Cheap Quotes for Fairbanks, AK Car Insurance (2021)

Fairbanks, Alaska car insurance rates average $240 a month and Alaska law requires coverage of at least 50/100/25. By comparing rates from multiple Fairbanks, AK companies, you can find cheap Fairbanks car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Fairbanks, AK for senior drivers are $1,682/year
  • Average car insurance rates in Fairbanks, AK after a DUI are $3,391/year
  • Average car insurance rates in Fairbanks, AK are $240/month

How do the Fairbanks, Alaska monthly average car insurance rates of $240/month compare to nearby cities like Nome car insurance rates, Sitka car insurance rates, and Juneau car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fairbanks, AK.

We’ll cover the Alaska minimum coverage requirements, Alaska car insurance laws, and Fairbanks, AK statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Fairbanks, Alaska companies to find the most affordable Fairbanks car insurance rates.

Enter your ZIP code above to find cheap Fairbanks, AK car insurance quotes today.

What are the minimum Fairbanks, AK car insurance requirements?

To meet Alaska minimum car insurance coverage requirements, Fairbanks, AK drivers need to carry at least 50/100/25 coverage.

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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Average Fairbanks, AK Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Fairbanks, AK you can see that rates will vary 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

How do age, gender, and marital status affect Fairbanks, AK car insurance rates?

Three of the criteria that most affect car insurance rates in Fairbanks, Alaska are age, gender, and marital status. Let’s take a look at how each of these stack up with top Fairbanks car insurance companies.

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

How much do teen drivers pay for car insurance in Fairbanks, AK?

Fairbanks, Alaska car insurance rates for teens are often higher than rates for other drivers. Compare Fairbanks car insurance rates from multiple Fairbanks, Alaska car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Fairbanks, AK?

With a little research, seniors can find affordable car insurance in Fairbanks, Alaska. Here’s a look at how the top Fairbanks car insurance companies stack up.

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

How does coverage level affect Fairbanks, AK car insurance rates?

How much coverage do you need? Are you comfortable with the Alaska minimum of 50/100/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Fairbanks, AK car insurance rates will be. Let’s take a look.

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

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How does your driving record affect Fairbanks, AK car insurance rates?

Safe driving pays off. The more traffic violations you have in Fairbanks, AK, the higher your car insurance rates will be. Compare rates based on driving infractions from top Fairbanks, Alaska companies.

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

How does a DUI affect Fairbanks, AK car insurance rates?

With even one DUI on your record, you can see an increase in your Fairbanks, AK car insurance rates.

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

How does your credit history affect Fairbanks, AK car insurance rates?

Take a look at the data here to see how your Fairbanks, Alaska car insurance rates are affected by your credit history.

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

How does your commute affect Fairbanks, AK car insurance rates?

Fairbanks, AK car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alaska can be seen here. Remember, though, that you may have to carry substantially more car insurance in Fairbanks if you’re financing.

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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Who has the cheapest Fairbanks, AK car insurance rates?

Here’s a breakdown of Fairbanks, Alaska car insurance rates by company. You can see which company offers the cheapest Fairbanks car insurance rates in each category.

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

What are the top Fairbanks, AK car insurance companies?

Which Fairbanks, Alaska car insurance company will best fit your needs and budget? Check out this comparison of the top Fairbanks companies to find the one for you.

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

What factors affect Fairbanks, AK car insurance rates?

Why are Fairbanks, Alaska car insurance rates different than rates in Nome or Sitka? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Fairbanks, AK?

More time spent behind the wheel can lead to higher Fairbanks, Alaska car insurance rates. In Fairbanks, AK, the average commute length is 13.5 minutes.

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Car Insurance Quotes for Fairbanks, AK

Shop for affordable Fairbanks, Alaska car insurance rates today. Enter your ZIP code to compare quotes from multiple Fairbanks, AK car insurance companies.

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