance Quotes in Chalkyitsik

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Chalkyitsik 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 Chalkyitsik

The car insurance rate in Chalkyitsik is $1106 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $872, making it a popular choice for budget-conscious drivers. Rates in Chalkyitsik 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 Chalkyitsik

$1106

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Chalkyitsik

1st place: Progressive

At $872 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $927 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 $1006 for six months, making it the third cheapest auto insurance company in Chalkyitsik.

Chalkyitsik Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chalkyitsik, AK is Progressive, offering policies at just $872 for a six-month term. This is followed by USAA, which has an average six-month premium of $927.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1527 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chalkyitsik drivers find the best deals.

Cheap Car Insurance Companies in Chalkyitsik, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$872	$147
USAA	$927	$156
State Farm	$1006	$169
Umialik	$1200	$202
Allstate	$1527	$260

Key Takeaways

Way's key takeaways about car insurance in Chalkyitsik

The auto insurance costs in Chalkyitsik fall around $872 for six months.
The cheapest auto insurance company in Chalkyitsik is USAA.
Teen drivers pay the highest rate in Chalkyitsik at $621 per month.

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Cheapest Minimum Liability Car Insurance in Chalkyitsik

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 Chalkyitsik are given below.

USAA provides the cheapest minimum car insurance coverage in Chalkyitsik. Their Average 6 Month Premium is $194. Allstate is the most expensive at $334 for the same period.

Cheapest Liability Coverage in Chalkyitsik, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$194	$33
Progressive	$285	$48
State Farm	$321	$54
Umialik	$321	$54
Allstate	$334	$56

Cheapest Full Coverage Car Insurance in Chalkyitsik

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 Chalkyitsik is Progressive at $147 per month and $872 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chalkyitsik, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$872	$147
USAA	$927	$156
State Farm	$1006	$169
Umialik	$1200	$202
Allstate	$1527	$260

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Average Car Insurance in Chalkyitsik 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 Chalkyitsik, AK increasing?

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

Car Insurance Premiums by Age in Chalkyitsik

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	$622
30s	USAA	$470
40s	USAA	$435
50s	USAA	$410
60s	USAA	$425
70s	USAA	$521

Cheapest Car Insurance Rates for Teen Drivers in Chalkyitsik,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Chalkyitsik at $278 per month. At $3654 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1636	$278
Progressive	$1654	$278
State Farm	$1884	$317
Umialik	$2696	$450
Allstate	$3654	$621

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 Chalkyitsik.

As young drivers face the highest rates in Chalkyitsik, USAA offers the cheapest auto insurance rates at $622 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 Chalkyitsik, Progressive is the cheapest car insurance provider. At $897 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 Chalkyitsik is State Farm, offering rates of around $4066 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$897	$151
Allstate	$1115	$188
Umialik	$1127	$190
USAA	$1242	$211
State Farm	$4066	$677

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Car Insurance Rates with An Accident in Chalkyitsik

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

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

The cheapest car insurance companies after an at-fault accident in Chalkyitsik include Umialik and State Farm, offering $600 and $660, respectively. Allstate is an expensive provider with an average six-month premium of $1484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$600	$101
State Farm	$660	$111
USAA	$666	$112
Progressive	$969	$163
Allstate	$1484	$250

Chalkyitsik Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chalkyitsik AK. For example, the car insurance in Chalkyitsik after a DUI increases to $515 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Chalkyitsik auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1066	$177
Not-at-fault accident	$1072	$183
One comp claim	$1072	$179
One Med/PIP claim	$1072	$183
Two comp claims	$1072	$179
Two Med/PIP claims	$1072	$183
Failure to show documents	$1163	$194
At-fault accident - less than $1000	$1200	$204
Failure to wear a seat belt	$1224	$204
Child safety restraint	$1236	$210
Driving without lights	$1236	$206
Cell phone violation	$1261	$214
Driving too slowly	$1261	$210
In 65 MPH zone	$1261	$214
Speeding 11 - 15 MPH over limit	$1261	$210
Speeding 16 - 20 MPH over limit	$1261	$214
Speeding 6 - 10 MPH over limit	$1261	$210
Speeding in school zone	$1261	$214
Texting while driving	$1261	$210
Driving with expired registration	$1278	$217
Failure to stop at a red light	$1278	$213
Failure to yield	$1278	$217
Following too closely	$1278	$213
Illegal turn	$1278	$217
Improper passing	$1278	$213
Wrong way/wrong lane	$1278	$217
Speeding 21 - 25 MPH over limit	$1303	$217
Passing school bus	$1315	$223
Operating a vehicle without permission	$1327	$221
Open container	$1430	$243
At-fault accident - $1000-$2000	$1455	$243
At-fault accident - greater than $2000	$1455	$247
Driving with a suspended license	$1515	$253
Refusal to submit to a chemical test	$1521	$259
Reckless driving	$1558	$259
DUI	$1581	$269
Racing	$1667	$277
Leaving scene of an accident/hit and run	$1672	$285

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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 Chalkyitsik 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 Chalkyitsik.

The cheapest car insurance premiums in Chalkyitsik are offered by Umialik at $763 for a six-month policy. However, it can be as expensive as $2072 with companies like Allstate.

Chalkyitsik car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$763	$129
Progressive	$969	$163
USAA	$1369	$231
State Farm	$1478	$249
Allstate	$2072	$349

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 Chalkyitsik are offered by Umialik at $643. However, it can be as expensive as $1581 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chalkyitsik after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$643	$108
USAA	$890	$151
State Farm	$975	$164
Progressive	$1042	$175
Allstate	$1581	$263

Car Insurance Price Trends in Chalkyitsik, Alaska

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

The average cost of full coverage in the Chalkyitsik rose by $201 in January compared to $187 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Chalkyitsik rose to $47 in January, compared to $44 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Chalkyitsik?

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

What is the cheapest car insurance in Chalkyitsik?

The cheapest car insurance in Chalkyitsik is $147 per month for full coverage.

How much is car insurance in Chalkyitsik for teenagers?

Car insurance for teenagers costs $1636 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 Chalkyitsik?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $187 per month to insure your car in Chalkyitsik.

Is car insurance expensive in Chalkyitsik?

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

What is the best car insurance in Chalkyitsik, AK?

The best car insurance company in Chalkyitsik AK is Progressive, offering $872 for a six-month policy.