Cheapest Car Insurance Quotes in Elfin Cove

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Elfin Cove Car Insurance

^$ 26

/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 Elfin Cove

The car insurance rate in Elfin Cove is $873 for a six-month policy, which is $154 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $727, making it a popular choice for budget-conscious drivers. Rates in Elfin Cove 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 Elfin Cove

$873

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Elfin Cove

1st place: Progressive

At $727 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $773 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 $838 for six months, making it the third cheapest auto insurance company in Elfin Cove.

Elfin Cove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elfin Cove, AK is Progressive, offering policies at just $727 for a six-month term. This is followed by USAA, which has an average six-month premium of $773.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $632 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elfin Cove drivers find the best deals.

Cheap Car Insurance Companies in Elfin Cove, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$727	$122
USAA	$773	$130
State Farm	$838	$141
Umialik	$1000	$168
Allstate	$1272	$217
Western National	$632	$105

Key Takeaways

Way's key takeaways about car insurance in Elfin Cove

The auto insurance costs in Elfin Cove fall around $727 for six months.
The cheapest auto insurance company in Elfin Cove is USAA.
Teen drivers pay the highest rate in Elfin Cove at $80 per month.

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Cheapest Minimum Liability Car Insurance in Elfin Cove

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 Elfin Cove are given below.

USAA provides the cheapest minimum car insurance coverage in Elfin Cove. Their Average 6 Month Premium is $151. Western National is the most expensive at $222 for the same period.

Cheapest Liability Coverage in Elfin Cove, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$151	$26
Progressive	$222	$37
State Farm	$242	$41
Allstate	$252	$43
Umialik	$252	$43
Western National	$222	$37

Cheapest Full Coverage Car Insurance in Elfin Cove

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 Elfin Cove is Progressive at $122 per month and $727 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elfin Cove, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$727	$122
USAA	$773	$130
State Farm	$838	$141
Umialik	$1000	$168
Allstate	$1272	$217
Western National	$632	$105

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Average Car Insurance in Elfin Cove 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 Elfin Cove, AK increasing?

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

Car Insurance Premiums by Age in Elfin Cove

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	$523
30s	USAA	$395
40s	USAA	$366
50s	USAA	$344
60s	USAA	$357
70s	USAA	$438

Cheapest Car Insurance Rates for Teen Drivers in Elfin Cove,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Elfin Cove at $176 per month. At $469 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	$1046	$176
USAA	$1207	$201
Umialik	$1918	$326
Progressive	$1944	$327
Allstate	$2065	$351
Western National	$469	$80

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 Elfin Cove.

As young drivers face the highest rates in Elfin Cove, USAA offers the cheapest auto insurance rates at $523 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 Elfin Cove, Allstate is the cheapest car insurance provider. At $682 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 Elfin Cove is Western National, offering rates of around $500 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$682	$115
Progressive	$808	$136
Umialik	$823	$139
USAA	$924	$157
State Farm	$2161	$360
Western National	$500	$83

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Car Insurance Rates with An Accident in Elfin Cove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Elfin Cove

The cheapest car insurance companies after an at-fault accident in Elfin Cove include State Farm and Umialik, offering $424 and $450, respectively. Western National is an expensive provider with an average six-month premium of $222.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$424	$71
Umialik	$450	$76
USAA	$510	$86
Allstate	$793	$133
Progressive	$853	$144
Western National	$222	$37

Elfin Cove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elfin Cove AK. For example, the car insurance in Elfin Cove after a DUI increases to $430 for a six month policy. While the rate increases by $163 for a six-month policy in the case of a speeding ticket.

Elfin Cove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$888	$148
Not-at-fault accident	$893	$152
One comp claim	$893	$149
One Med/PIP claim	$893	$152
Two comp claims	$893	$149
Two Med/PIP claims	$893	$152
Failure to show documents	$969	$162
At-fault accident - less than $1000	$1000	$170
Failure to wear a seat belt	$1020	$170
Child safety restraint	$1030	$175
Driving without lights	$1030	$172
Cell phone violation	$1051	$179
Driving too slowly	$1051	$175
In 65 MPH zone	$1051	$179
Speeding 11 - 15 MPH over limit	$1051	$175
Speeding 16 - 20 MPH over limit	$1051	$179
Speeding 6 - 10 MPH over limit	$1051	$175
Speeding in school zone	$1051	$179
Texting while driving	$1051	$175
Driving with expired registration	$1065	$181
Failure to stop at a red light	$1065	$178
Failure to yield	$1065	$181
Following too closely	$1065	$178
Illegal turn	$1065	$181
Improper passing	$1065	$178
Wrong way/wrong lane	$1065	$181
Speeding 21 - 25 MPH over limit	$1085	$181
Passing school bus	$1096	$186
Operating a vehicle without permission	$1106	$184
Open container	$1192	$202
At-fault accident - $1000-$2000	$1212	$202
At-fault accident - greater than $2000	$1212	$206
Driving with a suspended license	$1262	$211
Refusal to submit to a chemical test	$1267	$216
Reckless driving	$1298	$216
DUI	$1318	$224
Racing	$1389	$231
Leaving scene of an accident/hit and run	$1393	$237

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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 Elfin Cove 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 Elfin Cove.

The cheapest car insurance premiums in Elfin Cove are offered by Umialik at $586 for a six-month policy. However, it can be as expensive as $222 with companies like Western National.

Elfin Cove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$586	$99
Progressive	$828	$139
State Farm	$1000	$168
USAA	$1080	$182
Allstate	$1470	$247
Western National	$222	$37

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 Elfin Cove are offered by Umialik at $460. However, it can be as expensive as $222 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Elfin Cove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$460	$77
State Farm	$596	$100
USAA	$632	$105
Allstate	$864	$147
Progressive	$869	$146
Western National	$222	$37

Car Insurance Price Trends in Elfin Cove, Alaska

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

The average cost of full coverage in the Elfin Cove rose by $156 in December compared to $151 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 Elfin Cove rose to $37 in December, compared to $35 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 Elfin Cove?

The car insurance in Elfin Cove is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Elfin Cove?

The cheapest car insurance in Elfin Cove is $122 per month for full coverage.

How much is car insurance in Elfin Cove for teenagers?

Car insurance for teenagers costs $1046 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 Elfin Cove?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $147 per month to insure your car in Elfin Cove.

Is car insurance expensive in Elfin Cove?

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

What is the best car insurance in Elfin Cove, AK?

The best car insurance company in Elfin Cove AK is Progressive, offering $727 for a six-month policy.