Best Cheap Auto Insurance in Fairbanks, AK (2021)

The average Fairbanks, AK auto insurance rates are $240 per month. The minimum auto insurance in Fairbanks is at least 50/100/25 in coverage to comply with Alaska auto insurance laws. To find the best cheap auto insurance in Fairbanks, Alaska, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Fairbanks is State Farm
  • The average commute length in Fairbanks is 13.5 minutes
  • The most expensive auto insurance company in Fairbanks for teen drivers is Progressive

Fairbanks, Alaska auto insurance requirements are 50/100/25 according to Alaska auto insurance laws. Finding cheap auto insurance in Fairbanks can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fairbanks, Alaska, including driving record, credit, commute time, and more.

Compare auto insurance in Fairbanks to other Alaska cities, including Anchorage auto insurance rates, Sitka auto insurance rates, and Palmer auto insurance rates to see how Fairbanks, Alaska auto insurance rates stack up.

Before you buy Fairbanks, Alaska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fairbanks, Alaska auto insurance quotes.

Minimum Auto Insurance in Fairbanks, Alaska

Fairbanks, Alaska auto insurance laws require that you have at least the Alaska minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fairbanks, Alaska.

Minimum Required Auto 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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Cheap Fairbanks, Alaska Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fairbanks, Alaska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Fairbanks, Alaska Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fairbanks, Alaska is a challenge. Take a look at the annual teen auto insurance rates in Fairbanks, Alaska.

Annual Auto 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

Cheap Fairbanks, Alaska Auto Insurance for Seniors

What are senior auto insurance rates in Fairbanks, Alaska? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Fairbanks, Alaska Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fairbanks, Alaska compared to the annual auto insurance rates with a clean record in Fairbanks, Alaska.

Annual Fairbanks, Alaska Auto 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

Cheap Fairbanks, Alaska Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fairbanks, Alaska is not easy. Compare the annual rates for DUI auto insurance in Fairbanks, Alaska to find the best deal.

Annual Auto Insurance Rates After a DUI in Fairbanks, Alaska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,357
GEICO $4,569
Progressive $3,069
State Farm $2,509
USAA $3,449

Cheap Fairbanks, Alaska Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Fairbanks, Alaska annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Fairbanks, Alaska Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fairbanks, Alaska can vary. Compare the annual cost of auto insurance by ZIP code in Fairbanks, Alaska to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Fairbanks, Alaska

ZIP Code Average Annual Rates
99701 $2,885
99712 $2,876
99790 $2,876

Cheap Fairbanks, Alaska Auto Insurance Rates By Commute

Commute length and annual mileage affect Fairbanks, Alaska auto insurance. Find the cheapest annual Fairbanks, Alaska auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Fairbanks, Alaska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Fairbanks, Alaska Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fairbanks, Alaska? Check out the comparison of annual Fairbanks, Alaska auto insurance rates by coverage level.

Annual Auto 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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Best By Category: Cheapest Auto Insurance in Fairbanks, Alaska

Compare the cheapest auto insurance companies in Fairbanks, Alaska in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Fairbanks, Alaska Auto Insurance Companies

What auto insurance companies in Fairbanks, Alaska are the cheapest? Compare the top Fairbanks, Alaska auto insurance companies to find the best annual rates.

Average Annual Auto 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 affects auto insurance rates in Fairbanks, Alaska?

There are a lot of reasons why auto insurance rates in Fairbanks, Alaska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fairbanks, Alaska. Many local factors may affect your Fairbanks auto insurance rates.

Fairbanks Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fairbanks, Alaska commute length is 13.5 minutes according to City-Data.

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Compare Fairbanks, Alaska Auto Insurance Quotes

Before you buy Fairbanks, Alaska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fairbanks, Alaska auto insurance quotes.

Free Auto Insurance Comparison

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

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