Knik River Auto Insurance Rates, Quotes, Agents & Reviews in AK

Knik River, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Knik River, 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 Knik River, 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.


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

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

Knik River Palmer Lakes Butte Farm Loop Lazy Mountain
Average Insurance Rates $1,150 $1,147 $1,513 $1,506 $1,512 $1,520

Knik River, 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 Knik River, 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)
Knik River $1,316 $1,112
Butte $2,058 $1,738
Palmer $1,602 $1,353
Gateway $1,733 $1,464
Farm Loop $1,480 $1,250
Lazy Mountain $1,859 $1,570
Lakes $1,387 $1,172
Buffalo Soapstone $1,500 $1,267

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

Teenagers in Knik River, 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 $3,732
20 Years $1,478
30 Years $1,138
40 Years $1,095
50 Years $1,014
60 Years $1,028
70 Years $1,197

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

Car owners in Knik River, 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 $1,955 $345
3 Vehicles $2,933 $518
4 Vehicles $3,910 $690

Savings on 2 Vehicles bundle:$345

Savings on 3 Vehicles bundle:$518

Savings on 4 Vehicles bundle:$690


Knik River, 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 Knik River, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Knik River $1,150 $1,795
Butte $1,506 $2,351
Palmer $1,147 $1,790
Gateway $1,185 $1,850
Farm Loop $1,512 $2,360
Lazy Mountain $1,520 $2,373
Lakes $1,513 $2,362
Buffalo Soapstone $1,142 $1,783

Knik River, 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) $987
Excellent (740-799) $1,126
Good (670-739) $1,198
Average (580-669) $1,563
Poor (300-579) $1,876

Knik River, 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 +$51 $1,201
Driver's Failure In Showing Documents +$112 $1,262
Driving With An Expired Registration +$118 $1,268
Driving At A Considerably Slow Pace +$250 $1,400
Using A Cellphone While Driving +$263 $1,413
Running A Red Light +$268 $1,418
Speeding +$282 $1,432
Driving A Vehicle Without The Required Permission +$358 $1,508
Driving With An Expired/Suspended License +$775 $1,925

Knik River, 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 $1,104
Active Disabling Device $1,104
Tracking Device $1,081
Passive Disabling Device $1,070