Cheapest Insurance Quotes for a Honda CR-V in Alaska

The chances of finding cheaper coverage for a Honda CR-V in Alaska is dependent upon things such as the age of the CR-V, your claims history, and violations on your driving record. Alaska drivers on average will pay $850 every 12 months to insure a CR-V, but that is an estimate that uses a 40-year-old single male driver that included both comprehensive and collision coverage and $100 policy deductibles.

This brings up the issue that more than likely you are not 40 and possibly not even male, married instead of single, or you need different physical damage deductibles. Auto insurance is not “one size fits all”, so the only real way to find the cheapest coverage for your Honda is to regularly compare rates at renewal. In just a few minutes you will receive prices from some of the most affordable companies in Alaska.

Find Cheaper Honda CR-V Insurance

Your Honda’s trim level tends to impact the yearly cost, so the price to insure a CR-V LX 2WD trim level will be $30 cheaper than the insurance cost for the fancier CR-V EX-L 4WD model, as shown by the rates below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in zip code location which can alter coverage rates substantially.

Which car insurance company is best in Alaska?

Selecting the top company can be difficult considering how many different companies insure vehicles in Alaska. The rank data in the next section could help you decide which insurers you want to consider shopping your coverage with. These rankings are only made up of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Alaska are not taken into consideration for this list.

Top 10 Major Auto Insurance Companies in Alaska Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Top 10 Major Auto Insurance Companies in Alaska Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. GEICO – 89%
5. The Hartford – 89%
6. The General – 88%
7. 21st Century – 88%
8. Allstate – 88%
9. Liberty Mutual – 88%
10. Esurance – 87%

Top Companies for Honda CR-V Insurance in Alaska

Discounts on Alaska insurance rates

Insurance providers that sell the cheapest insurance for a Honda CR-V in Alaska could also offer special discounts that can reduce rates by 30% or more if you are eligible. The best car insurance companies and the discounts they provide are detailed below.

• State Farm has savings for accident-free, driver’s education, Drive Safe & Save, student away at school, safe vehicle, and multiple autos.
• GEICO offers premium reductions for anti-theft, military active duty, defensive driver, federal employee, membership and employees, multi-policy, and five-year accident-free.
• Allstate may have discounts that include 55 and retired, farm vehicle, utility vehicle, eSmart discount, and EZ pay plan discount.
• SAFECO has discounts for anti-theft, accident prevention training, homeowner, teen safety rewards, and safe driver.
• Farm Bureau includes discounts for multi-policy, youthful driver, 55 and retired, good student, driver training, multi-vehicle, and safe driver.
• Progressive offers discounts for online signing, homeowner, continuous coverage, online quote discount, good student, multi-vehicle, and multi-policy.
• AAA discounts include good driver, multi-policy, good student, anti-theft, multi-car, and education and occupation.

The information below illustrates the difference between insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or driving citations, Alaska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, vehicle safety, multiple policy, homeowner, defensive driving course, and claim-free discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for a Honda CR-V is 27% or $440.

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Reckless driving habits raise car insurance rates

One of the best ways to maintain the most affordable car insurance premiums in Alaska for a CR-V is to be a cautious driver and avoid at-fault accidents and violations. The illustration below demonstrates how citations and accidents can influence insurance costs for each different age category. The prices are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2675,2869,4521],[‘Age 30’, 1397,1591,3241],[‘Age 40’, 1383,1577,3229],[‘Age 50’, 1255,1451,3101],[‘Age 60’, 1215,1411,3061],[‘Age 70’, 1469,1663,3315]]);var options = {title: ‘Impact of Citations and Accidents on Alaska Honda CR-V Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Alaska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy in Alaska per year with no accidents and a clean driving record is $1,566. Receive one speeding ticket and the average cost rises to $1,760, an increase of $195 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for a Honda CR-V goes up to an average of $3,411. That’s an increase of $1,846, or $154 per month, just for not driving attentively!

State Farm, Geico, Allstate, or Progressive: Who is cheapest?

If you want reliable insurance for a CR-V in Alaska, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. Combined they insure almost 50% of all policies written. All offer your standard physical damage and liability coverages, but each one has slightly different coverages and options that may influence your buying decision. The data below ranks some of the different options shoppers can find with each company.

Best cheap Honda CR-V insurance quotes

There are a variety of different ways to get cheap car insurance quotes in Alaska, but the most common ways are from an independent agent, an exclusive agency like Liberty Mutual or Allstate, or from a direct company like Progressive. They all follow the same basic process, but each is different in how they price policies.

Independent agents have contracts with multiple insurance companies and can get policy pricing from every one. These types of agencies have the freedom to get prices from more than one company, which can help you get a better chance of saving money. If they quote lower rates, the agent simply finds a different carrier without you having to go to a different agency.

Exclusive agents are usually just provide rates from one insurance company, two examples are a State Farm or Farmers agent. These agents are not able to provide rate quotes from other companies, so you will not be able to compare other companys’ rates.

The final way is buying direct, which means you do not use a local agent and buy direct from companies such as Progressive or Esurance. Shopping for car insurance direct may be good for consumers who have lower risk management needs and have a good understanding of what coverage options they need.

What is the best method to buy the cheapest insurance for a Honda CR-V in Alaska? Most people assume that shopping direct results in the cheapest price because there are no middleman commissions, but in reality, that argument does not hold true. We could also assume that buying car insurance from an independent agent results in the best rates since there are more companies to choose from, but again, that’s not a true statement. In a lot of cases, exclusive agents have extremely competitive rates that are the cheapest.

Since car insurance rates vary so much, really the only way to find out which one is cheapest is to get quotes and compare. Take some time and get prices from all three types to get a good idea who is cheapest. A great place to start is our list of online companies offering discounts: click here to view.