Alaska Car Insurance Laws

Alaska car insurance laws require drivers to carry a minimum amount of liability insurance, summarized as 50/100/25. Read this guide on Alaska car insurance laws to learn what you need.
Written by Jacoba Bood
Reviewed by Kathleen Flear
Alaska requires most drivers to carry a minimum amount of liability car insurance coverage. The insurance minimums in Alaska are summarized as 50/100/25.
This stands for: $50,000 of bodily injury liability per person; $100,000 of bodily injury liability per accident; and $25,000 of property liability per accident.
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What insurance do I need in Alaska?

Most Alaska drivers must carry a minimum amount of
liability insurance coverage
. Alaska motorists also have to carry a valid
proof of insurance
when driving.
Here is a more detailed breakdown of the minimum insurance limits that Alaska car insurance laws require.

Alaska minimum car insurance

Minimum liability coverage
50/100/25
Bodily injury per accident
$50,000
Bodily injury per person
$100,000
Property damage per accident
$25,000

Exemptions in Alaska car insurance laws

In some of the more remote areas of Alaska, drivers may be exempt from
registering
their cars and carrying insurance. You can consult the
Alaska Department of Motor Vehicles
to find out more.
Key Takeaway Most Alaska drivers need to carry a minimum amount of liability insurance and proof of coverage—but some drivers in remote regions may be exempt.

Liability insurance in AK

The only type of coverage that Alaska drivers are legally required to have is liability insurance.
If you are at fault,
bodily injury liability
and
property damage liability insurance
will help cover damages for the other driver and their passengers—but liability insurance won’t cover your own expenses.

What are the mandated car insurance limits in Alaska?

Like most states, Alaska splits its minimum liability insurance requirements into three categories including bodily injury liability per person, bodily injury liability per accident, and property damage liability. Here’s how it all breaks down:
$50,000 of bodily injury liability coverage per person: Your insurance company will pay up to $50,000 to cover the cost of injuries for each person injured if you are found at fault.
$100,000 of bodily injury liability coverage per accident: $100,000 is the total amount that your insurance company will pay out to cover the costs of injuries in an at-fault accident.
$25,000 in property damage liability per accident: Your insurance company will pay up to $25,000 to cover the cost of property damage if you cause an at-fault accident.
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Should I get more coverage than Alaska’s required insurance minimum?

Alaska insurance minimums might be enough if you are okay with only carrying liability insurance coverage.
Alaska car insurance laws require drivers to carry more liability insurance than most states. If you cause an at-fault accident, the higher bodily injury liability limits might cover medical expenses for the other party.
However, many new cars are worth more than the $25,000 property damage liability limit. So even if you don’t want to purchase insurance to cover your own expenses—it could still be a good idea to increase your limits.
Events like multi-car accidents can easily top the minimum insurance requirements—and you could get sued for the remaining costs if you are at fault.
Key Takeaway Alaska’s minimum car insurance might not always provide enough coverage if you cause an accident.

What is the penalty for not having car insurance in Alaska?

Penalties for not having car insurance in Alaska

Alaska drivers who are caught
driving without insurance
or cannot provide valid proof of insurance could face penalties and fines.

Penalties for not having car insurance in Alaska

Offense
Fine per violation
License suspense
Minimum license suspension
SR-22 coverage required?
Possible reinstatement fees?
First (and subsequent)
$500
90 days to one year (depending on the number of infractions)
Yes
Yes
Yes

What are Alaska No Pay, No Play laws?

No Pay, No Play laws limit the payout that Alaska drivers without insurance can receive if they are not at fault. Since some drivers in Alaska may be exempt from carrying insurance, Alaska uses a No Pay, No Play insurance system.
For example, non-insured drivers cannot sue for pain and suffering and other non-economic costs resulting from an accident. However, if the driver that caused the accident was impaired, the No Pay, No Play laws may not apply.

Additional coverage options

You may choose the following popular insurance options to upgrade your Alaska minimum car insurance and improve your coverage.

Collision coverage

Collision insurance
will help cover the cost of the damage to your car after a collision with another object or car.

Comprehensive coverage

Comprehensive insurance
helps protect you from the costs of non-collision-related damage to your car—including vandalism, fire, and hail.

Medical payments (MedPay) coverage

Medical payments insurance
will help cover medical expenses for you and your passengers regardless of who is at fault.

Gap coverage

Gap insurance
will help cover the difference between a totaled car payout and the money you still owe on your car if it's under loan.

Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist insurance
protects you if you get in an accident with a driver who doesn’t carry enough insurance to cover the costs.

Roadside assistance coverage

Many insurance companies will offer roadside assistance coverage that will help cover the costs of certain emergency roadside services, like towing, battery boosts, or gas delivery.

Rental car reimbursement coverage

Rental reimbursement insurance
will help cover the costs of a rental car or alternate transportation if your vehicle needs repairs after a covered accident.
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How to get cheap car insurance

No matter what type of coverage you are looking for, it's a good idea to compare quotes from at least three reputable providers to make sure you're getting the best rate.
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Frequently asked questions

Is car insurance required in Alaska?

Not always. Like most states, Alaska has a legal car insurance minimum that most drivers must purchase. However, if you live in a more remote region, you may be considered exempt.

What happens if you drive without insurance in Alaska?

Some Alaska drivers might be exempt from carrying car insurance—but they could end up paying out of pocket if they cause an accident. Drivers who choose not to carry insurance will also be subject to No Pay, No Play laws—limiting the amount they receive if they aren’t at fault.
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