Alaska Minimum Auto Insurance Requirements (2024)
Alaska requires a minimum of 50/100/25 of bodily injury and property damage coverage. The average rate of auto insurance is around $44.97/mo.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Feb 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Alaska Statue 28.22.101 revolves around state minimum car insurance requirements
- Alaska requires minimum coverage for bodily injury, death, and property damage
- As a consumer, be aware of your pre-existing coverage and shop the market for adequate policies
The state of Alaska is like all others in the United States in that they have mandatory car insurance requirements. As the owner of a motor vehicle, you are going to be subject to these requirements when you go to register at the department of motor vehicles.
There are always variations from one state to the next when it comes to car insurance needs.
As a consumer, you want to be well aware of your pre-existing coverage and make a determination if you require shopping the market further to better what you have, or at the bare minimum, make sure you comply.
Law drives the minimum amounts for car insurance in the state of Alaska. Alaska has what is known as Mandatory Insurance Statues. The Alaska Statue 28.22.101 is what needs to be called out for this piece.
That particular statue is what is going to lay out what is required from a car insurance perspective. A car insurance policy with liability insurance on it has to be in effect, period.
Compare car insurance rates to find the coverage that’s right for you. Enter your ZIP code into our free rate comparison tool above to get started.
The Minimum Car Insurance Requirements in Alaska
The minimum car insurance requirements in the state of Alaska fall under two buckets. The first type of car insurance requirement is in the area of bodily injury or death.
This liability insurance will cover you in the event you get in a car accident and cause such damage to another party.
The Alaska Statue 28.22.101 states you must have a minimum of $50,000 bodily injury coverage for one person and $100,000 of coverage to cover injuries to multiple people in an accident.
Property damage coverage is also required in the state of Alaska. The amount of property damage coverage needed is going to $25,000 per the statute in the state.
Similar to the bodily injury or death coverage, this is a type of liability insurance that is going to revolve around the damage that you may do to another’s property.
If you get into a car accident and hit a house, for example, that is a type of property that has been damaged by you and would be covered up to that minimum limit.
Property damage liability will also pay for the damage you inflict on another vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
What happens if you do not have minimum car insurance in Alaska?
There are going to be consequences if you fail to have proper insurance in the state of Alaska. When you are driving a motor vehicle, you need to have proof of the automobile liability insurance with you.
If an officer asks you to provide it, evidence of the insurance has to be present, or you may face the following penalties:
- having your license suspended
- having your vehicle impounded
- receiving a monetary fine
When you go to register your vehicle for the first time, proof of insurance is also going to have to be present. Failure to show evidence of insurance is going to equate to you not being able to register your automobile.
The only exception to this rule is if you are driving in a part of Alaska where registration of a vehicle is not required.
Even still, if you are a driver with a ticket for a violation of six points more on your record within the last five years, insurance is still going to be required.
Check Your Current Car Insurance Coverage and Shop the Market
You want to have an awareness of your pre-existing car insurance coverage. What is the current coverage limits that you have? Do they meet the minimum requirements within the state?
If so, you may be good, but that does not mean that there are not more valuable options. Shop the car insurance market and see if there is more value to be had when it comes to your policy.
You may even be able to get a better policy, with higher limits, for the same premium you are paying now. Make price comparisons and use online quotes.
Enter your ZIP code below to receive and compare several online quotes for free today!
Frequently Asked Questions
What is the minimum auto insurance coverage required in Alaska?
In Alaska, the minimum auto insurance coverage requirements include liability coverage of at least 50/100/25. This means you must have at least $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Is the minimum liability coverage enough to protect me in case of an accident?
The minimum liability coverage required by Alaska law provides a basic level of protection. However, it may not be sufficient in all situations. If the costs of an accident exceed your policy limits, you may be personally responsible for the remaining expenses. It’s recommended to consider higher coverage limits or additional types of coverage for better financial protection.
Are there any additional types of auto insurance coverage I should consider in Alaska?
While the minimum liability coverage is required, it’s important to consider other types of auto insurance coverage for comprehensive protection. These include collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and comprehensive coverage, which covers non-collision incidents such as theft, vandalism, and damage from natural disasters.
Can I drive without insurance in Alaska if I have enough money to cover potential accidents?
No, driving without insurance is illegal in Alaska regardless of your financial situation. All drivers must carry at least the minimum required auto insurance coverage. Failing to have insurance can result in penalties, fines, license suspension, and potential legal consequences.
Can I use my out-of-state auto insurance in Alaska?
If you are moving to Alaska permanently, you will generally need to obtain auto insurance that meets the state’s minimum requirements. While some out-of-state policies may provide temporary coverage, it’s advisable to contact an insurance provider licensed in Alaska to ensure compliance with local regulations.
Can I get discounts on my auto insurance in Alaska?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premiums in Alaska. Common discounts include safe driver discounts, multi-policy discounts , discounts for certain safety features in your vehicle, and discounts for completing defensive driving courses. It’s best to inquire about available discounts with your insurance provider.
How can I find affordable auto insurance in Alaska?
To find affordable auto insurance in Alaska, it’s recommended to compare quotes from multiple insurance providers. You can request quotes online or contact insurance agents directly. Maintaining a good driving record, choosing a vehicle with good safety ratings, and opting for higher deductibles can help lower your insurance premiums.
How do I file an auto insurance claim in Alaska?
To file an auto insurance claim in Alaska, you should contact your insurance provider’s claims department. They will guide you through the process and provide you with the necessary forms and information required for the claim. It’s important to have relevant details about the incident, such as the date, time, and location of the accident, as well as any supporting documentation or photographs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.