State guide
Insurance in Alaska
Required coverage, penalties, official contacts and sources for Alaska, reviewed 2026-10.
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Car insurance
What Alaska requires.
Liability minimum 50/100/25. Claims system: fault-based claims.
| Coverage | Requirement in Alaska |
|---|---|
| Bodily injury liability | $50,000 for one person / $100,000 per accident for bodily injury or death |
| Property damage liability | $25,000 |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Not listed as required |
Required coverage
- Bodily injury or death: $50,000 for one person and $100,000 per accident
- Property damage: $25,000
- A liability policy that complies with Alaska Statute 28.22.101 on any vehicle subject to registration
- Proof of liability insurance in your possession whenever you drive, shown to a peace officer on demand
Other coverage commonly available
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Medical payments
If you drive without required coverage
According to the Alaska DMV, failure to have the proper insurance may result in suspension of your driver's license, and your vehicle may be impounded in the Municipality of Anchorage if you do not have proof of insurance.
Notices
What to know in Alaska.
- Insurance is not required in areas where registration is not required. However, a driver who has received a ticket for a violation of 6 points or more within the last 5 years must have liability insurance.
- Alaska's minimums are among the highest bodily injury limits in the country. Policies from other states may carry lower limits than Alaska requires.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Alaska Division of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Alaska Division of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Alaska is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Alaska Division of Insurance
- Website: commerce.alaska.gov/web/ins
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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