Cheapest Car Insurance Quotes in Chena Ridge

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Chena Ridge 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 Chena Ridge

The car insurance rate in Chena Ridge is $1119 for a six-month policy, which is $92 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $932, making it a popular choice for budget-conscious drivers. Rates in Chena Ridge 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 Chena Ridge

$1119

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Chena Ridge

1st place: Progressive

At $932 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $991 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 $1075 for six months, making it the third cheapest auto insurance company in Chena Ridge.

Chena Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chena Ridge, AK is Progressive, offering policies at just $932 for a six-month term. This is followed by USAA, which has an average six-month premium of $991.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $810 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chena Ridge drivers find the best deals.

Cheap Car Insurance Companies in Chena Ridge, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$932	$157
USAA	$991	$167
State Farm	$1075	$181
Umialik	$1282	$216
Allstate	$1632	$278
Western National	$810	$135

Key Takeaways

Way's key takeaways about car insurance in Chena Ridge

The auto insurance costs in Chena Ridge fall around $932 for six months.
The cheapest auto insurance company in Chena Ridge is USAA.
Teen drivers pay the highest rate in Chena Ridge at $102 per month.

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Cheapest Minimum Liability Car Insurance in Chena Ridge

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 Chena Ridge are given below.

USAA provides the cheapest minimum car insurance coverage in Chena Ridge. Their Average 6 Month Premium is $194. Western National is the most expensive at $284 for the same period.

Cheapest Liability Coverage in Chena Ridge, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$194	$33
Progressive	$284	$48
State Farm	$311	$52
Allstate	$324	$55
Umialik	$324	$55
Western National	$284	$48

Cheapest Full Coverage Car Insurance in Chena Ridge

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 Chena Ridge is Progressive at $157 per month and $932 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chena Ridge, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$932	$157
USAA	$991	$167
State Farm	$1075	$181
Umialik	$1282	$216
Allstate	$1632	$278
Western National	$810	$135

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Average Car Insurance in Chena Ridge 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 Chena Ridge, AK increasing?

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

Car Insurance Premiums by Age in Chena Ridge

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	$670
30s	USAA	$507
40s	USAA	$469
50s	USAA	$441
60s	USAA	$458
70s	USAA	$561

Cheapest Car Insurance Rates for Teen Drivers in Chena Ridge,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Chena Ridge at $226 per month. At $602 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	$1341	$226
USAA	$1548	$258
Umialik	$2460	$419
Progressive	$2493	$420
Allstate	$2648	$450
Western National	$602	$102

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 Chena Ridge.

As young drivers face the highest rates in Chena Ridge, USAA offers the cheapest auto insurance rates at $670 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 Chena Ridge, Allstate is the cheapest car insurance provider. At $874 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 Chena Ridge is Western National, offering rates of around $641 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$874	$147
Progressive	$1036	$174
Umialik	$1055	$178
USAA	$1185	$202
State Farm	$2771	$462
Western National	$641	$107

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Car Insurance Rates with An Accident in Chena Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Chena Ridge

The cheapest car insurance companies after an at-fault accident in Chena Ridge include State Farm and Umialik, offering $544 and $577, respectively. Western National is an expensive provider with an average six-month premium of $284.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$544	$92
Umialik	$577	$97
USAA	$654	$110
Allstate	$1017	$171
Progressive	$1094	$184
Western National	$284	$48

Chena Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chena Ridge AK. For example, the car insurance in Chena Ridge after a DUI increases to $551 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Chena Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1139	$190
Not-at-fault accident	$1146	$195
One comp claim	$1146	$191
One Med/PIP claim	$1146	$195
Two comp claims	$1146	$191
Two Med/PIP claims	$1146	$195
Failure to show documents	$1243	$207
At-fault accident - less than $1000	$1282	$218
Failure to wear a seat belt	$1308	$218
Child safety restraint	$1321	$225
Driving without lights	$1321	$220
Cell phone violation	$1347	$229
Driving too slowly	$1347	$225
In 65 MPH zone	$1347	$229
Speeding 11 - 15 MPH over limit	$1347	$225
Speeding 16 - 20 MPH over limit	$1347	$229
Speeding 6 - 10 MPH over limit	$1347	$225
Speeding in school zone	$1347	$229
Texting while driving	$1347	$225
Driving with expired registration	$1366	$232
Failure to stop at a red light	$1366	$228
Failure to yield	$1366	$232
Following too closely	$1366	$228
Illegal turn	$1366	$232
Improper passing	$1366	$228
Wrong way/wrong lane	$1366	$232
Speeding 21 - 25 MPH over limit	$1392	$232
Passing school bus	$1405	$239
Operating a vehicle without permission	$1418	$237
Open container	$1528	$259
At-fault accident - $1000-$2000	$1554	$259
At-fault accident - greater than $2000	$1554	$264
Driving with a suspended license	$1619	$270
Refusal to submit to a chemical test	$1625	$277
Reckless driving	$1664	$277
DUI	$1690	$288
Racing	$1781	$296
Leaving scene of an accident/hit and run	$1787	$304

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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 Chena Ridge 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 Chena Ridge.

The cheapest car insurance premiums in Chena Ridge are offered by Umialik at $751 for a six-month policy. However, it can be as expensive as $284 with companies like Western National.

Chena Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$751	$126
Progressive	$1062	$179
State Farm	$1282	$216
USAA	$1385	$233
Allstate	$1885	$317
Western National	$284	$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 Chena Ridge are offered by Umialik at $590. However, it can be as expensive as $284 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Chena Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$590	$99
State Farm	$764	$129
USAA	$810	$135
Allstate	$1107	$189
Progressive	$1114	$187
Western National	$284	$48

Car Insurance Price Trends in Chena Ridge, Alaska

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

The average cost of full coverage in the Chena Ridge rose by $199 in December compared to $194 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 Chena Ridge 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 Chena Ridge?

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

What is the cheapest car insurance in Chena Ridge?

The cheapest car insurance in Chena Ridge is $157 per month for full coverage.

How much is car insurance in Chena Ridge for teenagers?

Car insurance for teenagers costs $1341 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 Chena Ridge?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $189 per month to insure your car in Chena Ridge.

Is car insurance expensive in Chena Ridge?

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

What is the best car insurance in Chena Ridge, AK?

The best car insurance company in Chena Ridge AK is Progressive, offering $932 for a six-month policy.