How Much are Insurance Quotes for a Honda Civic in Alaska?

How Much are Insurance Quotes for a Honda Civic in Alaska?

Whether or not you can find affordable car insurance for a Honda Civic in Alaska is dependent upon a fairly complex equation with a lot of factors like how old the vehicle is, your credit rating, and any prior driving offenses you have. Drivers will pay around $990 every 12 months to buy insurance for a Honda Civic, but that cost is based on a 40-year-old single male driver with full coverage including both comprehensive and collision and $500 physical damage deductibles.

More likely than not, you are not exactly 40 years old and possibly not even male, married instead of single, and there is a good chance that there are other drivers on your policy. Auto insurance requires individual risk assessment, so the best way to find cheap insurance prices for your Honda is to start the habit of comparing rates at least once a year.

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Your vehicle’s trim level tends to impact price, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $332 cheaper than the cost to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown by the rates below.

Honda Civic Insurance Rates in Alaska
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $146 $328 $330 $20 $98 $922 $77
Civic VP 4-Dr Sedan $146 $388 $330 $20 $98 $982 $82
Civic LX 4-Dr Sedan $146 $388 $330 $20 $98 $982 $82
Civic DX 2-Dr Coupe $146 $388 $412 $24 $124 $1,094 $91
Civic EX 4-Dr Sedan $146 $388 $330 $20 $98 $982 $82
Civic LX-S 4-Dr Sedan $146 $388 $330 $20 $98 $982 $82
Civic LX 2-Dr Coupe $146 $446 $412 $24 $124 $1,152 $96
Civic EX-L 4-Dr Sedan $168 $446 $330 $20 $98 $1,062 $89
Civic SI 4-Dr Sedan $168 $446 $330 $20 $98 $1,062 $89
Civic EX 2-Dr Coupe $168 $446 $412 $24 $124 $1,174 $98
Civic GX 4-Dr Sedan $168 $446 $330 $20 $98 $1,062 $89
Civic EX-L 2-Dr Coupe $168 $446 $412 $24 $124 $1,174 $98
Civic Hybrid 4-Dr Sedan $190 $388 $330 $20 $98 $1,026 $86
Civic SI 2-Dr Coupe $190 $504 $412 $24 $124 $1,254 $105
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can revise rates noticeably.

Choosing a high-quality insurer can be difficult considering how many companies are available to choose from in Alaska. The ranking information listed below can help you select which companies you want to consider when comparing rate quotes. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Alaska are not factored into this list.

Top 10 Major Car 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 Companies for Honda Civic Insurance in Alaska

Types of discounts on Alaska insurance

Insurance for a Civic in AlaskaInsurance companies that sell cheap insurance for a Honda Civic in Alaska may also give you premium discounts that could lower prices by as much as 35% or more if you meet specific criteria. Larger insurance companies and their possible discounts can be read below.

  • 21st Century has discounts for automatic seat belts, theft prevention, homeowners, air bags, student driver, and 55 and older.
  • Progressive offers premium reductions for multi-vehicle, homeowner, online quote discount, good student, and online signing.
  • State Farm may offer discounts for defensive driving training, driver’s education, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, accident-free, and good student.
  • Nationwide policyholders can earn discounts including business or organization, Farm Bureau membership, anti-theft, good student, multi-policy, family plan, and defensive driving.
  • Esurance may include discounts for multi-car, defensive driver, anti-lock brakes, safety device, Switch & Save, claim free, and emergency road assistance.
  • The Hartford offers discounts for driver training, anti-theft, air bag, bundle, and defensive driver.

The diagram below shows the comparison of insurance prices with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving citations, Alaska state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, homeowner, anti-theft, multiple policy, marriage, and accident-free discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Honda Civic is 28% or $468.

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

When it comes to buying insurance for a Civic in Alaska, four of the best places to start are Geico, Progressive, State Farm, and Allstate. The following table ranks price and claims rank as well as some different options shoppers can expect to find with each one.

Largest U.S. Car Insurance Company Ratings
Geico Progressive State Farm Allstate
Customer Satisfaction 1st 3rd 4th 2nd
Overall Cost 1st 3rd 2nd 4th
Claims Handling 3rd 4th 2nd 1st
Discounts Available 2nd 4th 3rd 1st
Percent of U.S. market 11.4% 8.8% 18.3% 10%
Recommend by customers 87% 88% 88% 86%
A.M. Best financial rating A++ A+ A++ A+
Mechnical breakdown Yes Yes No No
Emergency roadside service Yes Yes Yes Yes
New car replacement No No No Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Accident forgiveness Yes Yes No Yes
Rating based on usage No Yes Yes Yes
Coverage in Alaska Yes Yes Yes Yes
Where you can buy Online or through a Geico agent Buy online or from an independent agent Can only buy from State Farm agents Allstate exclusive agents
Number of agents 150+ 30,000+ 18,000+ 11,000+
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How to find budget-friendly insurance for a Honda Civic

Here are some of the recommended thrifty suggestions that can help drivers get cheap car insurance.

  • Increase your deductibles
  • Bundle home and auto and earn a discount
  • Save money by observing traffic laws and speed limits
  • Improve your credit
  • Earn a discount by not filing claims
  • Avoid at-fault accidents and claims
  • Keep rates low by shopping around frequently

The final tip is notably vital, as we discussed in the article above. Auto insurance rates fluctuate considerably, so don’t be afraid to change to a new company if you can save money. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty ends up costing several hundred dollars every year. Take a couple minutes and shop around and find cheaper auto insurance for a Honda Civic.

Cheap Honda Civic insurance quotes

You have a lot of ways to quote insurance rates in Alaska, but the three most common are through an independent or non-exclusive agent, an exclusive agency like State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico.

They all have the same end result, but each is different in how they give price quotes.

Independent insurance agencies work for many companies and can get rate quotes from all of them. They are not locked into one company and can quote rates with many companies, which can help you get a better chance of finding cheaper coverage. If prices rise, your agent can just switch to a different company and the insured can keep the same agent.

A captive, or exclusive, agent is limited to one company, two popular examples being an Allstate or Liberty Mutual agent. They generally cannot provide a range of price quotes, so it’s a good idea to shop around.

Buying direct means you do not use either of the other two types of agents and instead buy direct either online or via phone. This option may be preferred by drivers who do not have a lot of assets and know what coverage limits and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap insurance for a Honda Civic in Alaska? We’d like to tell you buying from a direct company results in the best prices since there isn’t an agent involved, but that is not always the case. We could also assume that going through an independent agent guarantees the lowest rates because you have more choices, but that is not necessarily true either. For some people, exclusive agencies have extremely competitive rates that are the lowest in Alaska.

Since insurance companies use so many rating factors, really the best method to buy the cheapest coverage is to do a thorough rate comparison. We highly recommend getting prices from all three to give yourself the best selection. For a list of insurance companies with low rates, click here to view.