Cheapest Car Insurance Quotes in Nightmute

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Nightmute 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 Nightmute

The car insurance rate in Nightmute is $1084 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $855, making it a popular choice for budget-conscious drivers. Rates in Nightmute 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 Nightmute

$1084

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Nightmute

1st place: Progressive

At $855 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $909 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 $986 for six months, making it the third cheapest auto insurance company in Nightmute.

Nightmute Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nightmute, AK is Progressive, offering policies at just $855 for a six-month term. This is followed by USAA, which has an average six-month premium of $909.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1497 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nightmute drivers find the best deals.

Cheap Car Insurance Companies in Nightmute, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$855	$144
USAA	$909	$153
State Farm	$986	$166
Umialik	$1176	$198
Allstate	$1497	$255

Key Takeaways

Way's key takeaways about car insurance in Nightmute

The auto insurance costs in Nightmute fall around $855 for six months.
The cheapest auto insurance company in Nightmute is USAA.
Teen drivers pay the highest rate in Nightmute at $609 per month.

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Cheapest Minimum Liability Car Insurance in Nightmute

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 Nightmute are given below.

USAA provides the cheapest minimum car insurance coverage in Nightmute. Their Average 6 Month Premium is $190. Allstate is the most expensive at $327 for the same period.

Cheapest Liability Coverage in Nightmute, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$190	$32
Progressive	$279	$47
State Farm	$315	$53
Umialik	$315	$53
Allstate	$327	$55

Cheapest Full Coverage Car Insurance in Nightmute

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 Nightmute is Progressive at $144 per month and $855 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nightmute, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$855	$144
USAA	$909	$153
State Farm	$986	$166
Umialik	$1176	$198
Allstate	$1497	$255

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Average Car Insurance in Nightmute 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 Nightmute, AK increasing?

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

Car Insurance Premiums by Age in Nightmute

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	$610
30s	USAA	$461
40s	USAA	$426
50s	USAA	$402
60s	USAA	$417
70s	USAA	$511

Cheapest Car Insurance Rates for Teen Drivers in Nightmute,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Nightmute at $273 per month. At $3582 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1604	$273
Progressive	$1622	$273
State Farm	$1847	$311
Umialik	$2643	$441
Allstate	$3582	$609

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 Nightmute.

As young drivers face the highest rates in Nightmute, USAA offers the cheapest auto insurance rates at $610 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 Nightmute, Progressive is the cheapest car insurance provider. At $879 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 Nightmute is State Farm, offering rates of around $3986 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$879	$148
Allstate	$1093	$184
Umialik	$1105	$186
USAA	$1218	$207
State Farm	$3986	$664

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Car Insurance Rates with An Accident in Nightmute

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

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

The cheapest car insurance companies after an at-fault accident in Nightmute include Umialik and State Farm, offering $588 and $647, respectively. Allstate is an expensive provider with an average six-month premium of $1455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$588	$99
State Farm	$647	$109
USAA	$653	$110
Progressive	$950	$160
Allstate	$1455	$245

Nightmute Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nightmute AK. For example, the car insurance in Nightmute after a DUI increases to $505 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

Nightmute auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1045	$174
Not-at-fault accident	$1051	$179
One comp claim	$1051	$175
One Med/PIP claim	$1051	$179
Two comp claims	$1051	$175
Two Med/PIP claims	$1051	$179
Failure to show documents	$1140	$190
At-fault accident - less than $1000	$1176	$200
Failure to wear a seat belt	$1200	$200
Child safety restraint	$1212	$206
Driving without lights	$1212	$202
Cell phone violation	$1236	$210
Driving too slowly	$1236	$206
In 65 MPH zone	$1236	$210
Speeding 11 - 15 MPH over limit	$1236	$206
Speeding 16 - 20 MPH over limit	$1236	$210
Speeding 6 - 10 MPH over limit	$1236	$206
Speeding in school zone	$1236	$210
Texting while driving	$1236	$206
Driving with expired registration	$1253	$213
Failure to stop at a red light	$1253	$209
Failure to yield	$1253	$213
Following too closely	$1253	$209
Illegal turn	$1253	$213
Improper passing	$1253	$209
Wrong way/wrong lane	$1253	$213
Speeding 21 - 25 MPH over limit	$1277	$213
Passing school bus	$1289	$219
Operating a vehicle without permission	$1301	$217
Open container	$1402	$238
At-fault accident - $1000-$2000	$1426	$238
At-fault accident - greater than $2000	$1426	$242
Driving with a suspended license	$1485	$248
Refusal to submit to a chemical test	$1491	$254
Reckless driving	$1527	$254
DUI	$1550	$264
Racing	$1634	$272
Leaving scene of an accident/hit and run	$1639	$279

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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 Nightmute 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 Nightmute.

The cheapest car insurance premiums in Nightmute are offered by Umialik at $748 for a six-month policy. However, it can be as expensive as $2031 with companies like Allstate.

Nightmute car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$748	$126
Progressive	$950	$160
USAA	$1342	$226
State Farm	$1449	$244
Allstate	$2031	$342

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 Nightmute are offered by Umialik at $630. However, it can be as expensive as $1550 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Nightmute after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$630	$106
USAA	$873	$148
State Farm	$956	$161
Progressive	$1022	$172
Allstate	$1550	$258

Car Insurance Price Trends in Nightmute, Alaska

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

The average cost of full coverage in the Nightmute rose by $197 in January compared to $183 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 Nightmute 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 Nightmute?

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

What is the cheapest car insurance in Nightmute?

The cheapest car insurance in Nightmute is $144 per month for full coverage.

How much is car insurance in Nightmute for teenagers?

Car insurance for teenagers costs $1604 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 Nightmute?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $183 per month to insure your car in Nightmute.

Is car insurance expensive in Nightmute?

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

What is the best car insurance in Nightmute, AK?

The best car insurance company in Nightmute AK is Progressive, offering $855 for a six-month policy.