Cheap Auto Insurance Quotes for Felons in Alaska

When discussing car insurance, the word affordable should not appear anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for felons is not always easy to find. But don’t despair, because we will tell you how you can still get car insurance that is easy on your budget.

Establishing which company quotes the cheapest car insurance rates for felons will involve more time in order to find the lowest price quote.

Each auto insurance company has their own process for setting rates, so let’s take a look at the most budget-friendly car insurance companies in Alaska.

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Umialik may offer some of the most affordable car insurance rates in Alaska at around $901 each year. State Farm, USAA, Progressive, and GEICO also make the cut as some of the lowest-priced Alaska auto insurance companies.

As shown above, if you currently buy coverage from USAA and switched to Umialik, you could realize a yearly price reduction of around $66. Drivers with Progressive could save as much as $359 a year, and GEICO policyholders might realize rate reductions of up to $1,042 a year.

To find out how your current rates compare, click here or click several companies below for low rates.

Remember that these prices are averaged for all types of insureds and vehicles and and are not figured with a price decrease for felons. So the company that can offer the best rates for your situation may not even be included in the list of companies above. That affirms the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

When shopping for car insurance for felons, one of the many things that play a part in determining the cost of insurance is where your residence is in Alaska. Areas with more people or higher crime rates like Palmer, Fairbanks, and Meadow Lakes tend to pay slightly more, whereas areas that are not as densely populated can boast about having cheaper rates.

The following table illustrates the priciest cities in Alaska for felons to buy auto insurance in.

Premium amounts are approximated as the specific zip code location can impact rates considerably.

The example below illustrates how choosing a deductible can impact yearly insurance costs when searching for cheap insurance for felons. The data is based on a married male driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3161,2881,2571,2277],[‘Age 30’, 1655,1509,1337,1173],[‘Age 40’, 1587,1451,1295,1145],[‘Age 50’, 1453,1329,1189,1053],[‘Age 60’, 1427,1305,1167,1033],[‘Age 70’, 1635,1503,1355,1213]]);var options = {title: ‘Effect of Higher Deductibles on Car Insurance Prices in Alaska’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could reduce rates by $264 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $400 by choosing a $1,000 deductible. Younger drivers, such as the Age 20 example, could roll back prices $884 each year just by choosing higher deductibles. When using a larger deductible, it will now be necessary to have enough spare savings to pay the extra out-of-pocket expense that comes with higher deductibles.

How accidents and violations affect rates

A great way to find cheap car insurance for felons in Alaska is to drive cautiously and avoid traffic citations and accidents. The illustration below highlights how traffic violations and fender-benders influence insurance costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1417,1827,3433],[‘Age 30’, 987,1397,3003],[‘Age 40’, 977,1387,2995],[‘Age 50’, 865,1275,2879],[‘Age 60’, 823,1233,2839],[‘Age 70’, 887,1295,2903]]);var options = {title: ‘Effect of Tickets and Claims on Alaska Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Alaska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of auto insurance per year with no accidents or violations is $993. Receive two speeding tickets and the average cost jumps to $1,402, an increase of $410 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for felons jumps again to an average of $3,009. That’s an increase of $2,016, or $168 per month, just for not being more responsible behind the wheel!

Best rates: Progressive, Allstate, Geico, or State Farm

If you are looking for the best car insurance for felons in Alaska, probably the best companies to start with are Progressive, Allstate, Geico, and State Farm. Combined they insure almost 50% of the entire U.S. car insurance market. The next table compares and contrasts pricing and service ratings, as well as optional policy coverages offered by each company.