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Finding the cheapest car insurance quotes in Girdwood 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 Girdwood
The car insurance rate in Girdwood is $1078 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $898, making it a popular choice for budget-conscious drivers. Rates in Girdwood 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 $898 for a six
month policy, Progressive offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $954 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 $1035
for six months, making it
the third cheapest auto insurance company in Girdwood.
Girdwood Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Girdwood, AK is Progressive, offering policies at just $898 for a six-month term. This is followed by USAA, which has an average six-month premium of $954.
At the higher end of the spectrum, Western National is the most expensive, with rates reaching $780 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Girdwood drivers find the best deals.
Way's key takeaways about car insurance in Girdwood
The auto insurance costs in Girdwood fall around $898 for six
months.
The cheapest auto insurance company in Girdwood is USAA.
Teen drivers pay the highest rate in Girdwood at $99 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 Girdwood
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 Girdwood are given below.
USAA provides
the cheapest minimum car insurance
coverage in Girdwood. Their Average 6 Month Premium is $187.
Western National is the most
expensive at $274 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 Girdwood is Progressive
at $151 per month and $898
for six months.
Cheapest Full Coverage Car Insurance Quotes in Girdwood,
AK
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Instantly!
Average Car Insurance in Girdwood 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 Girdwood, AK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Girdwood, 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, Girdwood's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Girdwood
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
$646
30s
USAA
$488
40s
USAA
$452
50s
USAA
$425
60s
USAA
$441
70s
USAA
$541
Cheapest Car Insurance Rates for Teen Drivers in
Girdwood,AK
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Girdwood at $217
per
month. At $580 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 Girdwood.
As young drivers face the highest rates in Girdwood, USAA
offers the cheapest auto insurance rates at $646 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 Girdwood,
Allstate is
the cheapest car insurance provider. At $842 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
Girdwood is Western National, offering
rates of around $617 for six
months.
Save up to $971/yr on car insurance rates in Girdwood.
Car Insurance Rates with An Accident in Girdwood
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 Girdwood, AK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Girdwood
The cheapest car insurance companies after an at-fault accident in
Girdwood include State Farm
and Umialik, offering $524
and $555,
respectively. Western National is an expensive provider
with an average six-month premium of
$274.
Here is a list of driving violations that can increase your car
insurance rates in Girdwood AK. For example, the car
insurance in Girdwood
after a DUI increases to $531 for a six
month policy. While the rate increases by $201 for a six-month policy in the case of
a speeding ticket.
Girdwood auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1097
$183
Not-at-fault accident
$1104
$188
One comp claim
$1104
$184
One Med/PIP claim
$1104
$188
Two comp claims
$1104
$184
Two Med/PIP claims
$1104
$188
Failure to show documents
$1197
$200
At-fault accident - less than $1000
$1235
$210
Failure to wear a seat belt
$1260
$210
Child safety restraint
$1273
$216
Driving without lights
$1273
$212
Cell phone violation
$1298
$221
Driving too slowly
$1298
$216
In 65 MPH zone
$1298
$221
Speeding 11 - 15 MPH over limit
$1298
$216
Speeding 16 - 20 MPH over limit
$1298
$221
Speeding 6 - 10 MPH over limit
$1298
$216
Speeding in school zone
$1298
$221
Texting while driving
$1298
$216
Driving with expired registration
$1316
$224
Failure to stop at a red light
$1316
$219
Failure to yield
$1316
$224
Following too closely
$1316
$219
Illegal turn
$1316
$224
Improper passing
$1316
$219
Wrong way/wrong lane
$1316
$224
Speeding 21 - 25 MPH over limit
$1341
$224
Passing school bus
$1353
$230
Operating a vehicle without permission
$1366
$228
Open container
$1472
$250
At-fault accident - $1000-$2000
$1497
$250
At-fault accident - greater than $2000
$1497
$254
Driving with a suspended license
$1559
$260
Refusal to submit to a chemical test
$1566
$267
Reckless driving
$1603
$267
DUI
$1628
$277
Racing
$1716
$286
Leaving scene of an accident/hit and run
$1721
$293
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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 Girdwood 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 Girdwood.
The cheapest car insurance premiums in
Girdwood are
offered by Umialik at $723 for a six-month policy.
However, it can be as
expensive as $274 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 Girdwood are offered by Umialik
at $568. However,
it can be as expensive as $274
with companies like Western National for a similar
six-month premium.
Cheapest Car Insurance in Girdwood after Speeding ticket
Car insurance rates in Girdwood have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Girdwood rose by
$192 in December
compared to $187 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 Girdwood rose to $45 in December,
compared to $43 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Girdwood 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
Girdwood. At $2156 for a
six-month policy, insuring
your car at 99587 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 Girdwood?
The car insurance in Girdwood is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Girdwood?
The cheapest car insurance in Girdwood
is $151 per month
for full coverage.
How much is car insurance in Girdwood for teenagers?
Car insurance for teenagers costs $1292 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
Girdwood?
The average cost of car insurance is $1027 for a six-month
policy. It will cost around $182 per month to insure your
car in Girdwood.
Is car insurance expensive in Girdwood?
Car insurance can be expensive in Girdwood if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Girdwood can be
affordable.
What is the best car insurance in Girdwood,
AK?
The best car insurance company in Girdwood
AK is
Progressive, offering $898 for a
six-month policy.
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Girdwood Car Insurance
