Cheapest Car Insurance Quotes in Hooper Bay

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Hooper Bay Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hooper Bay

The car insurance rate in Hooper Bay is $1073 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $846, making it a popular choice for budget-conscious drivers. Rates in Hooper Bay can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hooper Bay

$1073

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Hooper Bay

1st place: Progressive

At $846 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $900 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $976 for six months, making it the third cheapest auto insurance company in Hooper Bay.

Hooper Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hooper Bay, AK is Progressive, offering policies at just $846 for a six-month term. This is followed by USAA, which has an average six-month premium of $900.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1482 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hooper Bay drivers find the best deals.

Cheap Car Insurance Companies in Hooper Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$846	$143
USAA	$900	$151
State Farm	$976	$164
Umialik	$1164	$196
Allstate	$1482	$252

Key Takeaways

Way's key takeaways about car insurance in Hooper Bay

The auto insurance costs in Hooper Bay fall around $846 for six months.
The cheapest auto insurance company in Hooper Bay is USAA.
Teen drivers pay the highest rate in Hooper Bay at $603 per month.

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Cheapest Minimum Liability Car Insurance in Hooper Bay

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hooper Bay are given below.

USAA provides the cheapest minimum car insurance coverage in Hooper Bay. Their Average 6 Month Premium is $188. Allstate is the most expensive at $324 for the same period.

Cheapest Liability Coverage in Hooper Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$188	$32
Progressive	$276	$47
State Farm	$312	$52
Umialik	$312	$52
Allstate	$324	$54

Cheapest Full Coverage Car Insurance in Hooper Bay

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hooper Bay is Progressive at $143 per month and $846 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hooper Bay, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$846	$143
USAA	$900	$151
State Farm	$976	$164
Umialik	$1164	$196
Allstate	$1482	$252

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Average Car Insurance in Hooper Bay by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hooper Bay, AK increasing?

Despite maintaining a clean driving record, your car insurance rates in Hooper Bay, Alaska, may be increasing due to several external factors. Alaska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hooper Bay's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hooper Bay

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$604
30s	USAA	$456
40s	USAA	$422
50s	USAA	$398
60s	USAA	$413
70s	USAA	$506

Cheapest Car Insurance Rates for Teen Drivers in Hooper Bay,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Hooper Bay at $270 per month. At $3546 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1588	$270
Progressive	$1606	$270
State Farm	$1829	$308
Umialik	$2617	$437
Allstate	$3546	$603

Teen Car Insurance Rates in AK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Hooper Bay.

As young drivers face the highest rates in Hooper Bay, USAA offers the cheapest auto insurance rates at $604 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hooper Bay, Progressive is the cheapest car insurance provider. At $870 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hooper Bay is State Farm, offering rates of around $3946 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$870	$147
Allstate	$1082	$182
Umialik	$1094	$184
USAA	$1206	$205
State Farm	$3946	$657

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Car Insurance Rates with An Accident in Hooper Bay

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hooper Bay, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hooper Bay

The cheapest car insurance companies after an at-fault accident in Hooper Bay include Umialik and State Farm, offering $582 and $641, respectively. Allstate is an expensive provider with an average six-month premium of $1440.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$582	$98
State Farm	$641	$108
USAA	$646	$109
Progressive	$941	$158
Allstate	$1440	$243

Hooper Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hooper Bay AK. For example, the car insurance in Hooper Bay after a DUI increases to $500 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Hooper Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1035	$172
Not-at-fault accident	$1040	$177
One comp claim	$1040	$173
One Med/PIP claim	$1040	$177
Two comp claims	$1040	$173
Two Med/PIP claims	$1040	$177
Failure to show documents	$1129	$188
At-fault accident - less than $1000	$1164	$198
Failure to wear a seat belt	$1188	$198
Child safety restraint	$1200	$204
Driving without lights	$1200	$200
Cell phone violation	$1224	$208
Driving too slowly	$1224	$204
In 65 MPH zone	$1224	$208
Speeding 11 - 15 MPH over limit	$1224	$204
Speeding 16 - 20 MPH over limit	$1224	$208
Speeding 6 - 10 MPH over limit	$1224	$204
Speeding in school zone	$1224	$208
Texting while driving	$1224	$204
Driving with expired registration	$1240	$211
Failure to stop at a red light	$1240	$207
Failure to yield	$1240	$211
Following too closely	$1240	$207
Illegal turn	$1240	$211
Improper passing	$1240	$207
Wrong way/wrong lane	$1240	$211
Speeding 21 - 25 MPH over limit	$1264	$211
Passing school bus	$1276	$217
Operating a vehicle without permission	$1288	$215
Open container	$1388	$236
At-fault accident - $1000-$2000	$1412	$236
At-fault accident - greater than $2000	$1412	$240
Driving with a suspended license	$1470	$246
Refusal to submit to a chemical test	$1476	$251
Reckless driving	$1512	$251
DUI	$1535	$261
Racing	$1618	$269
Leaving scene of an accident/hit and run	$1623	$276

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hooper Bay after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hooper Bay.

The cheapest car insurance premiums in Hooper Bay are offered by Umialik at $741 for a six-month policy. However, it can be as expensive as $2011 with companies like Allstate.

Hooper Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$741	$125
Progressive	$941	$158
USAA	$1329	$224
State Farm	$1435	$242
Allstate	$2011	$339

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hooper Bay are offered by Umialik at $624. However, it can be as expensive as $1535 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hooper Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$624	$105
USAA	$864	$147
State Farm	$946	$159
Progressive	$1012	$170
Allstate	$1535	$255

Car Insurance Price Trends in Hooper Bay, Alaska

Car insurance rates in Hooper Bay have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hooper Bay rose by $195 in January compared to $181 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Hooper Bay rose to $46 in January, compared to $43 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hooper Bay?

The car insurance in Hooper Bay is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Hooper Bay?

The cheapest car insurance in Hooper Bay is $143 per month for full coverage.

How much is car insurance in Hooper Bay for teenagers?

Car insurance for teenagers costs $1588 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hooper Bay?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $181 per month to insure your car in Hooper Bay.

Is car insurance expensive in Hooper Bay?

Car insurance can be expensive in Hooper Bay if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hooper Bay can be affordable.

What is the best car insurance in Hooper Bay, AK?

The best car insurance company in Hooper Bay AK is Progressive, offering $846 for a six-month policy.