The car, truck, or SUV you are buying coverage for is probably the biggest factor when shopping around for the most economical car insurance for government employees. Vehicles with reasonable performance levels, modern passenger safety features, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The data below estimates car insurance premiums for the most economical automobiles to insure in Alaska.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,452 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,594 |
| Honda Odyssey EX | $1,681 |
| Toyota RAV4 4WD | $1,714 |
| Ford Escape XLS 2WD | $1,777 |
| Toyota Camry SE | $1,804 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,811 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,837 |
| Ford F-150 XL Crew Cab 4WD | $1,903 |
| Chevrolet Impala LS | $1,930 |
| Ford Edge SE AWD | $1,937 |
| Toyota Camry Hybrid | $1,963 |
| Chevrolet Malibu LS | $1,968 |
| Toyota Tacoma Double Cab 4WD | $1,973 |
| Toyota Prius | $1,976 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific location information which can influence premium rates significantly.
Based on these rates, you can conclude that cars like the Honda CR-V, Jeep Wrangler, Honda Odyssey, Toyota RAV4, and Ford Escape are most likely to be a few of the most budget-friendly vehicles to insure for state and federal workers.
Finding dependable, cost effective car insurance is confusing at best, and deciding which companies offer the cheapest insurance rates for government employees may require a little more work. Every insurance company has a different formula to set policy rates, so we’ll go over the most competitive insurance companies in Alaska.
It’s a good idea to know that Anchorage, AK insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. This is why consumers need to compare as many rates as possible to find the most budget-friendly insurance rates for government employees. Insurance prices can be altered by many factors and can decrease or increase without notice, so the most economical option two years ago may now be one of the higher cost companies.
Find the Cheapest Car Insurance in Alaska
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Umialik | $901 |
| 2 | USAA | $939 |
| 3 | State Farm | $965 |
| 4 | Progressive | $1,210 |
| 5 | GEICO | $1,943 |
| 6 | Allstate | $2,374 |
| 7 | Safeco | $2,526 |
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Umialik offers some of the most affordable car insurance rates in Anchorage at around $901 each year. This is $642 less than the average price paid by Alaska drivers of $1,543. USAA, State Farm, Progressive, and GEICO are also some of the cheaper Anchorage, AK auto insurance companies.
As the rates illustrate above, if you currently buy coverage from USAA and switched to Umialik, you might see an annual premium reduction of in the neighborhood of $38. Insureds with State Farm might save as much as $64 a year, and Progressive policyholders might reduce rates by $309 a year.
To see how much you can save, click here to start your custom quote or click several companies below for low rates.
Understand that those premiums are averages across all insureds and vehicles and and are not figured with an exact vehicle garaging location for government employees. So the car insurance company that can offer you the lowest price may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.
For state and federal workers, one of the big factors that are looked at to determine the annual cost of car insurance is where you keep your car in Anchorage. Areas with more people or higher crime rates tend to pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The table below sorts the most expensive places in Alaska for government employees in which to buy car insurance. Anchorage is listed at #4 with an annual cost of $1,256 for the average insurance policy, which is about $105 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Palmer | $1,304 |
| 2 | Wasilla | $1,278 |
| 3 | Fairbanks | $1,272 |
| 4 | Anchorage | $1,256 |
| 5 | Meadow Lakes | $1,252 |
| 6 | College | $1,232 |
| 7 | Homer | $1,226 |
| 8 | Sterling | $1,202 |
| 9 | Nikiski | $1,190 |
| 10 | Kenai | $1,190 |
| 11 | Kodiak | $1,155 |
| 12 | Ketchikan | $1,055 |
| 13 | Juneau | $999 |
| 14 | Sitka | $997 |
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Prices are approximated as the specific geographic location can revise prices substantially.
The diagram below highlights how deductible choice can increase or decrease premium costs when searching for cheap insurance for government employees. The premiums are based on a single male driver, full coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could lower rates by $312 a year by switching from a $100 deductible to a $500 deductible, or save $470 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, could save up to $1,030 or even more by choosing larger deductibles on their policy.
When raising deductibles, it will be required to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Alaska insurance companies ranked
Selecting the right insurance company is difficult considering how many different insurance companies sell coverage in Alaska. The rank data in the lists below could help you analyze which providers to look at comparing price quotes from. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
If you aren’t clear which coverage you need and would like to get some help when buying car insurance for government employees, the insurance agencies listed below are willing to aid you in deciding which auto insurance policy fits you best.
To find an agent near you, click the button below the list or click here to get price quotes now.
Kevin Dykman Agency
4450 Cordova St #120 – Anchorage, AK 99503 – (907) 563-5300
Allstate Insurance: Devery Prince Agency Team
401 E Fireweed Ln Ste 200 – Anchorage, AK 99503 – (907) 279-9000
Lisa Sanders – State Farm Insurance Agent
8427 Laviento Dr #201 – Anchorage, AK 99515 – (907) 344-0506
Allstate Insurance: Kay Rodriguez
5001 Arctic Blvd Ste 201 – Anchorage, AK 99503 – (907) 562-0003
Alaska Pacific Insurance Agency dba: APIA Insurance
912 E 15th Ave #100 – Anchorage, AK 99501 – (800) 890-5563
Find an Anchorage, AK insurance agent near you
Tips for finding more affordable insurance for government employees
The list below shows some of the recommended thrifty ideas that can help Alaska drivers buy cheaper auto insurance.
- Keep your driving record clean
- Try to remain claim-free
- Safer vehicles cost less to insure
- Prevent rate increases by staying accident-free
- Drivers with good credit ratings often pay less
- Compare rates regularly to ensure the best deal
The last suggestion is certainly significant, as we noted in the prior article. Insurance rates can be changed at any time, so drivers shouldn’t be resistant to buy a different policy if you find a better deal.
Staying with the same car insurance company is fine, but it’s not a great idea if that loyalty results in overpaying big bucks every year. In just a couple of minutes you could compare rates to find cheaper auto insurance for government employees in Anchorage.