Cheapest Car Insurance Quotes in Karluk

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Karluk Car Insurance

^$ 30

/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 Karluk

The car insurance rate in Karluk is $1019 for a six-month policy, which is $65 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $804, making it a popular choice for budget-conscious drivers. Rates in Karluk 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 Karluk

$1019

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Karluk

1st place: Progressive

At $804 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $854 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 $927 for six months, making it the third cheapest auto insurance company in Karluk.

Karluk Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Karluk, AK is Progressive, offering policies at just $804 for a six-month term. This is followed by USAA, which has an average six-month premium of $854.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1407 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Karluk drivers find the best deals.

Cheap Car Insurance Companies in Karluk, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$804	$135
USAA	$854	$144
State Farm	$927	$156
Umialik	$1105	$186
Allstate	$1407	$240

Key Takeaways

Way's key takeaways about car insurance in Karluk

The auto insurance costs in Karluk fall around $804 for six months.
The cheapest auto insurance company in Karluk is USAA.
Teen drivers pay the highest rate in Karluk at $572 per month.

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Cheapest Minimum Liability Car Insurance in Karluk

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 Karluk are given below.

USAA provides the cheapest minimum car insurance coverage in Karluk. Their Average 6 Month Premium is $179. Allstate is the most expensive at $307 for the same period.

Cheapest Liability Coverage in Karluk, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Progressive	$262	$44
State Farm	$296	$50
Umialik	$296	$50
Allstate	$307	$52

Cheapest Full Coverage Car Insurance in Karluk

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 Karluk is Progressive at $135 per month and $804 for six months.

Cheapest Full Coverage Car Insurance Quotes in Karluk, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$804	$135
USAA	$854	$144
State Farm	$927	$156
Umialik	$1105	$186
Allstate	$1407	$240

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Average Car Insurance in Karluk 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 Karluk, AK increasing?

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

Car Insurance Premiums by Age in Karluk

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	$573
30s	USAA	$433
40s	USAA	$400
50s	USAA	$378
60s	USAA	$392
70s	USAA	$480

Cheapest Car Insurance Rates for Teen Drivers in Karluk,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Karluk at $257 per month. At $3367 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1508	$257
Progressive	$1525	$257
State Farm	$1736	$292
Umialik	$2484	$415
Allstate	$3367	$572

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 Karluk.

As young drivers face the highest rates in Karluk, USAA offers the cheapest auto insurance rates at $573 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 Karluk, Progressive is the cheapest car insurance provider. At $826 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 Karluk is State Farm, offering rates of around $3747 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$826	$139
Allstate	$1027	$173
Umialik	$1039	$175
USAA	$1145	$195
State Farm	$3747	$624

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Car Insurance Rates with An Accident in Karluk

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

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

The cheapest car insurance companies after an at-fault accident in Karluk include Umialik and State Farm, offering $553 and $608, respectively. Allstate is an expensive provider with an average six-month premium of $1368.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$553	$93
State Farm	$608	$102
USAA	$614	$103
Progressive	$893	$150
Allstate	$1368	$230

Karluk Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Karluk AK. For example, the car insurance in Karluk after a DUI increases to $475 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Karluk auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$982	$164
Not-at-fault accident	$988	$168
One comp claim	$988	$165
One Med/PIP claim	$988	$168
Two comp claims	$988	$165
Two Med/PIP claims	$988	$168
Failure to show documents	$1072	$179
At-fault accident - less than $1000	$1105	$188
Failure to wear a seat belt	$1128	$188
Child safety restraint	$1139	$194
Driving without lights	$1139	$190
Cell phone violation	$1162	$197
Driving too slowly	$1162	$194
In 65 MPH zone	$1162	$197
Speeding 11 - 15 MPH over limit	$1162	$194
Speeding 16 - 20 MPH over limit	$1162	$197
Speeding 6 - 10 MPH over limit	$1162	$194
Speeding in school zone	$1162	$197
Texting while driving	$1162	$194
Driving with expired registration	$1178	$200
Failure to stop at a red light	$1178	$196
Failure to yield	$1178	$200
Following too closely	$1178	$196
Illegal turn	$1178	$200
Improper passing	$1178	$196
Wrong way/wrong lane	$1178	$200
Speeding 21 - 25 MPH over limit	$1200	$200
Passing school bus	$1212	$206
Operating a vehicle without permission	$1223	$204
Open container	$1318	$224
At-fault accident - $1000-$2000	$1340	$224
At-fault accident - greater than $2000	$1340	$227
Driving with a suspended license	$1396	$233
Refusal to submit to a chemical test	$1402	$239
Reckless driving	$1435	$239
DUI	$1457	$248
Racing	$1536	$256
Leaving scene of an accident/hit and run	$1541	$262

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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 Karluk 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 Karluk.

The cheapest car insurance premiums in Karluk are offered by Umialik at $703 for a six-month policy. However, it can be as expensive as $1909 with companies like Allstate.

Karluk car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$703	$118
Progressive	$893	$150
USAA	$1261	$212
State Farm	$1362	$229
Allstate	$1909	$321

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 Karluk are offered by Umialik at $592. However, it can be as expensive as $1457 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Karluk after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$592	$100
USAA	$821	$139
State Farm	$899	$151
Progressive	$961	$162
Allstate	$1457	$243

Car Insurance Price Trends in Karluk, Alaska

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

The average cost of full coverage in the Karluk rose by $185 in January compared to $172 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Karluk rose to $43 in January, compared to $40 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Karluk?

The car insurance in Karluk is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Karluk?

The cheapest car insurance in Karluk is $135 per month for full coverage.

How much is car insurance in Karluk for teenagers?

Car insurance for teenagers costs $1508 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 Karluk?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $172 per month to insure your car in Karluk.

Is car insurance expensive in Karluk?

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

What is the best car insurance in Karluk, AK?

The best car insurance company in Karluk AK is Progressive, offering $804 for a six-month policy.