Cheapest Car Insurance Quotes in Saxman

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Saxman Car Insurance

^$ 25

/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 Saxman

The car insurance rate in Saxman is $852 for a six-month policy, which is $175 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $710, making it a popular choice for budget-conscious drivers. Rates in Saxman 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 Saxman

$852

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Saxman

1st place: Progressive

At $710 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $754 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 $818 for six months, making it the third cheapest auto insurance company in Saxman.

Saxman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Saxman, AK is Progressive, offering policies at just $710 for a six-month term. This is followed by USAA, which has an average six-month premium of $754.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $617 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saxman drivers find the best deals.

Cheap Car Insurance Companies in Saxman, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$710	$120
USAA	$754	$127
State Farm	$818	$138
Umialik	$976	$164
Allstate	$1243	$212
Western National	$617	$103

Key Takeaways

Way's key takeaways about car insurance in Saxman

The auto insurance costs in Saxman fall around $710 for six months.
The cheapest auto insurance company in Saxman is USAA.
Teen drivers pay the highest rate in Saxman at $78 per month.

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Cheapest Minimum Liability Car Insurance in Saxman

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 Saxman are given below.

USAA provides the cheapest minimum car insurance coverage in Saxman. Their Average 6 Month Premium is $148. Western National is the most expensive at $217 for the same period.

Cheapest Liability Coverage in Saxman, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$148	$25
Progressive	$217	$37
State Farm	$237	$40
Allstate	$247	$42
Umialik	$247	$42
Western National	$217	$37

Cheapest Full Coverage Car Insurance in Saxman

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 Saxman is Progressive at $120 per month and $710 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saxman, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$710	$120
USAA	$754	$127
State Farm	$818	$138
Umialik	$976	$164
Allstate	$1243	$212
Western National	$617	$103

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Average Car Insurance in Saxman 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 Saxman, AK increasing?

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

Car Insurance Premiums by Age in Saxman

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	$510
30s	USAA	$386
40s	USAA	$357
50s	USAA	$336
60s	USAA	$349
70s	USAA	$427

Cheapest Car Insurance Rates for Teen Drivers in Saxman,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Saxman at $172 per month. At $458 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	$1021	$172
USAA	$1179	$197
Umialik	$1873	$319
Progressive	$1898	$320
Allstate	$2016	$343
Western National	$458	$78

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 Saxman.

As young drivers face the highest rates in Saxman, USAA offers the cheapest auto insurance rates at $510 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 Saxman, Allstate is the cheapest car insurance provider. At $666 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 Saxman is Western National, offering rates of around $488 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$666	$112
Progressive	$789	$133
Umialik	$803	$135
USAA	$902	$154
State Farm	$2110	$352
Western National	$488	$81

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Car Insurance Rates with An Accident in Saxman

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

Cheapest Car Insurance Companies after an At-Fault Accident in Saxman

The cheapest car insurance companies after an at-fault accident in Saxman include State Farm and Umialik, offering $414 and $439, respectively. Western National is an expensive provider with an average six-month premium of $217.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$414	$70
Umialik	$439	$74
USAA	$498	$84
Allstate	$774	$130
Progressive	$833	$140
Western National	$217	$37

Saxman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Saxman AK. For example, the car insurance in Saxman after a DUI increases to $420 for a six month policy. While the rate increases by $159 for a six-month policy in the case of a speeding ticket.

Saxman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$867	$144
Not-at-fault accident	$872	$149
One comp claim	$872	$145
One Med/PIP claim	$872	$149
Two comp claims	$872	$145
Two Med/PIP claims	$872	$149
Failure to show documents	$946	$158
At-fault accident - less than $1000	$976	$166
Failure to wear a seat belt	$996	$166
Child safety restraint	$1006	$171
Driving without lights	$1006	$168
Cell phone violation	$1026	$174
Driving too slowly	$1026	$171
In 65 MPH zone	$1026	$174
Speeding 11 - 15 MPH over limit	$1026	$171
Speeding 16 - 20 MPH over limit	$1026	$174
Speeding 6 - 10 MPH over limit	$1026	$171
Speeding in school zone	$1026	$174
Texting while driving	$1026	$171
Driving with expired registration	$1040	$177
Failure to stop at a red light	$1040	$173
Failure to yield	$1040	$177
Following too closely	$1040	$173
Illegal turn	$1040	$177
Improper passing	$1040	$173
Wrong way/wrong lane	$1040	$177
Speeding 21 - 25 MPH over limit	$1060	$177
Passing school bus	$1070	$182
Operating a vehicle without permission	$1080	$180
Open container	$1164	$198
At-fault accident - $1000-$2000	$1184	$198
At-fault accident - greater than $2000	$1184	$201
Driving with a suspended license	$1233	$206
Refusal to submit to a chemical test	$1238	$211
Reckless driving	$1267	$211
DUI	$1287	$219
Racing	$1356	$226
Leaving scene of an accident/hit and run	$1360	$232

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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 Saxman 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 Saxman.

The cheapest car insurance premiums in Saxman are offered by Umialik at $572 for a six-month policy. However, it can be as expensive as $217 with companies like Western National.

Saxman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$572	$96
Progressive	$808	$136
State Farm	$976	$164
USAA	$1055	$178
Allstate	$1435	$242
Western National	$217	$37

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 Saxman are offered by Umialik at $449. However, it can be as expensive as $217 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Saxman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$449	$76
State Farm	$582	$98
USAA	$617	$103
Allstate	$843	$144
Progressive	$848	$143
Western National	$217	$37

Car Insurance Price Trends in Saxman, Alaska

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

The average cost of full coverage in the Saxman rose by $152 in December compared to $148 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Saxman rose to $36 in December, compared to $34 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 Saxman?

The car insurance in Saxman is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Saxman?

The cheapest car insurance in Saxman is $120 per month for full coverage.

How much is car insurance in Saxman for teenagers?

Car insurance for teenagers costs $1021 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 Saxman?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $144 per month to insure your car in Saxman.

Is car insurance expensive in Saxman?

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

What is the best car insurance in Saxman, AK?

The best car insurance company in Saxman AK is Progressive, offering $710 for a six-month policy.