Cheapest Car Insurance Quotes in Lazy Mountain

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Lazy Mountain Car Insurance

^$ 37

/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 Lazy Mountain

The car insurance rate in Lazy Mountain is $1247 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $983, making it a popular choice for budget-conscious drivers. Rates in Lazy Mountain 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 Lazy Mountain

$1247

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Lazy Mountain

1st place: Progressive

At $983 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1045 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 $1134 for six months, making it the third cheapest auto insurance company in Lazy Mountain.

Lazy Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lazy Mountain, AK is Progressive, offering policies at just $983 for a six-month term. This is followed by USAA, which has an average six-month premium of $1045.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1722 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lazy Mountain drivers find the best deals.

Cheap Car Insurance Companies in Lazy Mountain, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$983	$166
USAA	$1045	$176
State Farm	$1134	$191
Umialik	$1352	$228
Allstate	$1722	$293

Key Takeaways

Way's key takeaways about car insurance in Lazy Mountain

The auto insurance costs in Lazy Mountain fall around $983 for six months.
The cheapest auto insurance company in Lazy Mountain is USAA.
Teen drivers pay the highest rate in Lazy Mountain at $700 per month.

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Cheapest Minimum Liability Car Insurance in Lazy Mountain

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 Lazy Mountain are given below.

USAA provides the cheapest minimum car insurance coverage in Lazy Mountain. Their Average 6 Month Premium is $218. Allstate is the most expensive at $376 for the same period.

Cheapest Liability Coverage in Lazy Mountain, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$218	$37
Progressive	$321	$54
State Farm	$362	$61
Umialik	$362	$61
Allstate	$376	$63

Cheapest Full Coverage Car Insurance in Lazy Mountain

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 Lazy Mountain is Progressive at $166 per month and $983 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lazy Mountain, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$983	$166
USAA	$1045	$176
State Farm	$1134	$191
Umialik	$1352	$228
Allstate	$1722	$293

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Average Car Insurance in Lazy Mountain 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 Lazy Mountain, AK increasing?

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

Car Insurance Premiums by Age in Lazy Mountain

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	$702
30s	USAA	$530
40s	USAA	$490
50s	USAA	$462
60s	USAA	$480
70s	USAA	$588

Cheapest Car Insurance Rates for Teen Drivers in Lazy Mountain,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Lazy Mountain at $314 per month. At $4119 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1845	$314
Progressive	$1865	$314
State Farm	$2124	$358
Umialik	$3039	$507
Allstate	$4119	$700

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 Lazy Mountain.

As young drivers face the highest rates in Lazy Mountain, USAA offers the cheapest auto insurance rates at $702 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 Lazy Mountain, Progressive is the cheapest car insurance provider. At $1011 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 Lazy Mountain is State Farm, offering rates of around $4584 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$1011	$170
Allstate	$1257	$212
Umialik	$1271	$214
USAA	$1401	$238
State Farm	$4584	$764

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Car Insurance Rates with An Accident in Lazy Mountain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lazy Mountain

The cheapest car insurance companies after an at-fault accident in Lazy Mountain include Umialik and State Farm, offering $676 and $744, respectively. Allstate is an expensive provider with an average six-month premium of $1673.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$676	$114
State Farm	$744	$125
USAA	$751	$126
Progressive	$1093	$184
Allstate	$1673	$282

Lazy Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lazy Mountain AK. For example, the car insurance in Lazy Mountain after a DUI increases to $580 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Lazy Mountain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1202	$200
Not-at-fault accident	$1209	$206
One comp claim	$1209	$201
One Med/PIP claim	$1209	$206
Two comp claims	$1209	$201
Two Med/PIP claims	$1209	$206
Failure to show documents	$1311	$218
At-fault accident - less than $1000	$1352	$230
Failure to wear a seat belt	$1380	$230
Child safety restraint	$1394	$237
Driving without lights	$1394	$232
Cell phone violation	$1421	$241
Driving too slowly	$1421	$237
In 65 MPH zone	$1421	$241
Speeding 11 - 15 MPH over limit	$1421	$237
Speeding 16 - 20 MPH over limit	$1421	$241
Speeding 6 - 10 MPH over limit	$1421	$237
Speeding in school zone	$1421	$241
Texting while driving	$1421	$237
Driving with expired registration	$1441	$245
Failure to stop at a red light	$1441	$240
Failure to yield	$1441	$245
Following too closely	$1441	$240
Illegal turn	$1441	$245
Improper passing	$1441	$240
Wrong way/wrong lane	$1441	$245
Speeding 21 - 25 MPH over limit	$1469	$245
Passing school bus	$1482	$252
Operating a vehicle without permission	$1496	$250
Open container	$1612	$274
At-fault accident - $1000-$2000	$1640	$274
At-fault accident - greater than $2000	$1640	$278
Driving with a suspended license	$1708	$285
Refusal to submit to a chemical test	$1715	$292
Reckless driving	$1756	$292
DUI	$1782	$304
Racing	$1879	$313
Leaving scene of an accident/hit and run	$1885	$321

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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 Lazy Mountain 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 Lazy Mountain.

The cheapest car insurance premiums in Lazy Mountain are offered by Umialik at $860 for a six-month policy. However, it can be as expensive as $2336 with companies like Allstate.

Lazy Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$860	$145
Progressive	$1093	$184
USAA	$1543	$260
State Farm	$1666	$281
Allstate	$2336	$393

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 Lazy Mountain are offered by Umialik at $725. However, it can be as expensive as $1782 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lazy Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$725	$122
USAA	$1004	$170
State Farm	$1099	$185
Progressive	$1175	$198
Allstate	$1782	$297

Car Insurance Price Trends in Lazy Mountain, Alaska

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

The average cost of full coverage in the Lazy Mountain rose by $227 in January compared to $210 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Lazy Mountain rose to $53 in January, compared to $49 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lazy Mountain?

The car insurance in Lazy Mountain is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Lazy Mountain?

The cheapest car insurance in Lazy Mountain is $166 per month for full coverage.

How much is car insurance in Lazy Mountain for teenagers?

Car insurance for teenagers costs $1845 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 Lazy Mountain?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $210 per month to insure your car in Lazy Mountain.

Is car insurance expensive in Lazy Mountain?

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

What is the best car insurance in Lazy Mountain, AK?

The best car insurance company in Lazy Mountain AK is Progressive, offering $983 for a six-month policy.