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

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

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


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

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

Ninilchik Nikolaevsk Happy Valley Cohoe Kasilof Clam Gulch
Average Insurance Rates $1,140 $2,008 $1,149 $1,151 $2,037 $1,129

Ninilchik, 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 Ninilchik, 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)
Ninilchik $1,339 $1,131
Clam Gulch $1,353 $1,143
Happy Valley $2,203 $1,861
Cohoe $962 $813
Nikolaevsk $1,372 $1,159
Kasilof $2,098 $1,772

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

Teenagers in Ninilchik, 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 $3,699
20 Years $1,465
30 Years $1,128
40 Years $1,086
50 Years $1,005
60 Years $1,019
70 Years $1,186

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

Car owners in Ninilchik, 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 $1,984 $296
3 Vehicles $2,975 $445
4 Vehicles $3,967 $593

Savings on 2 Vehicles bundle:$296

Savings on 3 Vehicles bundle:$445

Savings on 4 Vehicles bundle:$593


Ninilchik, 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 Ninilchik, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Ninilchik $1,140 $1,780
Clam Gulch $1,129 $1,762
Happy Valley $1,149 $1,794
Cohoe $1,151 $1,797
Nikolaevsk $2,008 $3,135
Kasilof $2,037 $3,180

Ninilchik, 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) $978
Excellent (740-799) $1,116
Good (670-739) $1,188
Average (580-669) $1,550
Poor (300-579) $1,859

Ninilchik, 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
1st Alaska Insurance Allstate 35681 Kenai Spur Hwy, Soldotna, 99669 (907) 262-4425
Kristie Babcock State Farm 10735 Kenai Spur Hwy Ste 1, Kenai, 99611-7859 907-283-7116
Waterbury Agency Llc Allstate 44539 Sterling Hwy Ste 207, Soldotna, 99669 (907) 262-9445
Johnson Insurance Group None 34851 Kenai Spur Hwy 34851 Kenai Spur Hwy, Soldotna, 99669 None
Homer Insurance Ctr Allstate 509 Sterling Hwy Ste 201, Homer, 99603 (907) 235-3881
Malone Ins Agency Allstate 412 E Pioneer Ave Ste 1, Homer, 99603 (907) 435-0699

Ninilchik, 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 +$50 $1,190
Driver's Failure In Showing Documents +$111 $1,251
Driving With An Expired Registration +$117 $1,257
Driving At A Considerably Slow Pace +$247 $1,387
Using A Cellphone While Driving +$261 $1,401
Running A Red Light +$266 $1,406
Speeding +$279 $1,419
Driving A Vehicle Without The Required Permission +$355 $1,495
Driving With An Expired/Suspended License +$768 $1,908

Ninilchik, 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 $1,094
Active Disabling Device $1,094
Tracking Device $1,072
Passive Disabling Device $1,060