Cheapest Car Insurance Quotes in Womens Bay

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Womens Bay Car Insurance

^$ 29

/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 Womens Bay

The car insurance rate in Womens Bay is $997 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $787, making it a popular choice for budget-conscious drivers. Rates in Womens Bay 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 Womens Bay

$997

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Womens Bay

1st place: Progressive

At $787 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $836 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 $907 for six months, making it the third cheapest auto insurance company in Womens Bay.

Womens Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Womens Bay, AK is Progressive, offering policies at just $787 for a six-month term. This is followed by USAA, which has an average six-month premium of $836.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1377 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Womens Bay drivers find the best deals.

Cheap Car Insurance Companies in Womens Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$787	$132
USAA	$836	$141
State Farm	$907	$153
Umialik	$1082	$182
Allstate	$1377	$235

Key Takeaways

Way's key takeaways about car insurance in Womens Bay

The auto insurance costs in Womens Bay fall around $787 for six months.
The cheapest auto insurance company in Womens Bay is USAA.
Teen drivers pay the highest rate in Womens Bay at $560 per month.

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Cheapest Minimum Liability Car Insurance in Womens Bay

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 Womens Bay are given below.

USAA provides the cheapest minimum car insurance coverage in Womens Bay. Their Average 6 Month Premium is $175. Allstate is the most expensive at $301 for the same period.

Cheapest Liability Coverage in Womens Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$29
Progressive	$257	$43
State Farm	$290	$49
Umialik	$290	$49
Allstate	$301	$51

Cheapest Full Coverage Car Insurance in Womens Bay

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 Womens Bay is Progressive at $132 per month and $787 for six months.

Cheapest Full Coverage Car Insurance Quotes in Womens Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$787	$132
USAA	$836	$141
State Farm	$907	$153
Umialik	$1082	$182
Allstate	$1377	$235

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Average Car Insurance in Womens Bay 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 Womens Bay, AK increasing?

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

Car Insurance Premiums by Age in Womens Bay

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	$561
30s	USAA	$424
40s	USAA	$392
50s	USAA	$370
60s	USAA	$384
70s	USAA	$470

Cheapest Car Insurance Rates for Teen Drivers in Womens Bay,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Womens Bay at $251 per month. At $3295 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1476	$251
Progressive	$1492	$251
State Farm	$1699	$286
Umialik	$2432	$406
Allstate	$3295	$560

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 Womens Bay.

As young drivers face the highest rates in Womens Bay, USAA offers the cheapest auto insurance rates at $561 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 Womens Bay, Progressive is the cheapest car insurance provider. At $809 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 Womens Bay is State Farm, offering rates of around $3667 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$809	$136
Allstate	$1006	$169
Umialik	$1017	$171
USAA	$1121	$190
State Farm	$3667	$611

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Car Insurance Rates with An Accident in Womens Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Womens Bay

The cheapest car insurance companies after an at-fault accident in Womens Bay include Umialik and State Farm, offering $541 and $595, respectively. Allstate is an expensive provider with an average six-month premium of $1339.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$541	$91
State Farm	$595	$100
USAA	$601	$101
Progressive	$874	$147
Allstate	$1339	$225

Womens Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Womens Bay AK. For example, the car insurance in Womens Bay after a DUI increases to $465 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Womens Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$961	$160
Not-at-fault accident	$967	$165
One comp claim	$967	$161
One Med/PIP claim	$967	$165
Two comp claims	$967	$161
Two Med/PIP claims	$967	$165
Failure to show documents	$1049	$175
At-fault accident - less than $1000	$1082	$184
Failure to wear a seat belt	$1104	$184
Child safety restraint	$1115	$190
Driving without lights	$1115	$186
Cell phone violation	$1137	$193
Driving too slowly	$1137	$190
In 65 MPH zone	$1137	$193
Speeding 11 - 15 MPH over limit	$1137	$190
Speeding 16 - 20 MPH over limit	$1137	$193
Speeding 6 - 10 MPH over limit	$1137	$190
Speeding in school zone	$1137	$193
Texting while driving	$1137	$190
Driving with expired registration	$1153	$196
Failure to stop at a red light	$1153	$192
Failure to yield	$1153	$196
Following too closely	$1153	$192
Illegal turn	$1153	$196
Improper passing	$1153	$192
Wrong way/wrong lane	$1153	$196
Speeding 21 - 25 MPH over limit	$1175	$196
Passing school bus	$1186	$201
Operating a vehicle without permission	$1197	$200
Open container	$1290	$219
At-fault accident - $1000-$2000	$1312	$219
At-fault accident - greater than $2000	$1312	$223
Driving with a suspended license	$1366	$228
Refusal to submit to a chemical test	$1372	$234
Reckless driving	$1405	$234
DUI	$1426	$243
Racing	$1503	$250
Leaving scene of an accident/hit and run	$1508	$257

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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 Womens Bay 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 Womens Bay.

The cheapest car insurance premiums in Womens Bay are offered by Umialik at $688 for a six-month policy. However, it can be as expensive as $1869 with companies like Allstate.

Womens Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$688	$116
Progressive	$874	$147
USAA	$1235	$208
State Farm	$1333	$224
Allstate	$1869	$315

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 Womens Bay are offered by Umialik at $580. However, it can be as expensive as $1426 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Womens Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$580	$98
USAA	$803	$136
State Farm	$880	$148
Progressive	$940	$158
Allstate	$1426	$237

Car Insurance Price Trends in Womens Bay, Alaska

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

The average cost of full coverage in the Womens Bay rose by $181 in January compared to $168 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 Womens Bay rose to $42 in January, compared to $40 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Womens Bay?

The car insurance in Womens Bay is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Womens Bay?

The cheapest car insurance in Womens Bay is $132 per month for full coverage.

How much is car insurance in Womens Bay for teenagers?

Car insurance for teenagers costs $1476 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 Womens Bay?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $168 per month to insure your car in Womens Bay.

Is car insurance expensive in Womens Bay?

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

What is the best car insurance in Womens Bay, AK?

The best car insurance company in Womens Bay AK is Progressive, offering $787 for a six-month policy.