Cheapest Car Insurance Quotes in Valdez

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Valdez 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 Valdez

The car insurance rate in Valdez is $1062 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $838, making it a popular choice for budget-conscious drivers. Rates in Valdez 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 Valdez

$1062

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Valdez

1st place: Progressive

At $838 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $891 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 $966 for six months, making it the third cheapest auto insurance company in Valdez.

Valdez Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valdez, AK is Progressive, offering policies at just $838 for a six-month term. This is followed by USAA, which has an average six-month premium of $891.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1467 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valdez drivers find the best deals.

Cheap Car Insurance Companies in Valdez, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$838	$141
USAA	$891	$150
State Farm	$966	$163
Umialik	$1152	$194
Allstate	$1467	$250

Key Takeaways

Way's key takeaways about car insurance in Valdez

The auto insurance costs in Valdez fall around $838 for six months.
The cheapest auto insurance company in Valdez is USAA.
Teen drivers pay the highest rate in Valdez at $597 per month.

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Cheapest Minimum Liability Car Insurance in Valdez

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 Valdez are given below.

USAA provides the cheapest minimum car insurance coverage in Valdez. Their Average 6 Month Premium is $186. Allstate is the most expensive at $320 for the same period.

Cheapest Liability Coverage in Valdez, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$186	$31
Progressive	$273	$46
State Farm	$309	$52
Umialik	$309	$52
Allstate	$320	$54

Cheapest Full Coverage Car Insurance in Valdez

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 Valdez is Progressive at $141 per month and $838 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valdez, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$838	$141
USAA	$891	$150
State Farm	$966	$163
Umialik	$1152	$194
Allstate	$1467	$250

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Average Car Insurance in Valdez 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 Valdez, AK increasing?

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

Car Insurance Premiums by Age in Valdez

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	$598
30s	USAA	$452
40s	USAA	$417
50s	USAA	$394
60s	USAA	$409
70s	USAA	$501

Cheapest Car Insurance Rates for Teen Drivers in Valdez,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Valdez at $268 per month. At $3510 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1572	$268
Progressive	$1590	$268
State Farm	$1810	$305
Umialik	$2590	$432
Allstate	$3510	$597

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 Valdez.

As young drivers face the highest rates in Valdez, USAA offers the cheapest auto insurance rates at $598 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 Valdez, Progressive is the cheapest car insurance provider. At $861 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 Valdez is State Farm, offering rates of around $3906 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$861	$145
Allstate	$1071	$180
Umialik	$1083	$182
USAA	$1194	$203
State Farm	$3906	$651

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Car Insurance Rates with An Accident in Valdez

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

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

The cheapest car insurance companies after an at-fault accident in Valdez include Umialik and State Farm, offering $576 and $634, respectively. Allstate is an expensive provider with an average six-month premium of $1426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$576	$97
State Farm	$634	$107
USAA	$640	$108
Progressive	$931	$157
Allstate	$1426	$240

Valdez Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valdez AK. For example, the car insurance in Valdez after a DUI increases to $495 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

Valdez auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1024	$171
Not-at-fault accident	$1030	$175
One comp claim	$1030	$172
One Med/PIP claim	$1030	$175
Two comp claims	$1030	$172
Two Med/PIP claims	$1030	$175
Failure to show documents	$1117	$186
At-fault accident - less than $1000	$1152	$196
Failure to wear a seat belt	$1176	$196
Child safety restraint	$1188	$202
Driving without lights	$1188	$198
Cell phone violation	$1211	$206
Driving too slowly	$1211	$202
In 65 MPH zone	$1211	$206
Speeding 11 - 15 MPH over limit	$1211	$202
Speeding 16 - 20 MPH over limit	$1211	$206
Speeding 6 - 10 MPH over limit	$1211	$202
Speeding in school zone	$1211	$206
Texting while driving	$1211	$202
Driving with expired registration	$1228	$209
Failure to stop at a red light	$1228	$205
Failure to yield	$1228	$209
Following too closely	$1228	$205
Illegal turn	$1228	$209
Improper passing	$1228	$205
Wrong way/wrong lane	$1228	$209
Speeding 21 - 25 MPH over limit	$1251	$209
Passing school bus	$1263	$215
Operating a vehicle without permission	$1275	$213
Open container	$1374	$233
At-fault accident - $1000-$2000	$1397	$233
At-fault accident - greater than $2000	$1397	$237
Driving with a suspended license	$1455	$243
Refusal to submit to a chemical test	$1461	$249
Reckless driving	$1496	$249
DUI	$1519	$259
Racing	$1601	$267
Leaving scene of an accident/hit and run	$1606	$273

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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 Valdez 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 Valdez.

The cheapest car insurance premiums in Valdez are offered by Umialik at $733 for a six-month policy. However, it can be as expensive as $1990 with companies like Allstate.

Valdez car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$733	$123
Progressive	$931	$157
USAA	$1315	$221
State Farm	$1420	$239
Allstate	$1990	$335

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 Valdez are offered by Umialik at $617. However, it can be as expensive as $1519 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Valdez after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$617	$104
USAA	$856	$145
State Farm	$937	$158
Progressive	$1002	$169
Allstate	$1519	$253

Car Insurance Price Trends in Valdez, Alaska

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

The average cost of full coverage in the Valdez rose by $193 in January compared to $179 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Valdez 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 Valdez?

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

What is the cheapest car insurance in Valdez?

The cheapest car insurance in Valdez is $141 per month for full coverage.

How much is car insurance in Valdez for teenagers?

Car insurance for teenagers costs $1572 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 Valdez?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $179 per month to insure your car in Valdez.

Is car insurance expensive in Valdez?

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

What is the best car insurance in Valdez, AK?

The best car insurance company in Valdez AK is Progressive, offering $838 for a six-month policy.