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Alaska Car Insurance Requirements

Alaska Minimum Car Insurance Requirements

Alaska requires any drivers to carry a minimum amount of liability insurance coverage. You can go beyond these, depending on what your driving circumstances are, but you must at least meet the state’s requirements. Failure to do so can result in some severe penalties. Outlined below are the mandatory liability insurance minimums for the state of Alaska:

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $25,000 property damage per accident

Alaska requires drivers to carry proof of insurance, and you must present it if asked to by law enforcement. If you finance or lease a car, your lender or leasing company may require you to carry additional car insurance.

Car Insurance Exemptions in Alaska

Due to Alaska being a large state with many remote areas for people to live in, some places may not require vehicle registration. Due to this, if registration is not required, neither is car insurance. check with Alaska’s Divison of Motor Vehicles to see if you live in an area exempt from carrying minimum liability insurance.

Alaska Liability Car Insurance Coverage

Liability insurance is the only required coverage in the state of Alaska. Liability coverage pays for damage you have caused in an accident. This includes both bodily injury and property damage. Liability insurance will never pay for damage you or your car has sustained in an accident. It is strictly for the other party. Coverage limits are expressed by three numbers. In Alaska, the mandatory minimum liability insurance policy is 50/100/25.

Car Insurance Limits in Alaska

Coverage limit is the set amount of money your insurance provider will pay for damages after an accident. As outlined above, there is a set minimum required by the state of Alaska. Carrying only the state-mandated minimum insurance means what is expressed is the maximum amount of damage your provider will pay for.

Liability is split into three different categories, each with its own function:

  • Bodily injury coverage per person is the maximum amount of money your car insurance company will pay for one person’s injuries in an accident you caused.
  • Bodily injury coverage per accident is the most amount your insurer will pay for all injuries after an accident you were responsible for.
  • Property damage per accident is the maximum amount your insurance policy will pay for property damage you caused.

The numbers outlined by the Alaska government are just the required minimums. You are free to purchase higher amounts and extended coverage from insurance providers.

Is Alaska’s Mandatory Car Insurance Minimums Enough Coverage?

The state of Alaska has set higher liability insurance minimums than other states, but it is always a good idea to buy coverage beyond it. Accidents can get very costly. Between medical expenses and car repairs, significant damage can be easily done with one incident. If you can afford it, buy above the minimums and add any additional coverage, you feel you and your car may need.

Driving Without Car Insurance in Alaska

Refusing to carry the state-mandated liability insurance minimums is a serious crime in the state of Alaska. The table below outlines what you could be facing if you fail to provide proof of insurance when asked:

1st Offense
2nd Offense
License Suspension
90 days
1 year

You may also be required to obtain SR-22 insurance and maintain it for up to three years following a license suspension. Consequences can get more severe as you wrack up more instances of driving without insurance.

Alaska also has on its books what is known as the No Pay, No Play law. No Pay, No Play laws state that drivers who fail to carry insurance will receive a limited amount of money if involved in a crash they did not cause. Along with this, they typically cannot sue for damages like pain and suffering compensation. Even if you do not cause an accident when not carrying insurance, you still face penalties.

Other Car Insurance Coverage in Alaska

While the state of Alaska only requires you to carry liability insurance, there is additional coverage you can obtain for your insurance policy. Listed below are some common types of insurance companies offer:

  • Collision: This type of insurance covers damage to your car when in an accident, no matter who is at fault.
  • Comprehensive: This covers your vehicle if it sustains damages when not in use.
  • Roadside Assistance: Thie coverage varies by company, but, in general, roadside assistance will lend you help if you and your car end up stranded on the side of the road. This can be caused by a number of issues, such as flat tires or a dead battery.
  • Uninsured Motorist Coverage: Despite liability insurance being mandated in most states, many drivers choose to forego purchasing a policy. For this reason, you may want to add uninsured motorist coverage to your insurance policy. It will cover your medical expenses and car repairs if you end up in an accident with a driver lacking insurance.
  • Medical Payments: This type of insurance will pay for the medical costs you or your passenger(s) accumulate after an accident.
  • Rental Car Reimbursement: If your vehicle is unable to operate after an accident, rental car reimbursement will cover the costs of a rental car until your car is repaired.

Car Insurance is Important For Any Alaska Driver

Insurance laws work to protect you and other drivers. Failure to carry liability insurance can be damaging to not only you but also the other party involved in the accident. Make sure to keep up on all your insurance premium payments and try to obtain beyond the mandatory minimum. Accidents can be expensive, and while state requirements are a good place to start, they do not offer full coverage.

Are you paying too much for auto insurance? Give Insurance Navy a call at 888-949-6289. We offer free, cheap car insurance quotes both online and in-person at one of our many locations. Good coverage can be very affordable.

*This product may not be available in every state, please call an agent for more information.

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