Cheapest Car Insurance Quotes in Harding-Birch Lakes

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Harding-Birch Lakes Car Insurance

^$ 32

/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 Harding-Birch Lakes

The car insurance rate in Harding-Birch Lakes 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 Harding-Birch Lakes 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 Harding-Birch Lakes

$1078

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Harding-Birch Lakes

1st place: Progressive

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 Harding-Birch Lakes.

Harding-Birch Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harding-Birch Lakes, 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 Harding-Birch Lakes drivers find the best deals.

Cheap Car Insurance Companies in Harding-Birch Lakes, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$898	$151
USAA	$954	$161
State Farm	$1035	$174
Umialik	$1235	$208
Allstate	$1572	$268
Western National	$780	$130

Key Takeaways

Way's key takeaways about car insurance in Harding-Birch Lakes

The auto insurance costs in Harding-Birch Lakes fall around $898 for six months.
The cheapest auto insurance company in Harding-Birch Lakes is USAA.
Teen drivers pay the highest rate in Harding-Birch Lakes at $99 per month.

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Cheapest Minimum Liability Car Insurance in Harding-Birch Lakes

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 Harding-Birch Lakes are given below.

USAA provides the cheapest minimum car insurance coverage in Harding-Birch Lakes. Their Average 6 Month Premium is $187. Western National is the most expensive at $274 for the same period.

Cheapest Liability Coverage in Harding-Birch Lakes, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$187	$32
Progressive	$274	$46
State Farm	$299	$50
Allstate	$312	$53
Umialik	$312	$53
Western National	$274	$46

Cheapest Full Coverage Car Insurance in Harding-Birch Lakes

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 Harding-Birch Lakes is Progressive at $151 per month and $898 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harding-Birch Lakes, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$898	$151
USAA	$954	$161
State Farm	$1035	$174
Umialik	$1235	$208
Allstate	$1572	$268
Western National	$780	$130

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Average Car Insurance in Harding-Birch Lakes 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 Harding-Birch Lakes, AK increasing?

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

Car Insurance Premiums by Age in Harding-Birch Lakes

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 Harding-Birch Lakes,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Harding-Birch Lakes at $217 per month. At $580 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	$1292	$217
USAA	$1491	$249
Umialik	$2370	$403
Progressive	$2401	$404
Allstate	$2550	$434
Western National	$580	$99

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 Harding-Birch Lakes.

As young drivers face the highest rates in Harding-Birch Lakes, 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 Harding-Birch Lakes, 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 Harding-Birch Lakes is Western National, offering rates of around $617 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$842	$142
Progressive	$998	$168
Umialik	$1016	$171
USAA	$1141	$194
State Farm	$2669	$445
Western National	$617	$103

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Car Insurance Rates with An Accident in Harding-Birch Lakes

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 Harding-Birch Lakes, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Harding-Birch Lakes

The cheapest car insurance companies after an at-fault accident in Harding-Birch Lakes include State Farm and Umialik, offering $524 and $555, respectively. Western National is an expensive provider with an average six-month premium of $274.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$524	$88
Umialik	$555	$93
USAA	$630	$106
Allstate	$980	$165
Progressive	$1054	$177
Western National	$274	$46

Harding-Birch Lakes Car Insurance Rates by Violation

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

Harding-Birch Lakes 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 Harding-Birch Lakes 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 Harding-Birch Lakes.

The cheapest car insurance premiums in Harding-Birch Lakes are offered by Umialik at $723 for a six-month policy. However, it can be as expensive as $274 with companies like Western National.

Harding-Birch Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$723	$122
Progressive	$1023	$172
State Farm	$1235	$208
USAA	$1335	$225
Allstate	$1815	$306
Western National	$274	$46

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 Harding-Birch Lakes 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 Harding-Birch Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$568	$96
State Farm	$736	$124
USAA	$780	$130
Allstate	$1067	$182
Progressive	$1073	$181
Western National	$274	$46

Car Insurance Price Trends in Harding-Birch Lakes, Alaska

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

The average cost of full coverage in the Harding-Birch Lakes 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 Harding-Birch Lakes rose to $45 in December, compared to $43 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 Harding-Birch Lakes?

The car insurance in Harding-Birch Lakes is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Harding-Birch Lakes?

The cheapest car insurance in Harding-Birch Lakes is $151 per month for full coverage.

How much is car insurance in Harding-Birch Lakes 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 Harding-Birch Lakes?

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 Harding-Birch Lakes.

Is car insurance expensive in Harding-Birch Lakes?

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

What is the best car insurance in Harding-Birch Lakes, AK?

The best car insurance company in Harding-Birch Lakes AK is Progressive, offering $898 for a six-month policy.