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 Harding-Birch Lakes, AK for senior drivers are $1,682/year
  • Average car insurance rates in Harding-Birch Lakes, AK are $240/month
  • The cheapest car insurance company in Harding-Birch Lakes for teen drivers is USAA

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

It may even be helpful to compare Harding-Birch Lakes car insurance rates with Ketchikan car insurance rates, Nome car insurance rates, or Bethel car insurance rates to make sure you’re getting the best Harding-Birch Lakes, AK car insurance quotes available.

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

Harding-Birch Lakes, AK Minimum Car Insurance Coverage

Harding-Birch Lakes, 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 Harding-Birch Lakes, 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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Harding-Birch Lakes, AK Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harding-Birch Lakes, Alaska

Insurance Company Low Medium High
Allstate $2,945 $2,947 $3,092
GEICO $2,987 $3,001 $3,143
Progressive $3,169 $3,175 $3,365
State Farm $2,430 $2,470 $2,629
USAA $2,575 $2,593 $2,681

Harding-Birch Lakes, AK Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harding-Birch Lakes, 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 $1,935 $1,719 $1,625 $1,666 $6,883 $7,688 $2,191 $2,181
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

Harding-Birch Lakes, AK Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Harding-Birch Lakes, Alaska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,814 $6,320
GEICO $4,940 $6,305
Progressive $6,883 $7,688
State Farm $4,709 $6,111
USAA $4,983 $5,525

Harding-Birch Lakes, AK Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Harding-Birch Lakes, Alaska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,945 $1,945
GEICO $2,110 $2,008
Progressive $1,625 $1,666
State Farm $1,342 $1,342
USAA $1,424 $1,416

Harding-Birch Lakes, AK Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Harding-Birch Lakes, Alaska

Insurance Company Poor Fair Good
Allstate $3,548 $2,813 $2,623
GEICO $3,459 $3,007 $2,666
Progressive $3,530 $3,162 $3,016
State Farm $3,477 $2,243 $1,808
USAA $3,562 $2,334 $1,953

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Harding-Birch Lakes, AK Car Insurance Rates by Driver History

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

Annual Harding-Birch Lakes, 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 $2,894 $3,715 $3,074 $3,262
State Farm $2,283 $2,736 $2,509 $2,509
USAA $2,054 $2,635 $3,449 $2,328

Harding-Birch Lakes, AK Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Harding-Birch Lakes, Alaska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,357
GEICO $4,569
Progressive $3,074
State Farm $2,509
USAA $3,449

Harding-Birch Lakes, AK Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Harding-Birch Lakes, 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 $3,236 $3,236
State Farm $2,440 $2,579
USAA $2,572 $2,661

Harding-Birch Lakes, AK Cheapest Car Insurance Rates

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

Best Annual Car Insurance Rates by Company in Harding-Birch Lakes, 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

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Harding-Birch Lakes, AK Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Harding-Birch Lakes, Alaska

Insurance Company Average Annual Rates
Allstate $2,995
GEICO $3,044
Progressive $3,236
State Farm $2,509
USAA $2,617

Other Factors Affecting Harding-Birch Lakes, AK Car Insurance Rates

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

Harding-Birch Lakes, AK Commute Time

How does your Harding-Birch Lakes, AK commute time compare with the average driver? In Harding-Birch Lakes, the average commute is 32.2 minutes.

Harding-Birch Lakes, AK Car Insurance Quotes

Compare Harding-Birch Lakes, AK car insurance quotes from multiple companies by entering your ZIP code now.