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Alaska Auto & Home Insurance Shopping Guide 2023
Updated: December 2022
Here are three reasons why most people pay too much for their auto or home insurance and fail to find the company that can save them a lot of money:
1. Many people never shop their auto or home insurance, sticking with the same company and paying their renewal year after year.
2. If people do shop their insurance coverage, they do not check with enough companies, failing to find the company or companies with the best combination of coverage, service, and rates for them.
3. People only get quotes online, instead of speaking with an insurance professional trained to quote them the coverage they need at the best price, with all the discounts they deserve. It is always best to buy insurance from an agent. A good agent can make the difference between loving or hating your insurance company.
How this guide can help you find the best company for you:
Many auto or home insurance customers do not know all the companies available in their state or their recent complaint records, making it unlikely they will find the company with the best rates, coverage & service for them. Some of the best companies are not well-known because they do little advertising. The objective of this guide is to show you all the major companies offering auto and/or home insurance coverage in Alaska and the three-year auto & home insurance complaint record for each company. Links are provided to the website for each company so you can locate an agent near you or get a price quote online if available. None of the hyperlinks on my website are affiliate links and I receive no financial compensation from any company.
Will you be eligible for all these auto and home insurance companies?
Insurance companies have different eligibility criteria, so not everyone may qualify for all the companies shown in this guide. However, everyone can benefit by shopping, even if they have recent claims or other factors making them ineligible for some companies. If you do not qualify for many of the companies in this guide due to recent claims, property condition/location, driving record, or other factors, there should still be agents representing companies listed in this guide who can help you. Please email me at help@smartshopyourcarinsurance.com to let me know if none of the companies listed in this guide can help you or if there is any incorrect information in this guide.
The Major Auto and Home Insurance Companies in Alaska
If you are looking for a company available in Alaska with a much better than average auto and home insurance complaint record, scroll down to check out these companies:
Country Financial
Umialik Insurance Company
Here are the biggest & best auto and home insurance brands in Alaska you may or may not know, listed in alphabetical order:
1. Allstate Insurance
Allstate is a well-known, heavily advertised insurance company and is one of the largest auto & home insurance companies in almost all US states. Founded in 1931, Its corporate office is in Northfield Township, IL. Allstate offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
Allstate owns these additional brands, also providing auto and/or home insurance: Encompass, Esurance, and National General. Esurance and Encompass are not available in Alaska.
2021 market share for Allstate Insurance:
Allstate is the fourth largest auto insurer and third largest home insurer in Alaska
Complaint record for Allstate Insurance:
The 2019-2021 auto and home insurance complaint record for Allstate Insurance is not consistently better than the industry average. If Allstate has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Allstate Insurance:
Allstate sells its insurance through its own network of Allstate agents with offices located in communities throughout Alaska. Allstate insurance may also be available in Alaska from select independent insurance agencies appointed to represent the company. There may be a discount for buying online from Allstate, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.
Check out the Allstate website to learn more about the company and find an agent near you:
https://www.allstate.com/
2. Country Financial Insurance
Country Financial is a group of insurance companies offering insurance products in these 19 US states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin. Established in 1925, Country Financial is headquartered in Bloomington, IL. Country Financial offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
2021 market share for Country Financial Insurance:
Country Financial is the seventh largest auto insurer and the fifth largest home insurer in Alaska.
Complaint record for Country Financial Insurance:
The 2019-2021 auto and home insurance complaint record for Country Financial is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.
How to buy a policy from Country Financial Insurance:
Country Financial sells its insurance through its own group of Country Financial agents located in sales offices across Alaska. There is no discount or lower rate for getting a quote from the Country Financial website or buying online.
Check out the Country Financial website to learn more about the company and find an agent near you:
https://www.countryfinancial.com/
3. GEICO Insurance
GEICO, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, operates in almost all US states, and is a wholly owned subsidiary of Berkshire Hathaway. Established in 1936, GEICO is headquartered in Chevy Chase, MD. GEICO underwrites auto insurance only, but sells other types of personal insurance, such as homeowners insurance, acting as an agent for other companies. So, for example, if you buy homeowners insurance from GEICO, your home is not insured by GEICO, but by another company GEICO represents as an agent.
2021 market share for GEICO Insurance:
GEICO is the second largest auto insurer in Alaska
Complaint record for GEICO Insurance:
The 2019-2021 auto insurance complaint record for GEICO is not consistently better than the industry average. Since most GEICO customers do not have an agent to help them if they have a service problem, you should consider other companies instead of GEICO (if you do not have a good GEICO agent available to you), unless the price savings with GEICO is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.
How to buy a policy from GEICO Insurance:
In Alaska, GEICO at this time is only quoting and selling policies online through its website linked here:
geico.com
4. Hartford Insurance
Hartford Insurance is a group of insurance companies available in most US states, but may not be as well-known, as it does not advertise as much as other major competitors selling auto and home insurance. Founded in 1810, Hartford Insurance is headquartered in Hartford, CT. Hartford offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
Hartford has a popular insurance program for drivers 55 years old or older, in partnership with AARP. Membership in AARP is required to be eligible for the Hartford/ AARP auto and home insurance program.
2021 market share for Hartford Insurance:
Hartford is the eighth largest auto insurer and the tenth largest home insurer in Alaska.
Complaint record for Hartford Insurance:
The 2019-2021 auto and home insurance complaint record for Hartford is not consistently better than the industry average. Since Hartford sells direct in Alaska, Hartford customers in the state do not have an agent to help them if they have a service problem. You should consider other companies instead of Hartford, unless the price savings with Hartford is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.
How to buy a policy from Hartford Insurance:
Hartford has no agents in Alaska and sells direct from the company to Alaska residents. You can request a price quote and see if your eligible for Hartford auto and/or home insurance at the Hartford website here:
thehartford.com
5. Progressive Insurance
Progressive, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, but is also available from most independent insurance agencies, operates in almost all US states. Established in 1937, Progressive is headquartered in Mayfield, OH.
Like GEICO, Progressive underwrites auto insurance only, but sells other types of personal insurance, acting as an agent for other companies. However, in 2015, Progressive bought controlling interest in American Strategic Insurance (ASI), which it now uses as its primary home insurer. If Progressive sells you a policy not underwritten by Progressive or ASI, they are acting as an agent and not as your insurance company. For example, Progressive represents Homesite Insurance and sells its homeowners insurance. If Progressive sells you a Homesite homeowners insurance policy, Progressive is your agent and Homesite is the insurance company insuring your home.
2021 market share for ASI & Progressive Insurance:
Progressive is the fifth largest auto insurer in Alaska. Residential property insurance from American Strategic Insurance is not currently available in Alaska.
Complaint record for ASI & Progressive Insurance:
The 2019-2021 auto and home insurance complaint record for ASI & Progressive is not consistently better than the industry average. If Progressive has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue. If you choose to buy direct from Progressive, your price savings needs to be significant, for it to be worth you having to fix claims or service problems on your own. Check out recent Progressive customers reviews online to see what problems may come up when you buy direct. Click this link to see Progressive Insurance customer reviews at the Yelp website.
How to buy a policy from Progressive Insurance:
If you want to find the best price with Progressive, you want to get a price quote direct from the company and from a local independent insurance agent representing Progressive. It may be counter-intuitive, but an agent may have the best rates for you. Also, the agent represents other companies that may have better rates for you than Progressive. Always check with an agent first, then check to see if there is a lower rate for buying direct saving you enough money to be worth not having an agent.
Check out the Progressive website to learn more about the company and find an agent near you:
https://www.progressive.com/
6. Safeco Insurance
Safeco Insurance is a group of insurance companies available across the USA, but it is best known in western states. Safeco is not available in Hawaii, Delaware, New Jersey, Rhode Island, and D.C. Safeco has been owned by Liberty Mutual since 2008 yet continues to operate as a separate entity and brand. Founded in 1923, Safeco Insurance is headquartered in Seattle, WA. Safeco offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
2021 market share for Safeco Insurance:
Safeco is the sixth largest auto insurer and the fourth largest home insurer in Alaska.
Complaint record for Safeco Insurance:
The 2019-2021 auto and home insurance complaint record for Safeco is not consistently better than the industry average. If Safeco has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Safeco Insurance:
Safeco sells its insurance through a network of select independent insurance agencies located in communities throughout Alaska. There is no discount or lower rate for buying direct or online from Safeco.
Check out the Safeco website to learn more about the company and find an agent near you:
https://www.safeco.com/
7. State Farm Insurance
State Farm is a well-known, heavily advertised insurance company and is the largest auto & home insurer in many US states. Founded in 1922, the headquarters for State Farm is in Bloomington, IL. State Farm offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
In 2021, State Farm purchased GAINSCO, a nonstandard auto insurance company operating in Alabama, Arizona, Florida, Georgia, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Virginia. GAINSCO continues to operate as a separate brand and is available through independent insurance agencies appointed to represent GAINSCO. State Farm agents may not yet offer GAINSCO nonstandard auto insurance. State Farm itself does not offer nonstandard auto insurance, which insures drivers with a poor driving record, too many claims, or other circumstances making them ineligible for standard auto insurance.
2021 market share for State Farm Insurance:
State Farm is the largest auto insurer and the largest home insurer in Alaska.
Complaint record for State Farm Insurance:
The 2019-2021 auto and home insurance complaint record for State Farm is not consistently better than the industry average. If State Farm has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from State Farm Insurance:
State Farm sells its insurance through its own network of State Farm agents with offices located in communities throughout Alaska. There is no discount or lower rate for buying direct or online from State Farm or any other website.
Check out the State Farm website to learn more about the company and find an agent near you:
https://www.statefarm.com/
8. Umialik Insurance Company
Umialik Insurance Company is a subsidiary of Western National Mutual Group and offers auto & home insurance in Alaska only. Established in 1981, Umialik Insurance Company is headquartered in Anchorage, AK. Umialik Insurance Company offers auto insurance, residential property (homeowners, condominium renters) insurance, and other types of policies usually available from companies in the personal insurance market.
2021 market share for Umialik Insurance Company:
Umialik Insurance Company the ninth largest auto insurer and the sixth largest home insurer in Alaska.
Complaint record for Umialik Insurance Company:
The 2019-2021 auto and home insurance complaint record for Umialik Insurance Company is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.
How to buy a policy from Umialik Insurance Company:
Umialik Insurance Company is available exclusively through a network of select independent insurance agencies located in communities throughout Alaska. You cannot buy Umialik auto or home insurance direct or online from its website. There is no discount or lower rate for getting a quote online from any website.
Check out the Umialik Insurance Company website to learn more about the company and find an agent near you:
https://www.umialik.com/
9. USAA Insurance
USAA is a group of insurance companies providing financial services to active US military & veterans. Established in 1922, USAA is headquartered in San Antonio, TX. USAA insurance and banking products are not available if you do not meet its membership requirements.
To be considered for USAA insurance, you must be eligible for membership in USAA, most commonly by being a current military member or honorably discharged veteran, immediate family member of someone in the military, or a former policyholder.
.
USAA offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market. For some common types of personal insurance, USAA partners with other companies. For example, USAA partners with Progressive for motorcycle insurance. Be sure to know which company is actually insuring you before buying insurance from USAA.
2021 market share for USAA Insurance:
Despite its restricted membership, USAA is the third largest auto insurer and second largest home insurer in Alaska.
Complaint record for USAA Insurance:
Contrary to its long reputation for superior service, the 2019-2021 auto and home insurance complaint record for USAA is not consistently better than the industry average. Since you will not have an agent to help you if you have a problem, be sure to see what USAA customers are saying about the company online before choosing USAA. You can click this link to see USAA Insurance customer reviews at the Yelp website.
How to buy a policy from USAA Insurance:
The only way to buy a policy or get a price quote is from the USAA website or calling the company. USAA sells direct and does not use agents. Learn more about USAA and its eligibility requirements at their website linked here:
usaa.com
Do not make this mistake when shopping for auto or home insurance:
Most insurance shoppers do not check with enough companies and do not contact any independent agents. There are more auto and home insurance companies available in Alaska. Some companies, not among the companies with the largest auto or home insurance market share in Alaska, were not included in this shopping guide. These companies include some name brands that may be familiar among the public, such as Nationwide Insurance or Horace Mann, an insurance company for educators. Many of these companies are available through independent agents across Alaska. The agents you find through the Hartford, Progressive, Safeco, & Umialik Insurance Company websites are independent agents representing other companies. Make sure you check with agents representing each of the companies listed in this shopping guide to help you find the insurance agent with the best combination of coverage, service, and price for you.
There are a few more important auto and home insurance companies, not available through most independent agents, you can find out about here in my supplemental auto & home insurance guide.
Why can you rely on my guides to help you find the best insurance companies for you? Check out my webpage explaining the sources of the information I use in my auto & home insurance guides, how I use the information, and what it should mean to you, to help you best use this guide.