Cheapest Car Insurance Quotes in Yakutat

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Yakutat Car Insurance

^$ 27

/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 Yakutat

The car insurance rate in Yakutat is $914 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $761, making it a popular choice for budget-conscious drivers. Rates in Yakutat 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 Yakutat

$914

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Yakutat

1st place: Progressive

At $761 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $809 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 $878 for six months, making it the third cheapest auto insurance company in Yakutat.

Yakutat Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Yakutat, AK is Progressive, offering policies at just $761 for a six-month term. This is followed by USAA, which has an average six-month premium of $809.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $661 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Yakutat drivers find the best deals.

Cheap Car Insurance Companies in Yakutat, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$761	$128
USAA	$809	$136
State Farm	$878	$148
Umialik	$1047	$176
Allstate	$1332	$227
Western National	$661	$110

Key Takeaways

Way's key takeaways about car insurance in Yakutat

The auto insurance costs in Yakutat fall around $761 for six months.
The cheapest auto insurance company in Yakutat is USAA.
Teen drivers pay the highest rate in Yakutat at $84 per month.

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Cheapest Minimum Liability Car Insurance in Yakutat

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 Yakutat are given below.

USAA provides the cheapest minimum car insurance coverage in Yakutat. Their Average 6 Month Premium is $158. Western National is the most expensive at $232 for the same period.

Cheapest Liability Coverage in Yakutat, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$158	$27
Progressive	$232	$39
State Farm	$254	$43
Allstate	$264	$45
Umialik	$264	$45
Western National	$232	$39

Cheapest Full Coverage Car Insurance in Yakutat

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 Yakutat is Progressive at $128 per month and $761 for six months.

Cheapest Full Coverage Car Insurance Quotes in Yakutat, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$761	$128
USAA	$809	$136
State Farm	$878	$148
Umialik	$1047	$176
Allstate	$1332	$227
Western National	$661	$110

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Average Car Insurance in Yakutat 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 Yakutat, AK increasing?

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

Car Insurance Premiums by Age in Yakutat

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	$547
30s	USAA	$414
40s	USAA	$383
50s	USAA	$360
60s	USAA	$374
70s	USAA	$458

Cheapest Car Insurance Rates for Teen Drivers in Yakutat,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Yakutat at $184 per month. At $491 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	$1095	$184
USAA	$1264	$211
Umialik	$2009	$342
Progressive	$2035	$343
Allstate	$2162	$368
Western National	$491	$84

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 Yakutat.

As young drivers face the highest rates in Yakutat, USAA offers the cheapest auto insurance rates at $547 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 Yakutat, Allstate is the cheapest car insurance provider. At $714 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 Yakutat is Western National, offering rates of around $523 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$714	$120
Progressive	$846	$142
Umialik	$862	$145
USAA	$967	$165
State Farm	$2262	$377
Western National	$523	$87

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Car Insurance Rates with An Accident in Yakutat

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

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

The cheapest car insurance companies after an at-fault accident in Yakutat include State Farm and Umialik, offering $444 and $471, respectively. Western National is an expensive provider with an average six-month premium of $232.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$444	$75
Umialik	$471	$79
USAA	$534	$90
Allstate	$830	$140
Progressive	$894	$150
Western National	$232	$39

Yakutat Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Yakutat AK. For example, the car insurance in Yakutat after a DUI increases to $450 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Yakutat auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
Not-at-fault accident	$935	$159
One comp claim	$935	$156
One Med/PIP claim	$935	$159
Two comp claims	$935	$156
Two Med/PIP claims	$935	$159
Failure to show documents	$1015	$169
At-fault accident - less than $1000	$1047	$178
Failure to wear a seat belt	$1068	$178
Child safety restraint	$1079	$183
Driving without lights	$1079	$180
Cell phone violation	$1100	$187
Driving too slowly	$1100	$183
In 65 MPH zone	$1100	$187
Speeding 11 - 15 MPH over limit	$1100	$183
Speeding 16 - 20 MPH over limit	$1100	$187
Speeding 6 - 10 MPH over limit	$1100	$183
Speeding in school zone	$1100	$187
Texting while driving	$1100	$183
Driving with expired registration	$1115	$190
Failure to stop at a red light	$1115	$186
Failure to yield	$1115	$190
Following too closely	$1115	$186
Illegal turn	$1115	$190
Improper passing	$1115	$186
Wrong way/wrong lane	$1115	$190
Speeding 21 - 25 MPH over limit	$1137	$190
Passing school bus	$1147	$195
Operating a vehicle without permission	$1158	$193
Open container	$1248	$212
At-fault accident - $1000-$2000	$1269	$212
At-fault accident - greater than $2000	$1269	$215
Driving with a suspended license	$1322	$221
Refusal to submit to a chemical test	$1327	$226
Reckless driving	$1359	$226
DUI	$1380	$235
Racing	$1454	$242
Leaving scene of an accident/hit and run	$1459	$248

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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 Yakutat 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 Yakutat.

The cheapest car insurance premiums in Yakutat are offered by Umialik at $613 for a six-month policy. However, it can be as expensive as $232 with companies like Western National.

Yakutat car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$613	$103
Progressive	$867	$146
State Farm	$1047	$176
USAA	$1131	$190
Allstate	$1539	$259
Western National	$232	$39

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 Yakutat are offered by Umialik at $481. However, it can be as expensive as $232 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Yakutat after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$481	$81
State Farm	$624	$105
USAA	$661	$110
Allstate	$904	$154
Progressive	$910	$153
Western National	$232	$39

Car Insurance Price Trends in Yakutat, Alaska

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

The average cost of full coverage in the Yakutat rose by $163 in December compared to $158 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 Yakutat rose to $38 in December, compared to $36 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 Yakutat?

The car insurance in Yakutat is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Yakutat?

The cheapest car insurance in Yakutat is $128 per month for full coverage.

How much is car insurance in Yakutat for teenagers?

Car insurance for teenagers costs $1095 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 Yakutat?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $154 per month to insure your car in Yakutat.

Is car insurance expensive in Yakutat?

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

What is the best car insurance in Yakutat, AK?

The best car insurance company in Yakutat AK is Progressive, offering $761 for a six-month policy.