Cheap Auto Insurance for State Employees in Alaska

Comparing rates for low-priced insurance is not easy, and determining which companies have the cheapest car insurance rates for state employees will involve even more diligence. Each auto insurance company uses a different method to set premium rates, so to begin we’ll rank the car insurance companies with the most affordable rates in Alaska.

It’s important that readers know that Alaska car insurance rates are determined by lots of factors which can substantially change the cost of a policy. Price variation is why Alaska drivers need to shop around with many companies to find the cheapest insurance quotes for state employees. Prices are influenced by many factors and can increase or decrease at any time, so the most economical option the last time you compared rates may now be one of the more expensive options.

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Umialik generally has some of the most affordable car insurance rates in Alaska at around $901 per year. USAA, State Farm, Progressive, and GEICO are also some of the cheaper Alaska car insurance companies.

As shown above, if you currently have coverage with USAA and switched to Umialik, you might realize an annual premium reduction of approxmiately $38. Insureds with State Farm may save as much as $74 a year, and Progressive policyholders might reduce rates by $346 a year.

Understand that those premiums are averages for all ages of drivers and types of vehicles and do not factor in a price decrease for state employees. So the auto insurance company that can offer you the best rate may not even be featured in the chart above. That point stresses why you need to get auto insurance quotes using your own driver information and specific vehicle type.

When shopping for cheaper insurance for state workers, one of the many things that insurance companies use to calculate the annual cost of car insurance is where you live in Alaska. Areas with more people or higher crime rates like Meadow Lakes, Fairbanks, and Palmer tend to pay slightly more, whereas areas with less congestion benefit from lower rates.

The table below lists the most expensive areas in Alaska for state employees to purchase a policy in.

Premium amounts are estimated as the specific Alaska residence address can raise or lower rates significantly.

The type of vehicle you are buying coverage for is one of the largest factors when comparing the best coverage for state employees. Vehicles with economical engines, excellent safety ratings, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The next list outlines coverage rates for some of the more afforable automobiles to insure in Alaska.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in specific zip code location which can lower or raise premiums noticeably.

Based upon these rates, we can presume that vehicles like the Honda CR-V, Chevrolet Traverse, and Ford Escape are some of the cheaper vehicles to insure for state workers.

Picking the top car insurance provider is difficult considering how many choices there are in Alaska. The company ratings in the lists below can help you analyze which companies to look at purchasing from.

These ratings are for companies that insure vehicles nationwide, so companies that may only write in Alaska will not be included in these rankings. To compare rates from the insurers below and more, follow this link.

Top 10 Large Car Insurance Companies in Alaska Ranked by Customer Service

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

Top 10 Large Car 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%

Cheapest car insurance: Progressive, Geico, State Farm, or Allstate

When it comes to auto insurance for state workers, the four most popular companies are Progressive, Geico, State Farm, and Allstate. All four offer physical damage and liability coverage, but each has a unique set of features, discounts, and options that may influence your buying decision. The following table ranks ratings for price and service, as well as some optional coverages that policyholders can buy.