Car insurance · Alaska
Car insurance requirements in Alaska
Liability minimum 50/100/25. Claims system: fault-based claims.
Verified summaryAll Alaska insurance topics
Requirements
Minimum car insurance requirements in Alaska
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Alaska
Not listed as required.
Optional coverage
Coverage you can add in Alaska
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Alaska
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.
Good to know
Other things 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.
Contacts
Who to contact in Alaska
- 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.
- Alaska DMV: Mandatory insurancedmv.alaska.gov
- Alaska DMV: General vehicle registrationdmv.alaska.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Alaska.
Home insurance resources and the health marketplace for Alaska are on its overview page.