Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Fairbanks, AK for senior drivers are $1,682/year
  • The cheapest car insurance company in Fairbanks after a DUI is State Farm
  • Average car insurance rates in Fairbanks, AK are $240/month

Average car insurance rates in Fairbanks, Alaska are $240 a month. But with a little research you can get a great deal from the top car insurance companies in Fairbanks, AK. Before you buy Fairbanks, Alaska car insurance, make sure your coverage meets or exceeds the Alaska minimum of 50/100/25.

It may even be helpful to compare Fairbanks car insurance rates with Wasilla car insurance rates, Anchorage car insurance rates, or Juneau car insurance rates to make sure you’re getting the best Fairbanks, AK car insurance quotes available.

Need affordable Fairbanks, AK car insurance? Enter your ZIP code to compare Fairbanks car insurance quotes from multiple car insurance companies near you.

Fairbanks, AK Minimum Car Insurance Coverage

Fairbanks, Alaska law requires drivers carry a minimum of 50/100/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Fairbanks, Alaska

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $50,000 per person
$100,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Fairbanks, AK Car Insurance Rates by Coverage Level

Some Fairbanks drivers can get by with the Alaska minimum coverage of 50/100/25. Other drivers may need more. See how much your Fairbanks, Alaska car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Fairbanks, Alaska

Insurance Company Low Medium High
Allstate $2,945 $2,947 $3,092
GEICO $2,987 $3,001 $3,143
Progressive $3,171 $3,177 $3,348
State Farm $2,430 $2,470 $2,629
USAA $2,575 $2,593 $2,681

Fairbanks, AK Car Insurance Rates by Age, Gender, and Marital Status

Fairbanks, Alaska car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Fairbanks, AK car insurance, get quotes from multiple car insurance companies in the Fairbanks area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fairbanks, Alaska

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,049 $2,049 $1,945 $1,945 $4,814 $6,320 $2,308 $2,528
GEICO $2,237 $2,168 $2,110 $2,008 $4,940 $6,305 $2,212 $2,374
Progressive $1,930 $1,721 $1,622 $1,663 $6,865 $7,675 $2,193 $2,189
State Farm $1,497 $1,497 $1,342 $1,342 $4,709 $6,111 $1,768 $1,810
USAA $1,530 $1,526 $1,424 $1,416 $4,983 $5,525 $2,198 $2,330

Fairbanks, AK Car Insurance Rates for Teens

How much is Fairbanks, Alaska car insurance for teens? Compare rates from top Fairbanks car insurance companies below to help find the cheapest teen car insurance in Fairbanks, AK.

Annual Car Insurance Rates for Teen Drivers in Fairbanks, Alaska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,814 $6,320
GEICO $4,940 $6,305
Progressive $6,865 $7,675
State Farm $4,709 $6,111
USAA $4,983 $5,525

Fairbanks, AK Car Insurance Rates for Seniors

Before seniors buy Fairbanks, Alaska car insurance, they should make sure to shop around. Some Fairbanks, AK car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Fairbanks, Alaska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,945 $1,945
GEICO $2,110 $2,008
Progressive $1,622 $1,663
State Farm $1,342 $1,342
USAA $1,424 $1,416

Fairbanks, AK Car Insurance Rates by Credit History

How does your credit history affect Fairbanks, AK car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Fairbanks, Alaska

Insurance Company Poor Fair Good
Allstate $3,548 $2,813 $2,623
GEICO $3,459 $3,007 $2,666
Progressive $3,525 $3,159 $3,013
State Farm $3,477 $2,243 $1,808
USAA $3,562 $2,334 $1,953

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Fairbanks, AK Car Insurance Rates by Driver History

How does a single speeding ticket affect your Fairbanks, Alaska car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Fairbanks.

Annual Fairbanks, Alaska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,414 $3,359 $3,357 $2,849
GEICO $2,175 $3,217 $4,569 $2,215
Progressive $2,890 $3,711 $3,069 $3,259
State Farm $2,283 $2,736 $2,509 $2,509
USAA $2,054 $2,635 $3,449 $2,328

Fairbanks, AK Car Insurance Rates With a DUI

Even a single DUI can increase your Fairbanks, AK car insurance rates. Compare rates below to see which Fairbanks car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Fairbanks, Alaska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,357
GEICO $4,569
Progressive $3,069
State Farm $2,509
USAA $3,449

Fairbanks, AK Car Insurance Rates by ZIP Code

Just like Fairbanks car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Fairbanks, AK car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Fairbanks, Alaska

ZIP Code Average Annual Rates
99701 $2,885
99712 $2,876
99790 $2,876

Fairbanks, AK Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Fairbanks, AK car insurance rates may be. Let’s take a look at average car insurance rates from top Fairbanks companies based on commute time.

Annual Car Insurance Rates by Commute Length in Fairbanks, Alaska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,937 $3,052
GEICO $3,005 $3,083
Progressive $3,232 $3,232
State Farm $2,440 $2,579
USAA $2,572 $2,661

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Fairbanks, AK Cheapest Car Insurance Rates

How do the top Fairbanks, Alaska car insurance companies’ average rates stack up against the Fairbanks average monthly car insurance rates of $240? Take a look and see.

Best Annual Car Insurance Rates by Company in Fairbanks, Alaska

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Fairbanks, AK Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Fairbanks, Alaska car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Fairbanks, Alaska

Insurance Company Average Annual Rates
Allstate $2,995
GEICO $3,044
Progressive $3,232
State Farm $2,509
USAA $2,617

Other Factors Affecting Fairbanks, AK Car Insurance Rates

Before you buy Fairbanks, Alaska car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Fairbanks, AK Commute Time

How does your Fairbanks, AK commute time compare with the average driver? In Fairbanks, the average commute is 13.5 minutes.

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Fairbanks, AK Car Insurance Quotes

Compare Fairbanks, AK car insurance quotes from multiple companies by entering your ZIP code now.