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

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

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

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Factors that can influence the cost of car insurance in Womens 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.


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

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

Womens Bay Kodiak Station Chiniak Ouzinkie Port Lions Kodiak
Average Insurance Rates $1,205 $1,449 $2,048 $2,028 $1,119 $1,163

Womens 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 Womens 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)
Womens Bay $1,898 $1,603
Kodiak Station $1,492 $1,261
Kodiak $1,383 $1,168
Port Lions $1,724 $1,456
Chiniak $2,109 $1,782
Ouzinkie $2,863 $2,419

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

Teenagers in Womens 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 $3,910
20 Years $1,548
30 Years $1,193
40 Years $1,147
50 Years $1,063
60 Years $1,077
70 Years $1,254

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

Car owners in Womens 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 $2,049 $362
3 Vehicles $3,073 $542
4 Vehicles $4,097 $723

Savings on 2 Vehicles bundle:$362

Savings on 3 Vehicles bundle:$542

Savings on 4 Vehicles bundle:$723


Womens 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 Womens Bay, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Womens Bay $1,205 $1,881
Kodiak Station $1,449 $2,262
Kodiak $1,163 $1,815
Port Lions $1,119 $1,747
Chiniak $2,048 $3,197
Ouzinkie $2,028 $3,166

Womens 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) $1,034
Excellent (740-799) $1,180
Good (670-739) $1,256
Average (580-669) $1,638
Poor (300-579) $1,965

Womens 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 +$53 $1,258
Driver's Failure In Showing Documents +$117 $1,322
Driving With An Expired Registration +$124 $1,329
Driving At A Considerably Slow Pace +$261 $1,466
Using A Cellphone While Driving +$276 $1,481
Running A Red Light +$281 $1,486
Speeding +$295 $1,500
Driving A Vehicle Without The Required Permission +$375 $1,580
Driving With An Expired/Suspended License +$812 $2,017

Womens 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 $1,157
Active Disabling Device $1,157
Tracking Device $1,133
Passive Disabling Device $1,121