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

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

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

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

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

Average Insurance Rates $1,151

Kotzebue, 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 Kotzebue, 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)
Kotzebue $1,606 $1,356

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

Teenagers in Kotzebue, 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 $3,735
20 Years $1,479
30 Years $1,139
40 Years $1,096
50 Years $1,015
60 Years $1,029
70 Years $1,198

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

Car owners in Kotzebue, 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 $2,026 $276
3 Vehicles $3,039 $414
4 Vehicles $4,052 $552

Savings on 2 Vehicles bundle:$276

Savings on 3 Vehicles bundle:$414

Savings on 4 Vehicles bundle:$552

Kotzebue, 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 Kotzebue, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Kotzebue $1,151 $1,797

Kotzebue, 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) $988
Excellent (740-799) $1,127
Good (670-739) $1,199
Average (580-669) $1,565
Poor (300-579) $1,877

Kotzebue, 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 $1,202
Driver's Failure In Showing Documents +$112 $1,263
Driving With An Expired Registration +$119 $1,270
Driving At A Considerably Slow Pace +$250 $1,401
Using A Cellphone While Driving +$264 $1,415
Running A Red Light +$268 $1,419
Speeding +$282 $1,433
Driving A Vehicle Without The Required Permission +$358 $1,509
Driving With An Expired/Suspended License +$776 $1,927

Kotzebue, 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 $1,105
Active Disabling Device $1,105
Tracking Device $1,082
Passive Disabling Device $1,070