Cheapest Car Insurance Quotes in Kalifornsky

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401,895 Policies Sold

Kalifornsky Car Insurance

^$ 29

/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 Kalifornsky

The car insurance rate in Kalifornsky is $1041 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $821, making it a popular choice for budget-conscious drivers. Rates in Kalifornsky 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 Kalifornsky

$1041

Avg. Car Insurance in Alaska

$1084

National Average

$1140

Cheapest Car Insurance Companies in Kalifornsky

1st place: Progressive

At $821 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $873 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 $947 for six months, making it the third cheapest auto insurance company in Kalifornsky.

Kalifornsky Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kalifornsky, AK is Progressive, offering policies at just $821 for a six-month term. This is followed by USAA, which has an average six-month premium of $873.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1437 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kalifornsky drivers find the best deals.

Cheap Car Insurance Companies in Kalifornsky, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$821	$138
USAA	$873	$147
State Farm	$947	$159
Umialik	$1129	$190
Allstate	$1437	$245

Key Takeaways

Way's key takeaways about car insurance in Kalifornsky

The auto insurance costs in Kalifornsky fall around $821 for six months.
The cheapest auto insurance company in Kalifornsky is USAA.
Teen drivers pay the highest rate in Kalifornsky at $396 per month.

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Cheapest Minimum Liability Car Insurance in Kalifornsky

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 Kalifornsky are given below.

USAA provides the cheapest minimum car insurance coverage in Kalifornsky. Their Average 6 Month Premium is $171. Umialik is the most expensive at $285 for the same period.

Cheapest Liability Coverage in Kalifornsky, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$171	$29
Progressive	$251	$42
State Farm	$274	$46
Allstate	$285	$48
Umialik	$285	$48

Cheapest Full Coverage Car Insurance in Kalifornsky

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 Kalifornsky is Progressive at $138 per month and $821 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kalifornsky, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$821	$138
USAA	$873	$147
State Farm	$947	$159
Umialik	$1129	$190
Allstate	$1437	$245

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Average Car Insurance in Kalifornsky 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 Kalifornsky, AK increasing?

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

Car Insurance Premiums by Age in Kalifornsky

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	$590
30s	USAA	$446
40s	USAA	$413
50s	USAA	$389
60s	USAA	$403
70s	USAA	$494

Cheapest Car Insurance Rates for Teen Drivers in Kalifornsky,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Kalifornsky at $199 per month. At $2332 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1181	$199
USAA	$1363	$228
Umialik	$2167	$369
Progressive	$2196	$370
Allstate	$2332	$396

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 Kalifornsky.

As young drivers face the highest rates in Kalifornsky, USAA offers the cheapest auto insurance rates at $590 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 Kalifornsky, Allstate is the cheapest car insurance provider. At $770 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 Kalifornsky is State Farm, offering rates of around $2440 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$770	$130
Progressive	$912	$154
Umialik	$929	$156
USAA	$1044	$178
State Farm	$2440	$407

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Car Insurance Rates with An Accident in Kalifornsky

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

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

The cheapest car insurance companies after an at-fault accident in Kalifornsky include State Farm and Umialik, offering $479 and $508, respectively. Progressive is an expensive provider with an average six-month premium of $964.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$479	$81
Umialik	$508	$85
USAA	$576	$97
Allstate	$896	$151
Progressive	$964	$162

Kalifornsky Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kalifornsky AK. For example, the car insurance in Kalifornsky after a DUI increases to $485 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Kalifornsky auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1003	$167
Not-at-fault accident	$1009	$172
One comp claim	$1009	$168
One Med/PIP claim	$1009	$172
Two comp claims	$1009	$168
Two Med/PIP claims	$1009	$172
Failure to show documents	$1094	$182
At-fault accident - less than $1000	$1129	$192
Failure to wear a seat belt	$1152	$192
Child safety restraint	$1164	$198
Driving without lights	$1164	$194
Cell phone violation	$1187	$202
Driving too slowly	$1187	$198
In 65 MPH zone	$1187	$202
Speeding 11 - 15 MPH over limit	$1187	$198
Speeding 16 - 20 MPH over limit	$1187	$202
Speeding 6 - 10 MPH over limit	$1187	$198
Speeding in school zone	$1187	$202
Texting while driving	$1187	$198
Driving with expired registration	$1203	$204
Failure to stop at a red light	$1203	$201
Failure to yield	$1203	$204
Following too closely	$1203	$201
Illegal turn	$1203	$204
Improper passing	$1203	$201
Wrong way/wrong lane	$1203	$204
Speeding 21 - 25 MPH over limit	$1226	$204
Passing school bus	$1237	$210
Operating a vehicle without permission	$1249	$208
Open container	$1346	$228
At-fault accident - $1000-$2000	$1369	$228
At-fault accident - greater than $2000	$1369	$232
Driving with a suspended license	$1426	$238
Refusal to submit to a chemical test	$1431	$244
Reckless driving	$1466	$244
DUI	$1488	$253
Racing	$1569	$261
Leaving scene of an accident/hit and run	$1573	$268

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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 Kalifornsky 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 Kalifornsky.

The cheapest car insurance premiums in Kalifornsky are offered by Umialik at $661 for a six-month policy. However, it can be as expensive as $1660 with companies like Allstate.

Kalifornsky car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$661	$111
Progressive	$935	$157
State Farm	$1129	$190
USAA	$1220	$205
Allstate	$1660	$279

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 Kalifornsky are offered by Umialik at $519. However, it can be as expensive as $981 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Kalifornsky after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$519	$87
State Farm	$673	$113
USAA	$713	$119
Allstate	$975	$166
Progressive	$981	$165

Car Insurance Price Trends in Kalifornsky, Alaska

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

The average cost of full coverage in the Kalifornsky remained steady at $176 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kalifornsky remained steady at $41 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Kalifornsky?

The car insurance in Kalifornsky is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Kalifornsky?

The cheapest car insurance in Kalifornsky is $138 per month for full coverage.

How much is car insurance in Kalifornsky for teenagers?

Car insurance for teenagers costs $1181 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 Kalifornsky?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $176 per month to insure your car in Kalifornsky.

Is car insurance expensive in Kalifornsky?

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

What is the best car insurance in Kalifornsky, AK?

The best car insurance company in Kalifornsky AK is Progressive, offering $821 for a six-month policy.