Cheapest Car Insurance Quotes in Point Baker

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Point Baker Car Insurance

^$ 27

/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 Point Baker

The car insurance rate in Point Baker is $911 for a six-month policy, which is $173 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $718, making it a popular choice for budget-conscious drivers. Rates in Point Baker 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 Point Baker

$911

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Point Baker

1st place: Progressive

At $718 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $764 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 $828 for six months, making it the third cheapest auto insurance company in Point Baker.

Point Baker Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Point Baker, AK is Progressive, offering policies at just $718 for a six-month term. This is followed by USAA, which has an average six-month premium of $764.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1257 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Point Baker drivers find the best deals.

Cheap Car Insurance Companies in Point Baker, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$718	$121
USAA	$764	$129
State Farm	$828	$139
Umialik	$988	$166
Allstate	$1257	$214

Key Takeaways

Way's key takeaways about car insurance in Point Baker

The auto insurance costs in Point Baker fall around $718 for six months.
The cheapest auto insurance company in Point Baker is USAA.
Teen drivers pay the highest rate in Point Baker at $512 per month.

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Cheapest Minimum Liability Car Insurance in Point Baker

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 Point Baker are given below.

USAA provides the cheapest minimum car insurance coverage in Point Baker. Their Average 6 Month Premium is $160. Allstate is the most expensive at $275 for the same period.

Cheapest Liability Coverage in Point Baker, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
Progressive	$234	$39
State Farm	$265	$45
Umialik	$265	$45
Allstate	$275	$46

Cheapest Full Coverage Car Insurance in Point Baker

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 Point Baker is Progressive at $121 per month and $718 for six months.

Cheapest Full Coverage Car Insurance Quotes in Point Baker, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$718	$121
USAA	$764	$129
State Farm	$828	$139
Umialik	$988	$166
Allstate	$1257	$214

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Average Car Insurance in Point Baker 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 Point Baker, AK increasing?

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

Car Insurance Premiums by Age in Point Baker

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	$512
30s	USAA	$387
40s	USAA	$358
50s	USAA	$338
60s	USAA	$350
70s	USAA	$429

Cheapest Car Insurance Rates for Teen Drivers in Point Baker,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Point Baker at $229 per month. At $3009 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1347	$229
Progressive	$1362	$229
State Farm	$1551	$261
Umialik	$2220	$370
Allstate	$3009	$512

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 Point Baker.

As young drivers face the highest rates in Point Baker, USAA offers the cheapest auto insurance rates at $512 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 Point Baker, Progressive is the cheapest car insurance provider. At $738 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 Point Baker is State Farm, offering rates of around $3348 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$738	$124
Allstate	$918	$155
Umialik	$928	$156
USAA	$1023	$174
State Farm	$3348	$558

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Car Insurance Rates with An Accident in Point Baker

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

Cheapest Car Insurance Companies after an At-Fault Accident in Point Baker

The cheapest car insurance companies after an at-fault accident in Point Baker include Umialik and State Farm, offering $494 and $543, respectively. Allstate is an expensive provider with an average six-month premium of $1222.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$494	$83
State Farm	$543	$92
USAA	$549	$92
Progressive	$798	$134
Allstate	$1222	$206

Point Baker Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Point Baker AK. For example, the car insurance in Point Baker after a DUI increases to $424 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Point Baker auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$878	$146
Not-at-fault accident	$883	$150
One comp claim	$883	$147
One Med/PIP claim	$883	$150
Two comp claims	$883	$147
Two Med/PIP claims	$883	$150
Failure to show documents	$958	$160
At-fault accident - less than $1000	$988	$168
Failure to wear a seat belt	$1008	$168
Child safety restraint	$1018	$173
Driving without lights	$1018	$170
Cell phone violation	$1038	$176
Driving too slowly	$1038	$173
In 65 MPH zone	$1038	$176
Speeding 11 - 15 MPH over limit	$1038	$173
Speeding 16 - 20 MPH over limit	$1038	$176
Speeding 6 - 10 MPH over limit	$1038	$173
Speeding in school zone	$1038	$176
Texting while driving	$1038	$173
Driving with expired registration	$1053	$179
Failure to stop at a red light	$1053	$176
Failure to yield	$1053	$179
Following too closely	$1053	$176
Illegal turn	$1053	$179
Improper passing	$1053	$176
Wrong way/wrong lane	$1053	$179
Speeding 21 - 25 MPH over limit	$1073	$179
Passing school bus	$1083	$184
Operating a vehicle without permission	$1093	$182
Open container	$1178	$200
At-fault accident - $1000-$2000	$1198	$200
At-fault accident - greater than $2000	$1198	$203
Driving with a suspended license	$1247	$208
Refusal to submit to a chemical test	$1252	$213
Reckless driving	$1283	$213
DUI	$1302	$222
Racing	$1373	$228
Leaving scene of an accident/hit and run	$1377	$234

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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 Point Baker 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 Point Baker.

The cheapest car insurance premiums in Point Baker are offered by Umialik at $628 for a six-month policy. However, it can be as expensive as $1706 with companies like Allstate.

Point Baker car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$628	$106
Progressive	$798	$134
USAA	$1127	$190
State Farm	$1217	$205
Allstate	$1706	$287

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 Point Baker are offered by Umialik at $529. However, it can be as expensive as $1302 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Point Baker after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$529	$89
USAA	$733	$124
State Farm	$803	$135
Progressive	$858	$144
Allstate	$1302	$217

Car Insurance Price Trends in Point Baker, Alaska

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

The average cost of full coverage in the Point Baker rose by $165 in January compared to $154 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Point Baker rose to $39 in January, compared to $36 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 Point Baker?

The car insurance in Point Baker is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Point Baker?

The cheapest car insurance in Point Baker is $121 per month for full coverage.

How much is car insurance in Point Baker for teenagers?

Car insurance for teenagers costs $1347 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 Point Baker?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $154 per month to insure your car in Point Baker.

Is car insurance expensive in Point Baker?

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

What is the best car insurance in Point Baker, AK?

The best car insurance company in Point Baker AK is Progressive, offering $718 for a six-month policy.