Alaska requires more bodily injury liability coverage than almost any other state: 50/100/25, meaning $50,000 per person, $100,000 per accident, and $25,000 for property damage (AS 28.22.101). Long distances to trauma care and high medical costs are effectively baked into those limits, which are double what many at-fault states require.
At the same time, Alaska is one of the few states where insurance is not mandatory everywhere. In DMV-listed communities off the connected road system, places where vehicle registration itself isn't required, liability insurance isn't required either. Everywhere else, from Anchorage to the entire highway network, coverage is mandatory and checked at stops and after crashes.
The figures below explain the policy structure used in Alaska. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Alaska minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $50,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $100,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- Insurance not required in DMV-listed exempt communities where vehicle registration is not required, unless the driver has a violation of 6+ points within the last 5 years
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $50,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $100,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Additional state rule | Insurance not required in DMV-listed exempt communities where vehicle registration is not required, unless the driver has a violation of 6+ points within the last 5 years | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
Source: Alaska DMV — Mandatory insurance
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Alaska
State law is only the starting point. These Alaska-specific details show what to confirm before you compare coverage or buy a policy.
The 50/100/25 minimums
Alaska is an at-fault state with no PIP requirement: the driver who causes a crash pays the other side's costs through liability coverage. Because the required bodily-injury floor is among the highest in the country, even a minimum-limits Alaska policy carries meaningful protection, and a correspondingly meaningful premium, which is why the spread between carriers matters more here than in low-minimum states.
The required policy is liability-only. A moose strike or a windshield cracked by highway gravel falls under optional comprehensive coverage, not the mandated liability limits, worth keeping straight when comparing what each quote actually includes.
Where insurance isn't required, and when it still is
Under AS 28.22.011 and DMV rules, residents of listed exempt communities, mostly villages off the road system where registration isn't required, don't have to carry liability insurance. The exemption has a catch: a driver who has received a ticket worth six or more points within the last five years must carry insurance even in an exempt area.
For everyone else, proof of insurance is required, and driving uninsured can lead to license suspension and an SR-22 filing obligation. If you move from an exempt community to the road system, the insurance requirement follows the registration requirement.
SR-22s in Alaska run long
Alaska uses SR-22 filings, certified by your insurer directly to the DMV, and its required durations are among the longest anywhere. Most qualifying violations require the filing for three years, but DUI and refusal convictions require it for five years after a first offense, ten after a second, and twenty after a third.
A filing obligation measured in decades means the premium attached to a DUI follows an Alaska driver far longer than the license action itself. Since carriers price violation history very differently, re-comparing quotes at each renewal during an SR-22 period is one of the few levers a driver in that position actually controls.
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Start a Alaska quote requestWhat affects car insurance rates in Alaska?
Average annual expenditure for auto insurance in Alaska was $1,014 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Alaska ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Alaska car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Alaska. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Alaska city
State law applies across Alaska, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Alaska page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is AS 28.22.101 (exemptions per AS 28.22.011); Alaska Division of Motor Vehicles. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Alaska DMV — Mandatory insurance ↗Official DMV guidance on Alaska's mandatory insurance rules and minimum liability limits.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Alaska car insurance FAQs
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