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Get Cheap Car Insurance in North Star, Anchorage, AK

We monitor insurance prices, helping the average driver in North Star save up to 23.6% on car insurance.

 

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The Cheapest Minimum Coverage in North Star

The chart below shows the cheapest car insurance company in North Star for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Allstate, and Progressive.

 
North Star Insurer Monthly Cost
State Farm $51
Geico $55
Allstate $80
Progressive $125

Savings for Every Kind of North Star Driver

The table shows how much the average auto insurance customer in North Star might save by following our recommendations.

Based on our extensive insurance data, we know the average North Star driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $316 per year by choosing the right vehicle insurance company. Some North Star residents are paying out over $1,543 extra every year for auto insurance in North Star. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

North Star Car Insurance vs. Anchorage

People living in North Star pay an average of 12.23% more than the typical driver in the state. The average driver in North Star can expect to pay about $755 per year, or $1,543 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in North Star for most people.

Car Insurance Prices by North Star Neighborhood

North Star, Anchorage, AK map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within North Star?

The map shows insurance prices in and around North Star, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $243 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,653 to a low of $1,410. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of North Star.

Pick the Best Car Insurance Company for You in North Star

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the North Star insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North Star

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $316 over the average North Star car insurance company.

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We use the average good driver, paying $102 per month, as our baseline for pricing in North Star. State Farm, Geico, and Progressive are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for North Star drivers with accidents on their records

In North Star getting into an accident will raise premiums an average 26% for a yearly cost of $2,082. That's $539 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Allstate are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $492 over the competition.

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The best car insurance company for North Star drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $308 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In North Star, tickets raise premiums on new quotes about $148. If you have a speeding ticket, we recommend State Farm, Geico, and Allstate for savings that beat the average insurance cost of $1,691 per year.

The best auto insurance for North Star drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,262 per year in auto insurance premiums, which was $719 more than a driver with no major issues. State Farm, Progressive, and Allstate penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $338 less each year.

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The least expensive car insurance company for new and young drivers in North Star

In North Star, State Farm costs young drivers $836 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in North Star. With an average cost of $4,714 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Allstate try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in North Star

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $111. State Farm, Geico, and Progressive provided the largest discounts to couples living in North Star.

State Farm gave the largest car insurance discounts to married couples, averaging $283 saved each year compared to an average North Star couple's premiums.

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The cheapest car insurance in North Star for drivers with bad credit

People with poor credit saved an average of $107 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $738 every year. Premiums for people with poor credit were about $2,282 in North Star. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Progressive.

The best North Star car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North Star, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks Geico as the best provider in North Star.

Allstate was the best company for customer service in North Star according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in North Star, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in North Star. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in North Star

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 57% of North Star residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Star driver can expect to pay about $91 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North Star, USAA has the best prices for drivers with speeding tickets, drivers with accidents, good drivers, young drivers, drivers with a DUI conviction, married couples, and drivers with bad credit.
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Auto Insurance Prices in and Around North Star

What Influences the Cost of Car Insurance in North Star?

On average, car insurance in North Star is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in North Star is 18 minutes, which is a little less than average for a driver in the city.
  • Alaska state insurance regulations may allow for lower prices.
  • An average of 23 to 24 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in North Star are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • North Star is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in North Star is $63 per month for minimum coverage and $129 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average North Star driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North Star with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.