Hooper Bay Auto Insurance Rates, Quotes, Agents & Reviews in AK

Hooper Bay, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hooper Bay, 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.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Hooper Bay, 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.


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

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

Hooper Bay Chevak
Average Insurance Rates $2,008 $2,115

Hooper Bay, 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 Hooper Bay, 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)
Hooper Bay $1,580 $1,335
Chevak $1,227 $1,036

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

Teenagers in Hooper Bay, 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 $6,516
20 Years $2,580
30 Years $1,987
40 Years $1,912
50 Years $1,771
60 Years $1,795
70 Years $2,090

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

Car owners in Hooper Bay, 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 $3,454 $562
3 Vehicles $5,181 $843
4 Vehicles $6,908 $1,124

Savings on 2 Vehicles bundle:$562

Savings on 3 Vehicles bundle:$843

Savings on 4 Vehicles bundle:$1,124


Hooper Bay, 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 Hooper Bay, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Hooper Bay $2,008 $3,135
Chevak $2,115 $3,302

Hooper Bay, 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) $1,723
Excellent (740-799) $1,967
Good (670-739) $2,092
Average (580-669) $2,730
Poor (300-579) $3,275

Hooper Bay, 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 +$88 $2,096
Driver's Failure In Showing Documents +$195 $2,203
Driving With An Expired Registration +$207 $2,215
Driving At A Considerably Slow Pace +$436 $2,444
Using A Cellphone While Driving +$460 $2,468
Running A Red Light +$468 $2,476
Speeding +$492 $2,500
Driving A Vehicle Without The Required Permission +$624 $2,632
Driving With An Expired/Suspended License +$1,353 $3,361

Hooper Bay, 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 $1,928
Active Disabling Device $1,928
Tracking Device $1,888
Passive Disabling Device $1,867