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Are you looking for auto insurance in Juneau? At AutoInsuranceEZ.com, you can get the cheapest insurance rates in your city. To acquire free car insurance quotes from the top providers today, provide your zip code into the quote box on this page.

Juneau is one of Alaska’s most popular tourist attractions, uniquely accessible solely by sea or by air. The city is host to a number of historical sites and a vibrant culture including several museums, theatrical plays, and art exhibits. Additionally, Juneau also has thriving fishing, mining, and logging industries.

Fun fact: did you know that Juneau is #2 on the list of “Top 100 cities with largest land areas? Learn more about Juneau.

Auto Insurance Coverage Requirements in Alaska

The state minimum requirements for Alaska drivers are as follows:

Coverage Requirements Most Common
Bodily Injury Liability 50,000/100,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 50,000/0130,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

 
Keep in mind that just because Comprehensive, Collision, and other forms of coverage aren’t required doesn’t mean you shouldn’t look into them. The extra expense could be worth it in the long run. And there are ways to compare cheap Alaska auto insurance online.

The state average in Alaska can range around $129 per month, but rates in Juneau can be as low as $29/mo* for many drivers. Depending on your personal circumstances, you can get great coverage for a low monthly rate, too.

Average Monthly Auto Insurance Premiums Legend: Juneau State Farm Umialik Allstate 5 10 15 20 25 30 $31 $24 $32

 
Local provider Umialik currently has the lowest advertised rates for many drivers in the Juneau area. But low rates aren’t everything. Would it be worth a few extra dollars per month to go with a provider who has a stellar customer service record? It’s important to make sure you invest in the right company for the best possible coverage.

Auto insurance providers contemplate many elements when determining insurance quotes, including driving violations, accident claims, Type of vehicle owned, education, and business use of the vehicle. Additionally, premiums change from company to company. To find out whether you’re still getting the most affordable rate, compare cheap Juneau auto insurance quotes online.

Major Car Insurance Factors in Juneau

Auto insurance providers contemplate many elements when determining insurance quotes, including driving violations, accident claims, Type of vehicle owned, education, and business use of the vehicle. Additionally, premiums change from company to company. To find out whether you’re still getting the most affordable rate, compare cheap Juneau auto insurance quotes online.

  • Your Zip code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Juneau is 32,660 and the median household income is $83,191.

Auto Insurance by Zip Code Legend: Anchorage Fairbanks Juneau Kenai Ketchikan State Farm Umialik Allstate 5 10 15 20 25 30 35 40 45 50 $41 $31 $31 $28 $26 $46 $33 $24 $27 $24 $50 $28 $32 $31 $32

 

  • Automotive Accidents

Juneau is a fairly safe place to drive, based on accident statistics. Most recent statistical data recorded only one traffic accident fatality back in 2012. This is well below the national average, which means that insurance providers are much more likely to charge lower rates in the area.

Fatal Accidents in Juneau, AK Legend: Juneau Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 1 2

 

  • Auto Thefts in Juneau

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Juneau last year was 36. But if you are still worried about auto theft in Juneau, consider adding Comprehensive coverage to your automotive insurance policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Umialik Allstate 5 10 15 20 25 30 35 40 45 50 55 $31 $46 $24 $30 $32 $59

 

  • Your Credit Score

Depending on your credit, a poor score can end up nearly doubling your monthly rate. Luckily, Alaska average insurance rates are fairly low to start with, so it may not break your budget. And there are local providers who still offer low rates, in spite of poor credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Umialik Allstate 5 10 15 20 25 30 35 40 45 50 55 60 $24 $24 $30 $61 $45 $61

 

  • Your Age

Unfortunately, young and inexperienced teenage drivers do run a higher risk of causing accidents than older, more experienced adults. For this reason, they are charged much higher rates than almost any other driver. If you are young and still in school, you can try to lower your rate with Good Student or Driver’s Ed discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Umialik Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 $31 $74 $24 $42 $32 $85

 

  • Your Driving Record

As one would expect, the cleaner your driving record is, the less you can expect to pay for your automotive insurance each month. However, your rates will likely go up if you start collecting speeding tickets or other moving violations. Some companies offer “Accident forgiveness” discounts, which might be helpful if your record is less than perfect.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Umialik Allstate 5 10 15 20 25 30 35 40 45 $31 $33 $33 $35 $24 $24 $24 $24 $32 $38 $45 $48

 

  • Your Vehicle

For affordable, compact, fuel-efficient sedans, your insurance rates will be much lower than if you choose to purchase and drive around in a luxury vehicle. More expensive cars require more coverage, and more expensive policies.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder State Farm Umialik Allstate 5 10 15 20 25 30 35 40 45 $31 $45 $24 $30 $32 $49

 

Minor Car Insurance Factors in Juneau

Just because the following factors might seem insignificant doesn’t mean they can’t alter your rate:

  • Your Marital Status

Married couples have the luxury of bundling their automobile insurance policies together for significant discounts. As single policies, however, there isn’t much of a difference in price. You can get even more discounts with bundling homeowner’s or renter’s insurance to your auto policy, as well.

  • Your Gender

This may be hard for some people to believe, but most companies don’t charge radically different rates for male or female drivers. Many companies these days charge the exact same rate, all other circumstances being equal.

  • Your Driving Distance to Work

The average commute time for most workers in Juneau runs anywhere from 10-15 minutes. The vast majority of motorists choose to drive to work in their own car, while a good 16% like to carpool to work with their co-workers.

In general, it doesn’t matter how many miles you drive or why you’re on the road – it only tends to increase or decrease your monthly rate by around 2-3%, on average. Business vehicles, however, are more expensive to insure. If you drive your vehicle for business, expect to pay about 10-12% more in higher premiums.

  • Your Coverage and Deductibles

If you want to add coverage to your policy but still receive a discounted rate, try raising your deductible. In the event that the worst happens, your out of pocket expenses will be higher, but the lower monthly premiums should help you save up for a rainy day.

  • Education in Juneau, AK

One reason that Juneau car insurance rates might be so much lower than the rest of the state is the high level of education most Juneau drivers have. Contrary to some rumors, your job or salary won’t get you the big discounts – but a higher education will. The most popular degree is a bachelor’s from a 4-year institution, with either a high school diploma or at least a year of college coming in second.

Odds are, many of those motorists have a degree from the University of Alaska Southeast. The university offers everything from certificates and associate degrees to bachelor’s and master’s programs, and enrolls nearly 3,000 students.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Alaska Division of Insurance

Alaska Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov 

To Get quotes from Companies that Offer Lowest Rates on Auto Insurance in Juneau, AK enter your information below.

 

 

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