Chena Ridge Auto Insurance Rates, Quotes, Agents & Reviews in AK

Chena Ridge, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Chena Ridge, 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.

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Factors that can influence the cost of car insurance in Chena Ridge, 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.


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

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

Chena Ridge College Ester Fairbanks Fox South Van Horn
Average Insurance Rates $1,255 $1,499 $1,173 $1,147 $1,890 $1,066

Chena Ridge, 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 Chena Ridge, 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)
Chena Ridge $1,515 $1,280
Ester $2,178 $1,840
South Van Horn $1,391 $1,175
College $1,506 $1,272
Goldstream $1,861 $1,572
Fairbanks $1,602 $1,353
Farmers Loop $1,418 $1,198
Fox $1,947 $1,644

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

Teenagers in Chena Ridge, 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 $4,072
20 Years $1,613
30 Years $1,242
40 Years $1,195
50 Years $1,107
60 Years $1,122
70 Years $1,306

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

Car owners in Chena Ridge, 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 $2,134 $377
3 Vehicles $3,200 $565
4 Vehicles $4,267 $753

Savings on 2 Vehicles bundle:$377

Savings on 3 Vehicles bundle:$565

Savings on 4 Vehicles bundle:$753


Chena Ridge, 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 Chena Ridge, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Chena Ridge $1,255 $1,959
Ester $1,173 $1,831
South Van Horn $1,066 $1,664
College $1,499 $2,340
Goldstream $1,497 $2,337
Fairbanks $1,147 $1,790
Farmers Loop $1,298 $2,026
Fox $1,890 $2,950

Chena Ridge, 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) $1,077
Excellent (740-799) $1,229
Good (670-739) $1,308
Average (580-669) $1,706
Poor (300-579) $2,047

Chena Ridge, 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
Shannon Fortune State Farm 324 Old Steese Hwy, Fairbanks, 99701-3126 907-452-1385
Jim Matherly Allstate 3425 Airport Way, Fairbanks, 99709 (907) 479-9090
Matthew Raymond State Farm 3875 Geist Rd Ste C, Fairbanks, 99709-3564 907-452-6015
Terri L. Wolters Allstate 2142 Airport Way, Fairbanks, 99701 (907) 456-1264
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
Chris Marok Allstate 59 College Rd Ste 205, Fairbanks, 99701 (907) 452-5664
Dick Randolph State Farm 610 12th Avenue, Fairbanks, 99701-4643 907-456-7787
Tammy Randolph State Farm 450 S Santa Claus Ln, North Pole, 99705-7818 907-488-7082
Kenneth A Murray Ins Inc Liberty Mutual Independent 300 Barnette Street Fairbanks, Fort Wainright, 99701 None

Chena Ridge, 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 +$55 $1,310
Driver's Failure In Showing Documents +$122 $1,377
Driving With An Expired Registration +$129 $1,384
Driving At A Considerably Slow Pace +$272 $1,527
Using A Cellphone While Driving +$287 $1,542
Running A Red Light +$292 $1,547
Speeding +$307 $1,562
Driving A Vehicle Without The Required Permission +$390 $1,645
Driving With An Expired/Suspended License +$846 $2,101

Chena Ridge, 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 $1,205
Active Disabling Device $1,205
Tracking Device $1,180
Passive Disabling Device $1,167