Who Has the Cheapest Car Insurance Rates in Juneau?

For being such a well-known city in Alaska, Juneau is relatively small, with a 2019 population estimate of 31,974. The entire state of Alaska has a population of just 737,438.

The National Insurance Crime Bureau (NICB) doesn’t include Juneau’s car thefts in its reports for Alaska; usually this indicates that thefts occur at such a low rate that the bureau and website don’t feel the need to include the numbers. Throughout the entire state, the average commute time for workers going to their jobs is 18.8 minutes; this applies for workers aged 16 and older. That’s a great statistic considering that the national average is nearly 27 minutes.

Vehicle insurance isn’t cheap. However, it’s mandatory by state law, so you must buy it in order to protect the property and health of those with whom you may get into an accident. If you are still making car payments, your lender may require that you purchase comprehensive insurance as well.

What Insurance Coverage is Needed for Drivers in Juneau

Nearly every state has its minimum requirement for how much coverage you must have in order to legally register and drive on the road. Alaska is no exception. Before you can drive in the state, you must have at least the minimum required insurance coverage.

Insurance companies offer various types of insurance plans: liability, collision, comprehensive, and addons for various needs you may have. And while it’s tempting to go with the cheapest option on the market, you may be doing your bank account a major favor by buying a higher level of coverage than just the minimum. If the cost is too high, you might also consider increasing your deductible in order to decrease your monthly and annual premium.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Juneau by Insurer

Cheap insurance coverage is available in Alaska, but make sure that this is not the only thing you consider when you search for insurance. Accidents happen, but acts of nature can also destroy your vehicle and are never covered under the minimum coverage plans. With these plans, you may save in the short term, but when it’s time to pay for repairs, you may end up losing more than you’ve saved.

Are you looking for cheap car insurance close by? Check out this guide to help you.

Low Cost Auto Insurance for Bad Credit in Juneau

If your credit isn’t the best, you can still find annual insurance premiums to protect your vehicle. The good news in Alaska is that, even though they can use your credit score to decide the cost of your premium when you first look for insurance, they cannot use it two years later when they must re-rate your policy. That means that, if you have poor credit, your best option is to find a company where, the first two years of your plan may be expensive, but who will provide you everything you need for a much lower price when they re-rate the cost of you premium in two years.

Learn how your credit score determines your car insurance premiums.

Full Coverage Vs. Liability Coverage

What is Liability Only Insurance Coverage?

Liability-only coverage means that you are only paying to cover the cost of damage that you do to other people and their property in the event you are at fault in an accident. It covers the costs of medical bills for people you injure or repair costs for property you damage.

It is a good idea to carry more liability insurance than these minimum amounts required by the state of {location-state} because you will be personally financially liable if you are in an accident and cause more damage to people or property than the state’s minimum required coverage levels.

Why You May Want Full Coverage Car Insurance

Full coverage insurance not only covers the cost of the people and things you might harm when you are in an accident that is your fault. It also covers the cost of any repairs that your property or vehicle might need if you are in an accident that is your fault.

There are two main types of coverage beyond liability coverage:

Collision – This type of insurance covers the cost of repairs to your vehicle or your property that you might damage in an accident in which you are at fault.

Comprehensive – This type of insurance covers the repair costs for your vehicle when one of those unusual things happen that are outside of your control, like weather-related damage to your vehicle, theft, vandalism, and deer stepping in front of your vehicle as you drive.

Top Factors and Differences Between the Types of Coverage

Liability coverage kicks in when you back up and hit a kid on a skateboard you did not see. It will also pay for a gate you run into and damage.

Collision insurance pays out when you back into a large rock at a campground, denting your pickup’s tailgate. It will pay to get the tailgate repaired.

Comprehensive coverage will pay for the repair costs when something flies out of the back of a semi-truck and you end up with a cracked windshield.

Average Annual Car Insurance Rates in Alaska by City

Additional cities in Alaska you can check out.

How to Lower Your Insurance Rates Policy

There are many car insurance discounts and ways to save on your policy in Juneau:

  • Avoid Accidents

    Each time you are at fault in an accident, your insurance company must pay out to cover your liability. Thus, your rates are definitely going to rise any time you cause an accident. The longer you are able to maintain a driving record clean of accidents, the more favorable your policy will be in the eyes of insurance companies.

  • Don’t Speed

    Insurance rates are set relative to the risk you pose as a driver. Since speeding is positively linked to accidents, and thus to insurance claims, your tickets will also result in higher insurance rates.

  • Shop Around

    Insurance is like any other business and so some will charge lower rates in order to gain more customers. Before you purchase a policy from the last company you saw on television, do some homework and determine which policy is the best for you, even if it’s not the least expensive.

  • Comprehensive Insurance Packages

    Typically, insurance companies insure multiple asset types. They write policies for homes, boats, renters, and they can also cover your health. If you package your automobile insurance with your home, boat, and health insurance, you will likely pay a bit less for your car insurance.

  • Multiple Vehicles

    If you have more than one car, combine them on the same policy. The more cars you add, the lower your rates will be on a per-car basis.

Not sure which discounts you may qualify for, consult this guide to learn more.

What are the Factors that Affect Your Juneau AK Car Insurance Premiums

  • Gender
  • Marital Status
  • Age
  • Number of Violations
  • Credit Report/Score
  • Location
  • Driving Record
  • Insurance Company
  • Make and Model of your car
  • Your Insurance Plan
  • How many cars you have insured
  • Your Occupation
  • Miles you drive per year

Use this guide to find low cost rates with accidents from the top insurance companies.

Helpful Juneau, Alaska Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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