Cheapest Car Insurance Quotes in Haines

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406,175 Policies Sold

Haines Car Insurance

^$ 27

/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 Haines

The car insurance rate in Haines is $921 for a six-month policy, which is $163 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 Haines 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 Haines

$921

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Haines

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 Haines.

Haines Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Haines, 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, Allstate is the most expensive, with rates reaching $1272 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Haines drivers find the best deals.

Cheap Car Insurance Companies in Haines, 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

Key Takeaways

Way's key takeaways about car insurance in Haines

The auto insurance costs in Haines fall around $727 for six months.
The cheapest auto insurance company in Haines is USAA.
Teen drivers pay the highest rate in Haines at $518 per month.

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Cheapest Minimum Liability Car Insurance in Haines

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 Haines are given below.

USAA provides the cheapest minimum car insurance coverage in Haines. Their Average 6 Month Premium is $162. Allstate is the most expensive at $278 for the same period.

Cheapest Liability Coverage in Haines, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$162	$27
Progressive	$237	$40
State Farm	$268	$45
Umialik	$268	$45
Allstate	$278	$47

Cheapest Full Coverage Car Insurance in Haines

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

Cheapest Full Coverage Car Insurance Quotes in Haines, 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

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Average Car Insurance in Haines 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 Haines, AK increasing?

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

Car Insurance Premiums by Age in Haines

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	$519
30s	USAA	$392
40s	USAA	$362
50s	USAA	$342
60s	USAA	$354
70s	USAA	$434

Cheapest Car Insurance Rates for Teen Drivers in Haines,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Haines at $232 per month. At $3045 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1363	$232
Progressive	$1379	$232
State Farm	$1570	$264
Umialik	$2247	$375
Allstate	$3045	$518

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 Haines.

As young drivers face the highest rates in Haines, USAA offers the cheapest auto insurance rates at $519 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 Haines, Progressive is the cheapest car insurance provider. At $747 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 Haines is State Farm, offering rates of around $3388 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$747	$126
Allstate	$929	$156
Umialik	$939	$158
USAA	$1035	$176
State Farm	$3388	$564

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Car Insurance Rates with An Accident in Haines

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

Cheapest Car Insurance Companies after an At-Fault Accident in Haines

The cheapest car insurance companies after an at-fault accident in Haines include Umialik and State Farm, offering $500 and $550, respectively. Allstate is an expensive provider with an average six-month premium of $1237.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$500	$84
State Farm	$550	$93
USAA	$555	$94
Progressive	$808	$136
Allstate	$1237	$208

Haines Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Haines AK. For example, the car insurance in Haines 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.

Haines 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 Haines 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 Haines.

The cheapest car insurance premiums in Haines are offered by Umialik at $636 for a six-month policy. However, it can be as expensive as $1726 with companies like Allstate.

Haines car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$636	$107
Progressive	$808	$136
USAA	$1141	$192
State Farm	$1232	$207
Allstate	$1726	$291

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 Haines are offered by Umialik at $536. However, it can be as expensive as $1318 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Haines after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$536	$90
USAA	$742	$126
State Farm	$813	$137
Progressive	$869	$146
Allstate	$1318	$219

Car Insurance Price Trends in Haines, Alaska

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

The average cost of full coverage in the Haines rose by $167 in January compared to $156 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Haines rose to $39 in January, compared to $37 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Haines?

The car insurance in Haines is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Haines?

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

How much is car insurance in Haines for teenagers?

Car insurance for teenagers costs $1363 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 Haines?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $156 per month to insure your car in Haines.

Is car insurance expensive in Haines?

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

What is the best car insurance in Haines, AK?

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