Homer Auto Insurance Rates, Quotes, Agents & Reviews in AK

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

Zimlon, through its research, found that car owners in Homer, 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 Homer, 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.

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

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

Homer Seldovia Village Diamond Ridge Kachemak Halibut Cove Nikolaevsk
Average Insurance Rates $1,297 $1,148 $1,522 $1,203 $2,006 $2,008

Homer, 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 Homer, 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)
Homer $1,636 $1,382
Kachemak $1,336 $1,128
Diamond Ridge $1,443 $1,219
Anchor Point $1,526 $1,289
Fritz Creek $1,319 $1,114
Halibut Cove $2,066 $1,745
Seldovia Village $1,387 $1,172
Nikolaevsk $1,372 $1,159

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

Teenagers in Homer, 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 $4,209
20 Years $1,666
30 Years $1,284
40 Years $1,235
50 Years $1,144
60 Years $1,160
70 Years $1,350

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

Car owners in Homer, 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 $2,283 $311
3 Vehicles $3,424 $467
4 Vehicles $4,565 $623

Savings on 2 Vehicles bundle:$311

Savings on 3 Vehicles bundle:$467

Savings on 4 Vehicles bundle:$623

Homer, 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 Homer, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Homer $1,297 $2,025
Kachemak $1,203 $1,878
Diamond Ridge $1,522 $2,376
Anchor Point $1,138 $1,776
Fritz Creek $1,526 $2,382
Halibut Cove $2,006 $3,131
Seldovia Village $1,148 $1,792
Nikolaevsk $2,008 $3,135

Homer, 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) $1,113
Excellent (740-799) $1,270
Good (670-739) $1,351
Average (580-669) $1,763
Poor (300-579) $2,116

Homer, 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
Mike Barth State Farm 3726 Lake St Ste C, Homer, 99603-7663 907-226-3600
Malone Insurance Agency None 378 E Pioneer Ave Suite 2, Homer, 99603 (907) 202-5430

Homer, 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 +$57 $1,354
Driver's Failure In Showing Documents +$126 $1,423
Driving With An Expired Registration +$134 $1,431
Driving At A Considerably Slow Pace +$281 $1,578
Using A Cellphone While Driving +$297 $1,594
Running A Red Light +$302 $1,599
Speeding +$318 $1,615
Driving A Vehicle Without The Required Permission +$403 $1,700
Driving With An Expired/Suspended License +$874 $2,171

Homer, 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 $1,245
Active Disabling Device $1,245
Tracking Device $1,219
Passive Disabling Device $1,206