Cheapest Car Insurance Quotes in South Van Horn

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South Van Horn Car Insurance

^$ 33

/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 South Van Horn

The car insurance rate in South Van Horn is $1140 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $949, making it a popular choice for budget-conscious drivers. Rates in South Van Horn 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 South Van Horn

$1140

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in South Van Horn

1st place: Progressive

At $949 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1009 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 $1094 for six months, making it the third cheapest auto insurance company in South Van Horn.

South Van Horn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Van Horn, AK is Progressive, offering policies at just $949 for a six-month term. This is followed by USAA, which has an average six-month premium of $1009.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Van Horn drivers find the best deals.

Cheap Car Insurance Companies in South Van Horn, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$949	$160
USAA	$1009	$170
State Farm	$1094	$184
Umialik	$1305	$220
Allstate	$1662	$283
Western National	$825	$138

Key Takeaways

Way's key takeaways about car insurance in South Van Horn

The auto insurance costs in South Van Horn fall around $949 for six months.
The cheapest auto insurance company in South Van Horn is USAA.
Teen drivers pay the highest rate in South Van Horn at $104 per month.

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Cheapest Minimum Liability Car Insurance in South Van Horn

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 South Van Horn are given below.

USAA provides the cheapest minimum car insurance coverage in South Van Horn. Their Average 6 Month Premium is $198. Western National is the most expensive at $290 for the same period.

Cheapest Liability Coverage in South Van Horn, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$198	$33
Progressive	$290	$49
State Farm	$316	$53
Allstate	$330	$56
Umialik	$330	$56
Western National	$290	$49

Cheapest Full Coverage Car Insurance in South Van Horn

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 South Van Horn is Progressive at $160 per month and $949 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Van Horn, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$949	$160
USAA	$1009	$170
State Farm	$1094	$184
Umialik	$1305	$220
Allstate	$1662	$283
Western National	$825	$138

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Average Car Insurance in South Van Horn 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 South Van Horn, AK increasing?

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

Car Insurance Premiums by Age in South Van Horn

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	$683
30s	USAA	$516
40s	USAA	$477
50s	USAA	$450
60s	USAA	$466
70s	USAA	$572

Cheapest Car Insurance Rates for Teen Drivers in South Van Horn,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the South Van Horn at $230 per month. At $613 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	$1365	$230
USAA	$1576	$263
Umialik	$2505	$426
Progressive	$2539	$427
Allstate	$2696	$458
Western National	$613	$104

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 South Van Horn.

As young drivers face the highest rates in South Van Horn, USAA offers the cheapest auto insurance rates at $683 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 South Van Horn, Allstate is the cheapest car insurance provider. At $890 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 South Van Horn is Western National, offering rates of around $653 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$890	$150
Progressive	$1055	$178
Umialik	$1074	$181
USAA	$1207	$205
State Farm	$2822	$471
Western National	$653	$109

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Car Insurance Rates with An Accident in South Van Horn

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 South Van Horn, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Van Horn

The cheapest car insurance companies after an at-fault accident in South Van Horn include State Farm and Umialik, offering $554 and $587, respectively. Western National is an expensive provider with an average six-month premium of $290.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$554	$93
Umialik	$587	$99
USAA	$666	$112
Allstate	$1036	$174
Progressive	$1114	$188
Western National	$290	$49

South Van Horn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Van Horn AK. For example, the car insurance in South Van Horn after a DUI increases to $561 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

South Van Horn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1160	$193
Not-at-fault accident	$1167	$199
One comp claim	$1167	$194
One Med/PIP claim	$1167	$199
Two comp claims	$1167	$194
Two Med/PIP claims	$1167	$199
Failure to show documents	$1265	$211
At-fault accident - less than $1000	$1305	$222
Failure to wear a seat belt	$1332	$222
Child safety restraint	$1345	$229
Driving without lights	$1345	$224
Cell phone violation	$1372	$233
Driving too slowly	$1372	$229
In 65 MPH zone	$1372	$233
Speeding 11 - 15 MPH over limit	$1372	$229
Speeding 16 - 20 MPH over limit	$1372	$233
Speeding 6 - 10 MPH over limit	$1372	$229
Speeding in school zone	$1372	$233
Texting while driving	$1372	$229
Driving with expired registration	$1391	$236
Failure to stop at a red light	$1391	$232
Failure to yield	$1391	$236
Following too closely	$1391	$232
Illegal turn	$1391	$236
Improper passing	$1391	$232
Wrong way/wrong lane	$1391	$236
Speeding 21 - 25 MPH over limit	$1417	$236
Passing school bus	$1431	$243
Operating a vehicle without permission	$1444	$241
Open container	$1556	$264
At-fault accident - $1000-$2000	$1583	$264
At-fault accident - greater than $2000	$1583	$269
Driving with a suspended license	$1648	$275
Refusal to submit to a chemical test	$1655	$282
Reckless driving	$1695	$282
DUI	$1721	$293
Racing	$1814	$302
Leaving scene of an accident/hit and run	$1819	$310

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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 South Van Horn 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 South Van Horn.

The cheapest car insurance premiums in South Van Horn are offered by Umialik at $765 for a six-month policy. However, it can be as expensive as $290 with companies like Western National.

South Van Horn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$765	$129
Progressive	$1081	$182
State Farm	$1305	$220
USAA	$1411	$238
Allstate	$1919	$323
Western National	$290	$49

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 South Van Horn are offered by Umialik at $601. However, it can be as expensive as $290 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in South Van Horn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$601	$101
State Farm	$778	$131
USAA	$825	$138
Allstate	$1128	$192
Progressive	$1134	$191
Western National	$290	$49

Car Insurance Price Trends in South Van Horn, Alaska

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

The average cost of full coverage in the South Van Horn rose by $203 in December compared to $198 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the South Van Horn rose to $48 in December, compared to $46 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 South Van Horn?

The car insurance in South Van Horn is $33 per month, which is lower than the national average.

What is the cheapest car insurance in South Van Horn?

The cheapest car insurance in South Van Horn is $160 per month for full coverage.

How much is car insurance in South Van Horn for teenagers?

Car insurance for teenagers costs $1365 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 South Van Horn?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $192 per month to insure your car in South Van Horn.

Is car insurance expensive in South Van Horn?

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

What is the best car insurance in South Van Horn, AK?

The best car insurance company in South Van Horn AK is Progressive, offering $949 for a six-month policy.