Best Alaska Insurance for Teens

If you are looking for the best auto insurance for teen drivers in Alaska, you might want to compare the major auto insurance companies that offer coverage in this state. According to our research, the average annual cost of car insurance in Alaska is $1,236, which is lower than the national average of $1,442. However, teen drivers usually pay much more than the average due to their higher risk of accidents and violations.

1. State Farm: Affordable and Reliable

Average Monthly Cost: $46 for minimum liability coverage1.
Why Choose State Farm?: State Farm consistently offers competitive rates and excellent customer service. Their extensive network of agents ensures personalized assistance for Alaskan teens.

2. Geico: Full Coverage at a Reasonable Price

Average Monthly Cost: $112 for full coverage1.
Why Consider Geico?: Geico provides straightforward online quotes and often offers competitive rates. Their full coverage option includes collision, comprehensive, and liability protection.

3. USAA: Exclusive for Military Families

Average Monthly Cost: $84 for full coverage (available to military members and their families)1.
Why Opt for USAA?: USAA combines affordability with exceptional service. If you’re eligible, their rates are hard to beat.

4. Umialik: A Viable Choice

Average Monthly Cost: $134 for full coverage1.
Why Explore Umialik?: Umialik offers reasonable rates and may be a suitable option for teen drivers in Alaska.

5. Allstate: Affordable Minimum Coverage

Average Monthly Cost: $105 for minimum liability coverage (33% cheaper than average)1.
Why Allstate?: Allstate provides budget-friendly options for teens. However, their full coverage rates can be higher.

Factors to Consider:

Minimum Coverage Requirements: Alaska mandates $50,000 in bodily injury liability coverage per person, $100,000 per accident, and $25,000 in property damage liability insurance.
Full Coverage Benefits: While minimum coverage meets legal requirements, full coverage pays for repairs to your car. It includes collision, comprehensive, and uninsured motorist coverage.
DUI Impact: A DUI conviction significantly increases insurance rates. Teens should drive responsibly to avoid such consequences.

Additional Resources:

Remember that individual circumstances vary, so it’s essential to compare quotes and choose coverage that aligns with your needs. Safe driving habits and responsible insurance choices are vital for Alaska’s teen drivers! 🚗

Based on the data we found, the cheapest car insurance company for teen drivers in Alaska is **Umialik Insurance**, which charges an average of $2,931 per year for the minimum required coverage. This is followed by **USAA**, which charges an average of $3,231 per year for the same level of coverage. However, USAA is only available for military members and their families, so it might not be an option for everyone.

The most expensive car insurance company for teen drivers in Alaska is **Progressive**, which charges an average of $6,433 per year for the minimum required coverage. This is more than double the cost of Umialik Insurance and USAA. Progressive also has the highest rates for full coverage insurance, which includes collision and comprehensive coverage in addition to liability coverage. The average annual cost of full coverage insurance for teen drivers in Alaska is $8,883 with Progressive.

The minimum amount of coverage required in Alaska is $50,000 per person/$100,000 per accident in bodily injury liability and $25,000 in property damage liability. However, you might want to consider getting more coverage to protect yourself and your vehicle in case of a serious accident. The average annual cost of full coverage insurance for teen drivers in Alaska is $4,995 with Umialik Insurance and $5,049 with USAA. These are the cheapest options for full coverage insurance among the major auto insurance companies in Alaska.

To summarize, the best auto insurance for teen drivers in Alaska depends on your budget and your coverage needs. Umialik Insurance and USAA are the cheapest options for both minimum and full coverage insurance, while Progressive is the most expensive option. You should compare quotes from different companies to find the best deal for your situation.