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Alaska Auto Insurance Rates & Requirements

Alaska requires 50/100/25 liability coverage and is an at-fault state.

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Alaska at a Glance

50/100/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Alaska operates as a traditional tort state where at-fault drivers bear financial responsibility for injuries and damage. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The state mandates higher bodily injury minimums than most other states, reflecting Alaska's elevated healthcare and emergency transport costs.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Drivers who frequently travel remote highways should consider 100/300 or higher.

Property Damage Liability

Pays for damage to another person's vehicle or property when you're at fault. State law requires immediate proof of this coverage at accident scenes.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Given the high rate of uninsured drivers and the cost of accidents in remote areas, declining this coverage is financially risky.

Personal Injury Protection

Alaska does not mandate PIP or medical payments coverage, unlike no-fault states. However, given extended emergency response times in rural regions and the potential for serious wildlife collisions, optional medical payments coverage can bridge gaps when health insurance denies accident-related claims. This is particularly relevant for drivers without comprehensive health insurance.

Comprehensive and Collision Coverage

State law does not mandate physical damage coverage, but lenders require it for financed or leased vehicles. Comprehensive coverage is especially valuable in Alaska due to frequent moose and caribou collisions — Alaska reports more animal-vehicle crashes per capita than any other state. Collision coverage addresses damage from icy road accidents, which spike during the eight-month winter season across most of the state.

Cost Overview

about $93/mo

Average car insurance spending in Alaska

Rate data: NAIC Auto Insurance Database, 2023

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Frequently Asked Questions

Is Alaska a no-fault insurance state?

No, Alaska is a traditional tort state where the at-fault driver's insurance pays for injuries and damage. You can file a claim against the responsible party's liability coverage, and there's no threshold requirement before pursuing legal action. This system makes carrying adequate liability limits — well above the 50/100/25 minimum — critical to protect your assets in serious accidents.

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Alaska's 50/100/25 minimums are higher than most states but still insufficient for serious accidents involving multiple injuries or newer vehicles.

Full Coverage

Bundles liability, collision, and comprehensive coverage to protect both you and your vehicle. Includes protection against theft, weather damage, and at-fault accidents with a typical $500–$1,000 deductible.

Comprehensive Coverage

Pays for non-collision damage including animal strikes, theft, vandalism, hail, and falling objects. Covers the actual cash value of your vehicle minus your deductible.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost income, and vehicle damage up to your policy limits.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash, regardless of who caused it. Required by lenders on financed vehicles.

SR-22 Insurance

A certificate of financial responsibility filed with the state after serious violations like DUI, driving without insurance, or multiple at-fault accidents. Not a separate policy, but a filing attached to your existing coverage.

Find Your City in Alaska

Anchorage

urban

Fairbanks

suburban

Juneau

suburban

Sitka

urban

Ketchikan

urban