How Much is Auto Insurance for Drivers with a DUI in Alaska?

Deciding which companies offer the lowest-priced auto insurance rates for drivers with a DUI may require a bit more effort than just getting one or two price quotes.

Each auto insurance company uses their own formula for setting rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Alaska.

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Umialik quotes some of the lowest car insurance rates in Alaska at around $892 each year. USAA, State Farm, Progressive, and GEICO would also make the list of some of the lowest-priced Alaska car insurance companies.

In the above example, if you currently buy coverage from Progressive and switched to USAA, you might realize savings of in the vicinity of $243. Insureds with GEICO might save as much as $919 a year, and Allstate customers might see rate reductions of $1,407 a year.

To get a fast rate comparison, click here to begin a quote or click several companies below for low rates.

Understand that those policy rates are averages across all drivers and vehicles and and are not figured with a price increase for drivers with a DUI. So the insurer that fits your age and vehicle best may not even be featured in the above list. That is why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The make and model of vehicle that needs insurance is one of the largest considerations when comparing cheap auto insurance for drivers with a DUI in Alaska. Vehicles with economical engines, excellent safety ratings, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models. The list below outlines insurance premiums for a selection of the cheaper automobiles to buy insurance for.

Cost estimates assume single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in vehicle garaging location which can increase or decrease coverage rates noticeably.

Based upon these rates, we can assume that models like the Hyundai Tucson, Ford Escape, and Chevrolet Traverse will definitely be some of the cheaper vehicles to insure after getting a DUI. The cost of auto insurance will be higher anyway because there is more inherent risk for drivers with a DUI, but overall those particular vehicles will have the lowest prices compared to all other vehicles.

The chart below illustrates how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for drivers with a DUI. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

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A 30-year-old driver could pocket $258 a year by increasing from a $100 deductible up to a $500 deductible, or save $388 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could shave up to $552 or more by selecting a higher deductible.

If you do make the decision to raise your deductibles, it is important to have enough funds in savings to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Cheapest car insurance: Geico, Progressive, State Farm, or Allstate

If you are shopping around for car insurance after getting a DUI in Alaska, four of the best places to start are Geico, Progressive, State Farm, and Allstate. All offer your standard physical damage and liability coverages, but each one has different features and discounts that may influence which company you choose. The following table shows pricing and service ratings, as well as optional policy coverages that are available from each company.

How to find economical car insurance for drivers with a DUI

Here are some money-saving suggestions that can help Alaska drivers find more affordable coverage.

• Do not pay for full coverage on older vehicles
• Higher credit scores can equal lower rates
• Avoid at-fault accidents and claims
• Safer vehicles cost less to insure
• Save money by insuring your home and auto with the same company
• Ensure you have the best deal by shopping around regularly

The last idea is certainly crucial, as was emphasized in this article. Prices charged by car insurance companies in Alaska can change considerably based on profitability, so drivers shouldn’t be resistant to buy a different policy if a lower-cost policy is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if your bullheadedness ends up costing you a lot of money every month. Take a couple minutes and compare prices to find cheaper auto insurance for drivers with a DUI.