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Finding the cheapest car insurance quotes in Fort Wainwright 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 Fort Wainwright
The car insurance rate in Fort Wainwright is $1140 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $949, making it a popular choice for budget-conscious drivers. Rates in Fort Wainwright 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.
Cheapest Car Insurance Companies in Fort Wainwright
1st place: Progressive
At $949 for a six
month policy, Progressive offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1009 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 $1094
for six months, making it
the third cheapest auto insurance company in Fort Wainwright.
Fort Wainwright Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fort Wainwright, AK is Progressive, offering policies at just $949 for a six-month term. This is followed by USAA, which has an average six-month premium of $1009.
At the higher end of the spectrum, Western National is the most expensive, with rates reaching $825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Wainwright drivers find the best deals.
Cheap Car Insurance Companies in Fort Wainwright, AK
Way's key takeaways about car insurance in Fort Wainwright
The auto insurance costs in Fort Wainwright fall around $949 for six
months.
The cheapest auto insurance company in Fort Wainwright is USAA.
Teen drivers pay the highest rate in Fort Wainwright at $104 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 Fort Wainwright
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 Fort Wainwright are given below.
USAA provides
the cheapest minimum car insurance
coverage in Fort Wainwright. Their Average 6 Month Premium is $198.
Western National is the most
expensive at $290 for the same
period.
Cheapest Liability Coverage in Fort Wainwright, AK
Cheapest Full Coverage Car Insurance in Fort Wainwright
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 Fort Wainwright is Progressive
at $160 per month and $949
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fort Wainwright,
AK
Get Your Car Insurance Quote in Fort Wainwright
Instantly!
Average Car Insurance in Fort Wainwright 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 Fort Wainwright, AK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fort Wainwright, 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, Fort Wainwright's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fort Wainwright
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
$683
30s
USAA
$516
40s
USAA
$477
50s
USAA
$450
60s
USAA
$466
70s
USAA
$572
Cheapest Car Insurance Rates for Teen Drivers in
Fort Wainwright,AK
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Fort Wainwright at $230
per
month. At $613 for a six-month premium,
Western National offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Fort Wainwright.
As young drivers face the highest rates in Fort Wainwright, USAA
offers the cheapest auto insurance rates at $683 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 Fort Wainwright,
Allstate is
the cheapest car insurance provider. At $890 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
Fort Wainwright is Western National, offering
rates of around $653 for six
months.
Save up to $971/yr on car insurance rates in Fort Wainwright.
Car Insurance Rates with An Accident in Fort Wainwright
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 Fort Wainwright, AK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fort Wainwright
The cheapest car insurance companies after an at-fault accident in
Fort Wainwright include State Farm
and Umialik, offering $554
and $587,
respectively. Western National is an expensive provider
with an average six-month premium of
$290.
Here is a list of driving violations that can increase your car
insurance rates in Fort Wainwright AK. For example, the car
insurance in Fort Wainwright
after a DUI increases to $561 for a six
month policy. While the rate increases by $212 for a six-month policy in the case of
a speeding ticket.
Fort Wainwright auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1160
$193
Not-at-fault accident
$1167
$199
One comp claim
$1167
$194
One Med/PIP claim
$1167
$199
Two comp claims
$1167
$194
Two Med/PIP claims
$1167
$199
Failure to show documents
$1265
$211
At-fault accident - less than $1000
$1305
$222
Failure to wear a seat belt
$1332
$222
Child safety restraint
$1345
$229
Driving without lights
$1345
$224
Cell phone violation
$1372
$233
Driving too slowly
$1372
$229
In 65 MPH zone
$1372
$233
Speeding 11 - 15 MPH over limit
$1372
$229
Speeding 16 - 20 MPH over limit
$1372
$233
Speeding 6 - 10 MPH over limit
$1372
$229
Speeding in school zone
$1372
$233
Texting while driving
$1372
$229
Driving with expired registration
$1391
$236
Failure to stop at a red light
$1391
$232
Failure to yield
$1391
$236
Following too closely
$1391
$232
Illegal turn
$1391
$236
Improper passing
$1391
$232
Wrong way/wrong lane
$1391
$236
Speeding 21 - 25 MPH over limit
$1417
$236
Passing school bus
$1431
$243
Operating a vehicle without permission
$1444
$241
Open container
$1556
$264
At-fault accident - $1000-$2000
$1583
$264
At-fault accident - greater than $2000
$1583
$269
Driving with a suspended license
$1648
$275
Refusal to submit to a chemical test
$1655
$282
Reckless driving
$1695
$282
DUI
$1721
$293
Racing
$1814
$302
Leaving scene of an accident/hit and run
$1819
$310
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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 Fort Wainwright 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 Fort Wainwright.
The cheapest car insurance premiums in
Fort Wainwright are
offered by Umialik at $765 for a six-month policy.
However, it can be as
expensive as $290 with companies
like Western National.
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 Fort Wainwright are offered by Umialik
at $601. However,
it can be as expensive as $290
with companies like Western National for a similar
six-month premium.
Cheapest Car Insurance in Fort Wainwright after Speeding ticket
Car Insurance Price Trends in Fort Wainwright,
Alaska
Car insurance rates in Fort Wainwright have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fort Wainwright rose by
$203 in December
compared to $198 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 Fort Wainwright rose to $48 in December,
compared to $46 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Fort Wainwright by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Fort Wainwright. At $2279 for a
six-month policy, insuring
your car at 99703 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 Fort Wainwright?
The car insurance in Fort Wainwright is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Fort Wainwright?
The cheapest car insurance in Fort Wainwright
is $160 per month
for full coverage.
How much is car insurance in Fort Wainwright for teenagers?
Car insurance for teenagers costs $1365 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
Fort Wainwright?
The average cost of car insurance is $1027 for a six-month
policy. It will cost around $192 per month to insure your
car in Fort Wainwright.
Is car insurance expensive in Fort Wainwright?
Car insurance can be expensive in Fort Wainwright if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fort Wainwright can be
affordable.
What is the best car insurance in Fort Wainwright,
AK?
The best car insurance company in Fort Wainwright
AK is
Progressive, offering $949 for a
six-month policy.
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Fort Wainwright Car Insurance
