Cheapest Car Insurance Quotes in Kivalina

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Kivalina Car Insurance

^$ 30

/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 Kivalina

The car insurance rate in Kivalina is $1037 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $864, making it a popular choice for budget-conscious drivers. Rates in Kivalina 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 Kivalina

$1037

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Kivalina

1st place: Progressive

At $864 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $918 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 $996 for six months, making it the third cheapest auto insurance company in Kivalina.

Kivalina Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kivalina, AK is Progressive, offering policies at just $864 for a six-month term. This is followed by USAA, which has an average six-month premium of $918.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $750 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kivalina drivers find the best deals.

Cheap Car Insurance Companies in Kivalina, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$864	$145
USAA	$918	$155
State Farm	$996	$168
Umialik	$1188	$200
Allstate	$1512	$258
Western National	$750	$125

Key Takeaways

Way's key takeaways about car insurance in Kivalina

The auto insurance costs in Kivalina fall around $864 for six months.
The cheapest auto insurance company in Kivalina is USAA.
Teen drivers pay the highest rate in Kivalina at $95 per month.

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Cheapest Minimum Liability Car Insurance in Kivalina

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 Kivalina are given below.

USAA provides the cheapest minimum car insurance coverage in Kivalina. Their Average 6 Month Premium is $180. Western National is the most expensive at $264 for the same period.

Cheapest Liability Coverage in Kivalina, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$180	$30
Progressive	$264	$44
State Farm	$288	$48
Allstate	$300	$51
Umialik	$300	$51
Western National	$264	$44

Cheapest Full Coverage Car Insurance in Kivalina

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 Kivalina is Progressive at $145 per month and $864 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kivalina, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$864	$145
USAA	$918	$155
State Farm	$996	$168
Umialik	$1188	$200
Allstate	$1512	$258
Western National	$750	$125

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Average Car Insurance in Kivalina 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 Kivalina, AK increasing?

Despite maintaining a clean driving record, your car insurance rates in Kivalina, 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, Kivalina's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kivalina

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	$621
30s	USAA	$470
40s	USAA	$434
50s	USAA	$409
60s	USAA	$424
70s	USAA	$520

Cheapest Car Insurance Rates for Teen Drivers in Kivalina,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Kivalina at $209 per month. At $558 for a six-month premium, Western National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1242	$209
USAA	$1434	$239
Umialik	$2280	$388
Progressive	$2310	$389
Allstate	$2453	$417
Western National	$558	$95

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 Kivalina.

As young drivers face the highest rates in Kivalina, USAA offers the cheapest auto insurance rates at $621 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 Kivalina, Allstate is the cheapest car insurance provider. At $810 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 Kivalina is Western National, offering rates of around $594 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$810	$136
Progressive	$960	$162
Umialik	$978	$165
USAA	$1098	$187
State Farm	$2567	$428
Western National	$594	$99

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Car Insurance Rates with An Accident in Kivalina

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 Kivalina, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kivalina

The cheapest car insurance companies after an at-fault accident in Kivalina include State Farm and Umialik, offering $504 and $534, respectively. Western National is an expensive provider with an average six-month premium of $264.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$504	$85
Umialik	$534	$90
USAA	$606	$102
Allstate	$942	$159
Progressive	$1014	$171
Western National	$264	$44

Kivalina Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kivalina AK. For example, the car insurance in Kivalina after a DUI increases to $511 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Kivalina auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1055	$176
Not-at-fault accident	$1062	$181
One comp claim	$1062	$177
One Med/PIP claim	$1062	$181
Two comp claims	$1062	$177
Two Med/PIP claims	$1062	$181
Failure to show documents	$1151	$192
At-fault accident - less than $1000	$1188	$202
Failure to wear a seat belt	$1212	$202
Child safety restraint	$1224	$208
Driving without lights	$1224	$204
Cell phone violation	$1248	$212
Driving too slowly	$1248	$208
In 65 MPH zone	$1248	$212
Speeding 11 - 15 MPH over limit	$1248	$208
Speeding 16 - 20 MPH over limit	$1248	$212
Speeding 6 - 10 MPH over limit	$1248	$208
Speeding in school zone	$1248	$212
Texting while driving	$1248	$208
Driving with expired registration	$1266	$215
Failure to stop at a red light	$1266	$211
Failure to yield	$1266	$215
Following too closely	$1266	$211
Illegal turn	$1266	$215
Improper passing	$1266	$211
Wrong way/wrong lane	$1266	$215
Speeding 21 - 25 MPH over limit	$1290	$215
Passing school bus	$1302	$221
Operating a vehicle without permission	$1314	$219
Open container	$1416	$240
At-fault accident - $1000-$2000	$1440	$240
At-fault accident - greater than $2000	$1440	$244
Driving with a suspended license	$1500	$250
Refusal to submit to a chemical test	$1506	$257
Reckless driving	$1542	$257
DUI	$1566	$267
Racing	$1650	$275
Leaving scene of an accident/hit and run	$1655	$282

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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 Kivalina 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 Kivalina.

The cheapest car insurance premiums in Kivalina are offered by Umialik at $696 for a six-month policy. However, it can be as expensive as $264 with companies like Western National.

Kivalina car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$696	$117
Progressive	$984	$166
State Farm	$1188	$200
USAA	$1284	$216
Allstate	$1746	$294
Western National	$264	$44

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 Kivalina are offered by Umialik at $546. However, it can be as expensive as $264 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Kivalina after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$546	$92
State Farm	$708	$119
USAA	$750	$125
Allstate	$1026	$175
Progressive	$1032	$174
Western National	$264	$44

Car Insurance Price Trends in Kivalina, Alaska

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

The average cost of full coverage in the Kivalina rose by $185 in December compared to $180 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Kivalina rose to $43 in December, compared to $41 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Kivalina?

The car insurance in Kivalina is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Kivalina?

The cheapest car insurance in Kivalina is $145 per month for full coverage.

How much is car insurance in Kivalina for teenagers?

Car insurance for teenagers costs $1242 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 Kivalina?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $175 per month to insure your car in Kivalina.

Is car insurance expensive in Kivalina?

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

What is the best car insurance in Kivalina, AK?

The best car insurance company in Kivalina AK is Progressive, offering $864 for a six-month policy.