Cheapest Car Insurance Quotes in Moose Pass

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Moose Pass Car Insurance

^$ 31

/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 Moose Pass

The car insurance rate in Moose Pass is $1051 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $829, making it a popular choice for budget-conscious drivers. Rates in Moose Pass 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 Moose Pass

$1051

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Moose Pass

1st place: Progressive

At $829 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $882 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 $956 for six months, making it the third cheapest auto insurance company in Moose Pass.

Moose Pass Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moose Pass, AK is Progressive, offering policies at just $829 for a six-month term. This is followed by USAA, which has an average six-month premium of $882.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1452 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moose Pass drivers find the best deals.

Cheap Car Insurance Companies in Moose Pass, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$829	$140
USAA	$882	$148
State Farm	$956	$161
Umialik	$1141	$192
Allstate	$1452	$247

Key Takeaways

Way's key takeaways about car insurance in Moose Pass

The auto insurance costs in Moose Pass fall around $829 for six months.
The cheapest auto insurance company in Moose Pass is USAA.
Teen drivers pay the highest rate in Moose Pass at $591 per month.

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Cheapest Minimum Liability Car Insurance in Moose Pass

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 Moose Pass are given below.

USAA provides the cheapest minimum car insurance coverage in Moose Pass. Their Average 6 Month Premium is $184. Allstate is the most expensive at $317 for the same period.

Cheapest Liability Coverage in Moose Pass, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$184	$31
Progressive	$271	$46
State Farm	$306	$51
Umialik	$306	$51
Allstate	$317	$53

Cheapest Full Coverage Car Insurance in Moose Pass

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 Moose Pass is Progressive at $140 per month and $829 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moose Pass, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$829	$140
USAA	$882	$148
State Farm	$956	$161
Umialik	$1141	$192
Allstate	$1452	$247

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Average Car Insurance in Moose Pass 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 Moose Pass, AK increasing?

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

Car Insurance Premiums by Age in Moose Pass

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	$592
30s	USAA	$447
40s	USAA	$413
50s	USAA	$390
60s	USAA	$404
70s	USAA	$496

Cheapest Car Insurance Rates for Teen Drivers in Moose Pass,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Moose Pass at $265 per month. At $3475 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1556	$265
Progressive	$1573	$265
State Farm	$1792	$302
Umialik	$2564	$428
Allstate	$3475	$591

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 Moose Pass.

As young drivers face the highest rates in Moose Pass, USAA offers the cheapest auto insurance rates at $592 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 Moose Pass, Progressive is the cheapest car insurance provider. At $853 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 Moose Pass is State Farm, offering rates of around $3866 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$853	$144
Allstate	$1060	$178
Umialik	$1072	$180
USAA	$1181	$201
State Farm	$3866	$644

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Car Insurance Rates with An Accident in Moose Pass

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

Cheapest Car Insurance Companies after an At-Fault Accident in Moose Pass

The cheapest car insurance companies after an at-fault accident in Moose Pass include Umialik and State Farm, offering $570 and $628, respectively. Allstate is an expensive provider with an average six-month premium of $1411.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$570	$96
State Farm	$628	$106
USAA	$633	$107
Progressive	$922	$155
Allstate	$1411	$238

Moose Pass Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moose Pass AK. For example, the car insurance in Moose Pass after a DUI increases to $490 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Moose Pass auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1014	$169
Not-at-fault accident	$1019	$174
One comp claim	$1019	$170
One Med/PIP claim	$1019	$174
Two comp claims	$1019	$170
Two Med/PIP claims	$1019	$174
Failure to show documents	$1106	$184
At-fault accident - less than $1000	$1141	$194
Failure to wear a seat belt	$1164	$194
Child safety restraint	$1176	$200
Driving without lights	$1176	$196
Cell phone violation	$1199	$204
Driving too slowly	$1199	$200
In 65 MPH zone	$1199	$204
Speeding 11 - 15 MPH over limit	$1199	$200
Speeding 16 - 20 MPH over limit	$1199	$204
Speeding 6 - 10 MPH over limit	$1199	$200
Speeding in school zone	$1199	$204
Texting while driving	$1199	$200
Driving with expired registration	$1215	$207
Failure to stop at a red light	$1215	$203
Failure to yield	$1215	$207
Following too closely	$1215	$203
Illegal turn	$1215	$207
Improper passing	$1215	$203
Wrong way/wrong lane	$1215	$207
Speeding 21 - 25 MPH over limit	$1239	$207
Passing school bus	$1250	$212
Operating a vehicle without permission	$1262	$210
Open container	$1360	$231
At-fault accident - $1000-$2000	$1383	$231
At-fault accident - greater than $2000	$1383	$235
Driving with a suspended license	$1440	$241
Refusal to submit to a chemical test	$1446	$246
Reckless driving	$1481	$246
DUI	$1504	$256
Racing	$1585	$264
Leaving scene of an accident/hit and run	$1590	$271

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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 Moose Pass 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 Moose Pass.

The cheapest car insurance premiums in Moose Pass are offered by Umialik at $726 for a six-month policy. However, it can be as expensive as $1970 with companies like Allstate.

Moose Pass car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$726	$122
Progressive	$922	$155
USAA	$1302	$219
State Farm	$1406	$237
Allstate	$1970	$332

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 Moose Pass are offered by Umialik at $611. However, it can be as expensive as $1504 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moose Pass after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$611	$103
USAA	$847	$144
State Farm	$927	$156
Progressive	$991	$167
Allstate	$1504	$250

Car Insurance Price Trends in Moose Pass, Alaska

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

The average cost of full coverage in the Moose Pass rose by $191 in January compared to $178 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 Moose Pass rose to $45 in January, compared to $42 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 Moose Pass?

The car insurance in Moose Pass is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Moose Pass?

The cheapest car insurance in Moose Pass is $140 per month for full coverage.

How much is car insurance in Moose Pass for teenagers?

Car insurance for teenagers costs $1556 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 Moose Pass?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $178 per month to insure your car in Moose Pass.

Is car insurance expensive in Moose Pass?

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

What is the best car insurance in Moose Pass, AK?

The best car insurance company in Moose Pass AK is Progressive, offering $829 for a six-month policy.