Finding out which companies offer the best insurance rates for handicapped drivers will require a little more work in order to find the best policy. Each auto insurance company has a unique approach for establishing rates, so we need to take a look at the insurance companies with the overall cheapest rates in Alaska.
It’s important that you understand Alaska insurance rates are calculated based on many things that will increase or decrease the policy price. Simply having another birthday, getting married, or getting into an accident may prompt premium changes that can now make some companies affordable when they were higher priced.
Best Car Insurance Prices in Alaska
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Umialik | $874 |
| 2 | USAA | $929 |
| 3 | State Farm | $1,005 |
| 4 | Progressive | $1,247 |
| 5 | GEICO | $1,905 |
| 6 | Allstate | $2,397 |
| 7 | Safeco | $2,501 |
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Umialik generally has some of the lowest car insurance rates in Anchorage at around $874 annually. USAA, State Farm, Progressive, and GEICO are also some of the cheaper Anchorage, AK car insurance companies.
As shown in the rates above, if you currently buy coverage from GEICO and switched to USAA, you could see savings of roughly $976. Customers with Allstate could save as much as $1,468 a year, and Safeco policyholders might cut rates by $1,572 a year.
To get a fast rate comparison, click here to start a quote or quote prices from the following companies.
These premium estimates are averaged across all drivers and vehicles and are not factoring in a vehicle location for handicapped drivers. So the car insurance company that is best for you may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own specific driver and vehicle information.
The vehicle to be insured is probably the largest consideration when looking for the best auto insurance for handicapped drivers. Vehicles with lots of horsepower, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The next table features auto insurance prices for a number of the most economical vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,382 |
| Ford F-150 FX2 Super Cab 2WD | $1,426 |
| Honda CR-V EX-L 4WD | $1,479 |
| Ford Focus S 4-Dr Sedan | $1,485 |
| Ford Explorer Eddie Bauer 4WD | $1,538 |
| Chevrolet Malibu LT | $1,548 |
| Hyundai Elantra SE Touring Station Wagon | $1,558 |
| Ford Escape Limited 4WD | $1,563 |
| Chevrolet Impala LTZ | $1,588 |
| Toyota Prius | $1,596 |
| GMC Sierra SLT Extended Cab 2WD | $1,619 |
| Honda Odyssey EX W/Rear Entertainment | $1,625 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,619 |
| Dodge Grand Caravan SE | $1,622 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,652 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes noticeably.
Based upon these rates, we can presume that cars like the Honda Accord, Ford F-150, Honda CR-V, and Ford Focus are going to be a few of the cheaper vehicles to insure for drivers with handicaps.
The example below shows how choosing a deductible can change insurance costs when getting quotes for cheap insurance for handicapped drivers. The information is based on a married male driver, full physical damage coverage, and no discounts are factored in.
A 40-year-old driver could lower rates by $264 a year by changing from a $100 deductible up to a $500 deductible, or save $400 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 category, could drop their prices $884 annually just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is important to have enough savings set aside to offset the extra out-of-pocket expense that comes with higher deductibles.
How accidents and tickets impact rates in Anchorage
The easiest method to maintain good insurance prices in Anchorage for drivers with handicaps is to be an attentive driver and avoid accidents and violations. The information below shows how speeding tickets and at-fault claims can influence insurance premiums for different age groups. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of car insurance per year with a clean driving record and no accidents is $1,098. Get two speeding tickets and the average cost swells to $1,459, an increase of $361 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for handicapped drivers jumps again to an average of $1,824. That’s an increase of $726, or $61 per month, just for not paying attention while driving!
Picking a good quality insurer is hard considering how many companies there are in Alaska. The information in the lists below can help you pick which companies to look at when comparing rates. The ratings below only include companies that insure vehicles across America, so companies that focus mainly on Alaska business will not be included in these rankings.
Top 10 Major Auto Insurance Companies in Anchorage Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Progressive
- The General
- Allstate
- American Family
- AAA Insurance
- Liberty Mutual
- Farmers Insurance
Top 10 Major Auto Insurance Companies in Anchorage Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- 21st Century – 88%
- Allstate – 88%
- Liberty Mutual – 88%
- Esurance – 87%
How to find the cheapest car insurance for handicapped drivers
The list below shows many money-saving suggestions that can help Alaska drivers get low-cost car insurance.
- Raise your physical damage coverage deductibles
- At-fault accidents can raise rates significantly
- Pay for small claims rather than turning them in to your insurance company
- Home or renters coverage can save on auto insurance
- Avoid speeding and other traffic citations and pay less
- Good credit can save money
- Compare rates and switch if you can find a better deal
That final tip is extremely crucial, as was noted in this write-up. Prices charged by auto insurers go up and down frequently, so drivers shouldn’t hesitate to change to a new company if a more affordable rate is found.
Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that loyalty results in overpaying a fortune every year. Spend a few minutes and compare rates and find cheaper car insurance for handicapped drivers in Anchorage.