Fairbanks, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fairbanks, AK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Fairbanks, AK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Fairbanks, AK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fairbanks, AK with that of other cities in and around Fairbanks.

	Fairbanks	South Van Horn	Farmers Loop	Fox	College	Steele Creek
Average Insurance Rates	$1,147	$1,066	$1,298	$1,890	$1,499	$1,511

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Fairbanks, AK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Fairbanks, AK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Fairbanks	$1,602	$1,353
South Van Horn	$1,391	$1,175
College	$1,506	$1,272
Farmers Loop	$1,418	$1,198
Badger	$1,529	$1,291
Fox	$1,947	$1,644
Steele Creek	$2,109	$1,782
North Pole	$1,166	$985

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Fairbanks, AK Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fairbanks, AK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,722
20 Years	$1,474
30 Years	$1,135
40 Years	$1,092
50 Years	$1,011
60 Years	$1,025
70 Years	$1,194

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Fairbanks, AK Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fairbanks, AK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$1,996	$298
3 Vehicles	$2,994	$447
4 Vehicles	$3,992	$596

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Fairbanks, AK Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fairbanks, AK.

Location	Average Insurance Cost	Post DUI Insurance Rate
Fairbanks	$1,147	$1,790
South Van Horn	$1,066	$1,664
College	$1,499	$2,340
Farmers Loop	$1,298	$2,026
Badger	$1,157	$1,806
Fox	$1,890	$2,950
Steele Creek	$1,511	$2,359
North Pole	$1,155	$1,803

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Fairbanks, AK Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$984
Excellent (740-799)	$1,123
Good (670-739)	$1,195
Average (580-669)	$1,559
Poor (300-579)	$1,871

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Fairbanks, AK Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Katherine Hood	Allstate	2957A Santa Patricia Ct, North Pole, 99705	(907) 488-7033
Tammy Randolph	State Farm	450 S Santa Claus Ln, North Pole, 99705-7818	907-488-7082
Dick Randolph	State Farm	610 12th Ave, Fairbanks, 99701-4643	907-456-7787
Jim Matherly	Allstate	3425 Airport Way, Fairbanks, 99709	(907) 479-9090
Jim Kelly	State Farm	1401 Turner St, Fairbanks, 99701-6161	907-457-3276
Kris Yoder	State Farm	3637 Airport Way Ste 109, Fairbanks, 99709-4782	907-328-9022
Max Roberts	Allstate	3677 College Rd Ste 7, Fairbanks, 99709	(907) 457-1600
Loa Carroll-Hubbard	Allstate	617 Gaffney Rd, Fairbanks, 99701	(907) 474-8002
Dunlap Agency	None	1305 21St Ave., Ste 203 Fairbanks, Fort Wainright, 99701	None
Dave Mongold	Allstate	230 Old Steese Hwy, Fairbanks, 99701	(907) 452-4260
Rural Alaska Insurance Agency	None	3180 Peger Road 3180 Peger Road, Fairbanks, 99709	None

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Fairbanks, AK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$50	$1,197
Driver's Failure In Showing Documents	+$111	$1,258
Driving With An Expired Registration	+$118	$1,265
Driving At A Considerably Slow Pace	+$249	$1,396
Using A Cellphone While Driving	+$263	$1,410
Running A Red Light	+$267	$1,414
Speeding	+$281	$1,428
Driving A Vehicle Without The Required Permission	+$357	$1,504
Driving With An Expired/Suspended License	+$773	$1,920

Fairbanks, AK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,101
Active Disabling Device	$1,101
Tracking Device	$1,078
Passive Disabling Device	$1,067

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Latest Auto Insurance Reviews in Fairbanks, AK | Back to Top