Cheapest Car Insurance Quotes in Womens Bay

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Womens Bay Car Insurance

^$ 28

/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 $965 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $804, 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

$965

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Womens Bay

1st place: Progressive

At $804 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $854 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 $927 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 $804 for a six-month term. This is followed by USAA, which has an average six-month premium of $854.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $698 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	$804	$135
USAA	$854	$144
State Farm	$927	$156
Umialik	$1105	$186
Allstate	$1407	$240
Western National	$698	$117

Key Takeaways

Way's key takeaways about car insurance in Womens Bay

The auto insurance costs in Womens Bay fall around $804 for six months.
The cheapest auto insurance company in Womens Bay is USAA.
Teen drivers pay the highest rate in Womens Bay at $88 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 $167. Western National is the most expensive at $245 for the same period.

Cheapest Liability Coverage in Womens Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$167	$28
Progressive	$245	$41
State Farm	$268	$45
Allstate	$279	$47
Umialik	$279	$47
Western National	$245	$41

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 $135 per month and $804 for six months.

Cheapest Full Coverage Car Insurance Quotes in Womens Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$804	$135
USAA	$854	$144
State Farm	$927	$156
Umialik	$1105	$186
Allstate	$1407	$240
Western National	$698	$117

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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	$578
30s	USAA	$437
40s	USAA	$404
50s	USAA	$381
60s	USAA	$395
70s	USAA	$484

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, State Farm provides the cheapest car insurance in the Womens Bay at $195 per month. At $519 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	$1156	$195
USAA	$1335	$223
Umialik	$2122	$361
Progressive	$2150	$362
Allstate	$2283	$388
Western National	$519	$88

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 $578 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, Allstate is the cheapest car insurance provider. At $754 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 Western National, offering rates of around $553 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$754	$127
Progressive	$893	$150
Umialik	$910	$153
USAA	$1022	$174
State Farm	$2389	$399
Western National	$553	$92

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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 State Farm and Umialik, offering $469 and $497, respectively. Western National is an expensive provider with an average six-month premium of $245.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$469	$79
Umialik	$497	$84
USAA	$564	$95
Allstate	$877	$148
Progressive	$944	$159
Western National	$245	$41

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 $475 for a six month policy. While the rate increases by $180 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	$982	$164
Not-at-fault accident	$988	$168
One comp claim	$988	$165
One Med/PIP claim	$988	$168
Two comp claims	$988	$165
Two Med/PIP claims	$988	$168
Failure to show documents	$1072	$179
At-fault accident - less than $1000	$1105	$188
Failure to wear a seat belt	$1128	$188
Child safety restraint	$1139	$194
Driving without lights	$1139	$190
Cell phone violation	$1162	$197
Driving too slowly	$1162	$194
In 65 MPH zone	$1162	$197
Speeding 11 - 15 MPH over limit	$1162	$194
Speeding 16 - 20 MPH over limit	$1162	$197
Speeding 6 - 10 MPH over limit	$1162	$194
Speeding in school zone	$1162	$197
Texting while driving	$1162	$194
Driving with expired registration	$1178	$200
Failure to stop at a red light	$1178	$196
Failure to yield	$1178	$200
Following too closely	$1178	$196
Illegal turn	$1178	$200
Improper passing	$1178	$196
Wrong way/wrong lane	$1178	$200
Speeding 21 - 25 MPH over limit	$1200	$200
Passing school bus	$1212	$206
Operating a vehicle without permission	$1223	$204
Open container	$1318	$224
At-fault accident - $1000-$2000	$1340	$224
At-fault accident - greater than $2000	$1340	$227
Driving with a suspended license	$1396	$233
Refusal to submit to a chemical test	$1402	$239
Reckless driving	$1435	$239
DUI	$1457	$248
Racing	$1536	$256
Leaving scene of an accident/hit and run	$1541	$262

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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 $648 for a six-month policy. However, it can be as expensive as $245 with companies like Western National.

Womens Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$648	$109
Progressive	$916	$154
State Farm	$1105	$186
USAA	$1195	$201
Allstate	$1625	$274
Western National	$245	$41

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 $509. However, it can be as expensive as $245 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Womens Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$509	$86
State Farm	$659	$111
USAA	$698	$117
Allstate	$955	$163
Progressive	$961	$162
Western National	$245	$41

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 $172 in December compared to $167 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 Womens Bay rose to $40 in December, compared to $39 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Womens Bay?

The car insurance in Womens Bay is $28 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 $135 per month for full coverage.

How much is car insurance in Womens Bay for teenagers?

Car insurance for teenagers costs $1156 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 $1027 for a six-month policy. It will cost around $163 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 $804 for a six-month policy.