Cheapest Car Insurance Quotes in Larsen Bay

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Larsen Bay 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 Larsen Bay

The car insurance rate in Larsen Bay is $976 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $812, making it a popular choice for budget-conscious drivers. Rates in Larsen Bay 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 Larsen Bay

$976

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Larsen Bay

1st place: Progressive

At $812 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $864 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 $937 for six months, making it the third cheapest auto insurance company in Larsen Bay.

Larsen Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Larsen Bay, AK is Progressive, offering policies at just $812 for a six-month term. This is followed by USAA, which has an average six-month premium of $864.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $706 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Larsen Bay drivers find the best deals.

Cheap Car Insurance Companies in Larsen Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$812	$137
USAA	$864	$145
State Farm	$937	$158
Umialik	$1117	$188
Allstate	$1422	$242
Western National	$706	$118

Key Takeaways

Way's key takeaways about car insurance in Larsen Bay

The auto insurance costs in Larsen Bay fall around $812 for six months.
The cheapest auto insurance company in Larsen Bay is USAA.
Teen drivers pay the highest rate in Larsen Bay at $89 per month.

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Cheapest Minimum Liability Car Insurance in Larsen Bay

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 Larsen Bay are given below.

USAA provides the cheapest minimum car insurance coverage in Larsen Bay. Their Average 6 Month Premium is $169. Western National is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Larsen Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$169	$29
Progressive	$248	$42
State Farm	$271	$46
Allstate	$282	$48
Umialik	$282	$48
Western National	$248	$42

Cheapest Full Coverage Car Insurance in Larsen Bay

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 Larsen Bay is Progressive at $137 per month and $812 for six months.

Cheapest Full Coverage Car Insurance Quotes in Larsen Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$812	$137
USAA	$864	$145
State Farm	$937	$158
Umialik	$1117	$188
Allstate	$1422	$242
Western National	$706	$118

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Average Car Insurance in Larsen Bay 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 Larsen Bay, AK increasing?

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

Car Insurance Premiums by Age in Larsen Bay

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	$584
30s	USAA	$442
40s	USAA	$409
50s	USAA	$385
60s	USAA	$399
70s	USAA	$489

Cheapest Car Insurance Rates for Teen Drivers in Larsen Bay,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Larsen Bay at $197 per month. At $524 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	$1169	$197
USAA	$1349	$225
Umialik	$2144	$365
Progressive	$2173	$366
Allstate	$2308	$392
Western National	$524	$89

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 Larsen Bay.

As young drivers face the highest rates in Larsen Bay, USAA offers the cheapest auto insurance rates at $584 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 Larsen Bay, Allstate is the cheapest car insurance provider. At $762 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 Larsen Bay is Western National, offering rates of around $559 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$762	$128
Progressive	$903	$152
Umialik	$920	$155
USAA	$1033	$176
State Farm	$2415	$403
Western National	$559	$93

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Car Insurance Rates with An Accident in Larsen Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Larsen Bay

The cheapest car insurance companies after an at-fault accident in Larsen Bay include State Farm and Umialik, offering $474 and $503, respectively. Western National is an expensive provider with an average six-month premium of $248.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$474	$80
Umialik	$503	$85
USAA	$570	$96
Allstate	$886	$149
Progressive	$954	$161
Western National	$248	$42

Larsen Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Larsen Bay AK. For example, the car insurance in Larsen Bay after a DUI increases to $480 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Larsen Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$993	$165
Not-at-fault accident	$998	$170
One comp claim	$998	$166
One Med/PIP claim	$998	$170
Two comp claims	$998	$166
Two Med/PIP claims	$998	$170
Failure to show documents	$1083	$181
At-fault accident - less than $1000	$1117	$190
Failure to wear a seat belt	$1140	$190
Child safety restraint	$1151	$196
Driving without lights	$1151	$192
Cell phone violation	$1174	$200
Driving too slowly	$1174	$196
In 65 MPH zone	$1174	$200
Speeding 11 - 15 MPH over limit	$1174	$196
Speeding 16 - 20 MPH over limit	$1174	$200
Speeding 6 - 10 MPH over limit	$1174	$196
Speeding in school zone	$1174	$200
Texting while driving	$1174	$196
Driving with expired registration	$1190	$202
Failure to stop at a red light	$1190	$199
Failure to yield	$1190	$202
Following too closely	$1190	$199
Illegal turn	$1190	$202
Improper passing	$1190	$199
Wrong way/wrong lane	$1190	$202
Speeding 21 - 25 MPH over limit	$1213	$202
Passing school bus	$1225	$208
Operating a vehicle without permission	$1236	$206
Open container	$1332	$226
At-fault accident - $1000-$2000	$1355	$226
At-fault accident - greater than $2000	$1355	$230
Driving with a suspended license	$1411	$236
Refusal to submit to a chemical test	$1416	$241
Reckless driving	$1451	$241
DUI	$1473	$251
Racing	$1552	$258
Leaving scene of an accident/hit and run	$1557	$265

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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 Larsen Bay 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 Larsen Bay.

The cheapest car insurance premiums in Larsen Bay are offered by Umialik at $655 for a six-month policy. However, it can be as expensive as $248 with companies like Western National.

Larsen Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$655	$110
Progressive	$925	$156
State Farm	$1117	$188
USAA	$1207	$203
Allstate	$1643	$276
Western National	$248	$42

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 Larsen Bay are offered by Umialik at $514. However, it can be as expensive as $248 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Larsen Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$514	$86
State Farm	$666	$112
USAA	$706	$118
Allstate	$965	$164
Progressive	$971	$163
Western National	$248	$42

Car Insurance Price Trends in Larsen Bay, Alaska

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

The average cost of full coverage in the Larsen Bay rose by $174 in December compared to $169 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 Larsen Bay rose to $41 in December, compared to $39 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 Larsen Bay?

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

What is the cheapest car insurance in Larsen Bay?

The cheapest car insurance in Larsen Bay is $137 per month for full coverage.

How much is car insurance in Larsen Bay for teenagers?

Car insurance for teenagers costs $1169 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 Larsen Bay?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $164 per month to insure your car in Larsen Bay.

Is car insurance expensive in Larsen Bay?

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

What is the best car insurance in Larsen Bay, AK?

The best car insurance company in Larsen Bay AK is Progressive, offering $812 for a six-month policy.