Cheapest Car Insurance Quotes in Port Lions

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Port Lions 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 Port Lions

The car insurance rate in Port Lions is $1008 for a six-month policy, which is $76 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Port Lions 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 Port Lions

$1008

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Port Lions

1st place: Progressive

At $795 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $845 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 $917 for six months, making it the third cheapest auto insurance company in Port Lions.

Port Lions Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Lions, AK is Progressive, offering policies at just $795 for a six-month term. This is followed by USAA, which has an average six-month premium of $845.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1392 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Lions drivers find the best deals.

Cheap Car Insurance Companies in Port Lions, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$795	$134
USAA	$845	$142
State Farm	$917	$154
Umialik	$1094	$184
Allstate	$1392	$237

Key Takeaways

Way's key takeaways about car insurance in Port Lions

The auto insurance costs in Port Lions fall around $795 for six months.
The cheapest auto insurance company in Port Lions is USAA.
Teen drivers pay the highest rate in Port Lions at $566 per month.

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Cheapest Minimum Liability Car Insurance in Port Lions

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 Port Lions are given below.

USAA provides the cheapest minimum car insurance coverage in Port Lions. Their Average 6 Month Premium is $177. Allstate is the most expensive at $304 for the same period.

Cheapest Liability Coverage in Port Lions, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$177	$30
Progressive	$259	$44
State Farm	$293	$49
Umialik	$293	$49
Allstate	$304	$51

Cheapest Full Coverage Car Insurance in Port Lions

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 Port Lions is Progressive at $134 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Lions, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$795	$134
USAA	$845	$142
State Farm	$917	$154
Umialik	$1094	$184
Allstate	$1392	$237

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Average Car Insurance in Port Lions 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 Port Lions, AK increasing?

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

Car Insurance Premiums by Age in Port Lions

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	$567
30s	USAA	$429
40s	USAA	$396
50s	USAA	$374
60s	USAA	$388
70s	USAA	$475

Cheapest Car Insurance Rates for Teen Drivers in Port Lions,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Port Lions at $254 per month. At $3331 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1492	$254
Progressive	$1508	$254
State Farm	$1718	$289
Umialik	$2458	$410
Allstate	$3331	$566

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 Port Lions.

As young drivers face the highest rates in Port Lions, USAA offers the cheapest auto insurance rates at $567 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 Port Lions, Progressive is the cheapest car insurance provider. At $817 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 Port Lions is State Farm, offering rates of around $3707 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$817	$138
Allstate	$1016	$171
Umialik	$1028	$173
USAA	$1133	$193
State Farm	$3707	$618

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Car Insurance Rates with An Accident in Port Lions

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Lions

The cheapest car insurance companies after an at-fault accident in Port Lions include Umialik and State Farm, offering $547 and $602, respectively. Allstate is an expensive provider with an average six-month premium of $1353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$547	$92
State Farm	$602	$101
USAA	$607	$102
Progressive	$884	$149
Allstate	$1353	$228

Port Lions Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Lions AK. For example, the car insurance in Port Lions after a DUI increases to $470 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

Port Lions auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
Not-at-fault accident	$977	$166
One comp claim	$977	$163
One Med/PIP claim	$977	$166
Two comp claims	$977	$163
Two Med/PIP claims	$977	$166
Failure to show documents	$1060	$177
At-fault accident - less than $1000	$1094	$186
Failure to wear a seat belt	$1116	$186
Child safety restraint	$1127	$192
Driving without lights	$1127	$188
Cell phone violation	$1149	$195
Driving too slowly	$1149	$192
In 65 MPH zone	$1149	$195
Speeding 11 - 15 MPH over limit	$1149	$192
Speeding 16 - 20 MPH over limit	$1149	$195
Speeding 6 - 10 MPH over limit	$1149	$192
Speeding in school zone	$1149	$195
Texting while driving	$1149	$192
Driving with expired registration	$1165	$198
Failure to stop at a red light	$1165	$194
Failure to yield	$1165	$198
Following too closely	$1165	$194
Illegal turn	$1165	$198
Improper passing	$1165	$194
Wrong way/wrong lane	$1165	$198
Speeding 21 - 25 MPH over limit	$1188	$198
Passing school bus	$1199	$204
Operating a vehicle without permission	$1210	$202
Open container	$1304	$221
At-fault accident - $1000-$2000	$1326	$221
At-fault accident - greater than $2000	$1326	$225
Driving with a suspended license	$1381	$231
Refusal to submit to a chemical test	$1387	$236
Reckless driving	$1420	$236
DUI	$1442	$246
Racing	$1520	$253
Leaving scene of an accident/hit and run	$1524	$259

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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 Port Lions 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 Port Lions.

The cheapest car insurance premiums in Port Lions are offered by Umialik at $696 for a six-month policy. However, it can be as expensive as $1889 with companies like Allstate.

Port Lions car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$696	$117
Progressive	$884	$149
USAA	$1248	$210
State Farm	$1348	$227
Allstate	$1889	$318

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 Port Lions are offered by Umialik at $586. However, it can be as expensive as $1442 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Port Lions after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$586	$99
USAA	$812	$138
State Farm	$889	$150
Progressive	$950	$160
Allstate	$1442	$240

Car Insurance Price Trends in Port Lions, Alaska

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

The average cost of full coverage in the Port Lions rose by $183 in January compared to $170 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 Port Lions 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 Port Lions?

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

What is the cheapest car insurance in Port Lions?

The cheapest car insurance in Port Lions is $134 per month for full coverage.

How much is car insurance in Port Lions for teenagers?

Car insurance for teenagers costs $1492 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 Port Lions?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $170 per month to insure your car in Port Lions.

Is car insurance expensive in Port Lions?

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

What is the best car insurance in Port Lions, AK?

The best car insurance company in Port Lions AK is Progressive, offering $795 for a six-month policy.