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Finding the cheapest car insurance quotes in Chugiak shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Chugiak
The car insurance rate in Chugiak is $1257 for a six-month policy, which is $173 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $992, making it a popular choice for budget-conscious drivers. Rates in Chugiak 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 $992 for a six
month policy, Progressive offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1054 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 $1144
for six months, making it
the third cheapest auto insurance company in Chugiak.
Chugiak Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chugiak, AK is Progressive, offering policies at just $992 for a six-month term. This is followed by USAA, which has an average six-month premium of $1054.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1737 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chugiak drivers find the best deals.
Way's key takeaways about car insurance in Chugiak
The auto insurance costs in Chugiak fall around $992 for six
months.
The cheapest auto insurance company in Chugiak is USAA.
Teen drivers pay the highest rate in Chugiak at $706 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Chugiak
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 Chugiak are given below.
USAA provides
the cheapest minimum car insurance
coverage in Chugiak. Their Average 6 Month Premium is $220.
Allstate is the most
expensive at $379 for the same
period.
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 Chugiak is Progressive
at $167 per month and $992
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chugiak,
AK
Get Your Car Insurance Quote in Chugiak
Instantly!
Average Car Insurance in Chugiak 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 Chugiak, AK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chugiak, 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, Chugiak's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Chugiak
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
$708
30s
USAA
$535
40s
USAA
$494
50s
USAA
$466
60s
USAA
$484
70s
USAA
$593
Cheapest Car Insurance Rates for Teen Drivers in
Chugiak,AK
If you are planning to get a car insurance policy for your teenage
dependent, USAA provides the cheapest car
insurance in the Chugiak at $317
per
month. At $4155 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Chugiak.
As young drivers face the highest rates in Chugiak, USAA
offers the cheapest auto insurance rates at $708 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 Chugiak,
Progressive is
the cheapest car insurance provider. At $1020 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
Chugiak is State Farm, offering
rates of around $4624 for six
months.
Save up to $971/yr on car insurance rates in Chugiak.
Car Insurance Rates with An Accident in Chugiak
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 Chugiak, AK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chugiak
The cheapest car insurance companies after an at-fault accident in
Chugiak include Umialik
and State Farm, offering $682
and $751,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1688.
Here is a list of driving violations that can increase your car
insurance rates in Chugiak AK. For example, the car
insurance in Chugiak
after a DUI increases to $586 for a six
month policy. While the rate increases by $222 for a six-month policy in the case of
a speeding ticket.
Chugiak auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1212
$202
Not-at-fault accident
$1219
$208
One comp claim
$1219
$203
One Med/PIP claim
$1219
$208
Two comp claims
$1219
$203
Two Med/PIP claims
$1219
$208
Failure to show documents
$1322
$220
At-fault accident - less than $1000
$1364
$232
Failure to wear a seat belt
$1392
$232
Child safety restraint
$1406
$239
Driving without lights
$1406
$234
Cell phone violation
$1434
$244
Driving too slowly
$1434
$239
In 65 MPH zone
$1434
$244
Speeding 11 - 15 MPH over limit
$1434
$239
Speeding 16 - 20 MPH over limit
$1434
$244
Speeding 6 - 10 MPH over limit
$1434
$239
Speeding in school zone
$1434
$244
Texting while driving
$1434
$239
Driving with expired registration
$1453
$247
Failure to stop at a red light
$1453
$242
Failure to yield
$1453
$247
Following too closely
$1453
$242
Illegal turn
$1453
$247
Improper passing
$1453
$242
Wrong way/wrong lane
$1453
$247
Speeding 21 - 25 MPH over limit
$1481
$247
Passing school bus
$1495
$254
Operating a vehicle without permission
$1509
$252
Open container
$1626
$276
At-fault accident - $1000-$2000
$1654
$276
At-fault accident - greater than $2000
$1654
$281
Driving with a suspended license
$1723
$288
Refusal to submit to a chemical test
$1730
$295
Reckless driving
$1771
$295
DUI
$1798
$306
Racing
$1895
$316
Leaving scene of an accident/hit and run
$1901
$324
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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 Chugiak 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 Chugiak.
The cheapest car insurance premiums in
Chugiak are
offered by Umialik at $868 for a six-month policy.
However, it can be as
expensive as $2356 with companies
like Allstate.
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 Chugiak are offered by Umialik
at $731. However,
it can be as expensive as $1798
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Chugiak after Speeding ticket
Car insurance rates in Chugiak have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chugiak rose by
$229 in January
compared to $212 of December. In other words, there has been an increase by $17 when you
compare January and December.
The average cost of liability insurance in the Chugiak rose to $53 in January,
compared to $50 in December.
This represents an increase of $3
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chugiak. At $2514 for a
six-month policy, insuring
your car at 99567 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chugiak?
The car insurance in Chugiak is $37 per month, which is lower than the national average.
What is the cheapest car insurance in Chugiak?
The cheapest car insurance in Chugiak
is $167 per month
for full coverage.
How much is car insurance in Chugiak for teenagers?
Car insurance for teenagers costs $1861 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
Chugiak?
The average cost of car insurance is $1084 for a six-month
policy. It will cost around $212 per month to insure your
car in Chugiak.
Is car insurance expensive in Chugiak?
Car insurance can be expensive in Chugiak if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chugiak can be
affordable.
What is the best car insurance in Chugiak,
AK?
The best car insurance company in Chugiak
AK is
Progressive, offering $992 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chugiak, AK
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Chugiak Car Insurance
