Find Cheaper Alaska Car Insurance Rates for 16-Year-Olds

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 27, 2024

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Our content editors always give us grief that when writing about car insurance, the words “cheap” or “affordable” really should not be used anywhere to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for 16 year olds does not exist. Don’t get your dauber down, because we are going to show you some ways you can still get car insurance that you can fit into your budget.

One of the more important things that impact the annual cost of car insurance is where you normally keep your vehicle. Areas with increased crime or more people like Anchorage, Fairbanks, and Palmer tend to pay more, whereas areas with less congestion benefit from having to pay less for coverage.

The illustration below sorts the highest-priced areas in Alaska for 16 year olds in which to purchase auto insurance.


Most expensive Alaska cities for auto insurance
Rank City Premium Per Year
1 Anchorage $1,308
2 Meadow Lakes $1,304
3 Fairbanks $1,284
4 College $1,282
5 Palmer $1,252
6 Sterling $1,238
7 Nikiski $1,238
8 Wasilla $1,228
9 Kenai $1,190
10 Homer $1,190
11 Kodiak $1,167
12 Ketchikan $1,066
13 Juneau $969
14 Sitka $957
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Table data uses estimated as the specific garaging location can revise premium rates significantly.

The vehicle model requiring coverage is a large factor that determines whether or not you find low-cost car insurance for 16 year olds. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models.

The tables below features car insurance rates for some of the most cost-effective vehicles to insure in Alaska.


Auto Insurance Rates for Popular Cars in Alaska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Fusion Sport 4-Dr Sedan $3,966 $1,983 $331
Honda Accord LX 4-Dr Sedan $3,124 $1,562 $260
Honda Civic DX 2-Dr Coupe $4,442 $2,221 $370
Hyundai Elantra GLS 4-Dr Sedan $3,930 $1,965 $328
Hyundai Sonata GLS 4-Dr Sedan $3,990 $1,995 $333
Kia Optima SX $4,250 $2,125 $354
Nissan Altima 2.5 S 2-Dr Coupe $4,250 $2,125 $354
Toyota Camry SE $3,930 $1,965 $328
Volkswagen Jetta SE 4-Dr Sedan $3,966 $1,983 $331
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Data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific Alaska garaging location which can raise or lower prices significantly.

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Insurance Rates for Popular SUVs and Crossovers in Alaska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.5D AWD $4,260 $2,130 $355
Buick Enclave XL AWD $4,002 $2,001 $334
Cadillac Escalade Premium Edition 4WD $4,842 $2,421 $404
Chevrolet Traverse LT 2WD $3,194 $1,597 $266
Ford Escape Limited 2WD $3,158 $1,579 $263
Ford Explorer XLT 2WD $3,484 $1,742 $290
GMC Acadia SLE 2WD $3,484 $1,742 $290
Honda CR-V EX-L 2WD $3,158 $1,579 $263
Honda Pilot EX 2WD $3,520 $1,760 $293
Jeep Grand Cherokee Limited 4WD $3,966 $1,983 $331
Toyota 4Runner SR/5 2WD $3,416 $1,708 $285
Toyota Highlander Sport 2WD $3,742 $1,871 $312
Toyota RAV4 Sport 2WD $3,706 $1,853 $309
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Table data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in your specific Alaska location which can raise or lower prices noticeably.


Auto Insurance Rates for Popular Pickup Trucks in Alaska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $3,380 $1,690 $282
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $4,224 $2,112 $352
Chevrolet Silverado LS Crew Cab 4WD $3,966 $1,983 $331
Dodge Ram 2500 Crew Cab SLT 2WD $4,472 $2,236 $373
Dodge Ram Quad Cab Laramie 2WD $4,286 $2,143 $357
Ford F-150 STX Regular Cab 2WD $3,450 $1,725 $288
Ford F-250 XL Crew Cab Harley Edition 4WD $4,548 $2,274 $379
GMC Sierra 3500HD SLE Crew Cab 4WD $4,770 $2,385 $398
GMC Sierra SLE Crew Cab 2WD $3,706 $1,853 $309
Toyota Tundra SR/5 Crew Max 2WD $3,990 $1,995 $333
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Data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in vehicle location which can alter coverage rates noticeably.

The chart below highlights how deductible choice can change insurance rates when searching for cheap insurance for 16 year olds. The data is based on a single male driver, full coverage, and no discounts are applied to the premium.

As shown above, a 50-year-old driver could lower their car insurance rates by $226 a year by increasing from a $100 deductible up to a $500 deductible, or save $338 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, can cut $732 or more by using higher deductibles when buying full coverage. When using a larger deductible, it is important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to find a good Alaska auto insurance company

Choosing a high-quality car insurance provider can be rather challenging considering how many companies there are in Alaska. The information listed below may help you select which auto insurance companies you want to consider when looking for cheaper rates. The ratings below include companies that write coverage in many states, so companies without a large exposure are not factored into the list.


Top Auto Insurance Companies for 16 Year Olds
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Discount Alaska insurance rates

Save on auto insurance for new drivers in AlaskaInsurance providers that provide cheap car insurance for 16 year olds in Alaska may also give you price discounts that can lower rates by 25% or more if you meet the requirements. A list of companies and a summarized list of policyholder discounts are:


Auto Insurance Discounts for Popular Insurers
Discount State Farm Allstate Geico Progressive
Multi-policy Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes
Anti-theft Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No
Air bags Yes Yes Yes No
New car Yes Yes No No
No accidents Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes
Armed forces Yes No Yes Yes
Affinity/occupation No No Yes No
Paid in full No Yes Yes Yes
Auto-pay No Yes Yes Yes
Brand loyalty Yes No No Yes
Good student Yes Yes Yes Yes
Student away from home Yes Yes No Yes
Own a home No No No Yes
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The illustration below illustrates the difference between insurance costs with and without discounts. The premiums are based on a male driver, a clean driving record, no claims, Alaska state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, paperless filing, paid-in-full, good student, vehicle safety, and anti-theft discounts applied. In this example, the average yearly reduction on auto insurance for 16 year olds is % or $.

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Frequently Asked Questions

Why is it important to find cheaper car insurance in Alaska?

Finding cheaper car insurance in Alaska is important because it helps you save money on your insurance premiums. By shopping around and comparing rates from different insurance providers, you can potentially find a policy that offers the coverage you need at a more affordable price. This can free up your budget for other expenses and ensure that you’re not overpaying for your car insurance.

How can I find cheaper car insurance in Alaska?

There are several strategies you can use to find cheaper car insurance in Alaska:

  • Compare quotes: Obtain quotes from multiple insurance providers and compare them to find the best rates. You can do this by contacting insurance companies directly or by using online comparison tools.
  • Adjust coverage levels: Review your current coverage levels and consider whether you can adjust them to lower your premium. For example, increasing your deductible or reducing coverage for older vehicles may help reduce costs.
  • Take advantage of discounts: Inquire about discounts offered by insurance companies. These can include safe driver discounts, multi-policy discounts, low mileage discounts, and more. Make sure to ask about all available discounts you may qualify for.
  •  Maintain a good driving record: Avoid traffic violations and accidents, as these can increase your insurance premiums. Safe driving habits can help you secure lower rates.

Are there any specific considerations when looking for car insurance in Alaska?

Yes, there are a few considerations unique to car insurance in Alaska:

Weather conditions: Alaska’s extreme weather, including snow and icy roads, can impact insurance rates. Consider coverage options like comprehensive and collision insurance to protect your vehicle against weather-related damages.

Wildlife collisions: Alaska has a higher risk of wildlife collisions. Ensure your policy covers such incidents, as they can result in costly repairs.

Required coverage: Alaska has minimum insurance requirements for bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. Make sure your policy meets these requirements.

Should I only consider the price when choosing car insurance?

While price is an important factor when choosing car insurance, it should not be the only consideration. It’s crucial to balance affordability with adequate coverage and good customer service. When comparing insurance policies, pay attention to the coverage limits, deductibles, policy exclusions, and the insurer’s reputation for handling claims. It’s often worth paying slightly more for a policy that provides better coverage and service.

Can I switch car insurance providers mid-policy?

Yes, you can switch car insurance providers mid-policy in Alaska. However, it’s essential to consider any potential penalties or fees for canceling your current policy before the term is over. Contact your current insurer to inquire about the process and any associated costs. Additionally, make sure to secure new coverage before canceling your current policy to avoid any gaps in insurance coverage.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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