Alaska Car Insurance Requirements

Minimum Coverage Requirements

Alaska requires drivers to carry minimum liability insurance of 50/100/25 — meaning $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Alaska

Drivers in Alaska typically pay approximately $1,350 per year ($113/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Alaska

State Regulations and Key Rules

Alaska requires higher minimum liability limits than most states. It is an at-fault state, meaning the driver responsible for an accident is liable for damages. Remote location and harsh weather conditions influence rates.

What Makes Alaska Unique

Alaska's vast rural areas and extreme weather can make claims more expensive to process. Comprehensive coverage is particularly recommended given the risk of wildlife collisions.

Uninsured Drivers in Alaska

Approximately 13.3% of drivers in Alaska are estimated to be uninsured.

Risk Factors Specific to Alaska

Moose collisions are among the most dangerous and costly wildlife incidents in Alaska — comprehensive coverage is essential for rural and suburban drivers. Icy roads from October through April significantly increase collision risk statewide.

What Alaska’s Minimum Actually Covers

Alaska’s minimum is 50/100/25: $50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $50,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Alaska

Uninsured motorist coverage isn’t mandatory in Alaska, though insurers generally must offer it and you may have to reject it in writing.

How Alaska Compares: Uninsured Drivers and Price

An estimated 13.3% of Alaska drivers are uninsured — roughly 1 in 8 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $1,350 a year puts Alaska below the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Alaska

In Alaska, low annual mileage can significantly reduce premiums — many rural drivers qualify for low-mileage discounts. Winter tire installation is required by some insurers and can also lower your rate. Bundling policies is effective with most carriers serving the state.

• Alaska's minimum liability requirement of 50/100/25 is the legal floor, not a safe target — since PIP isn't required in Alaska, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 13.3% of Alaska drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Alaska?

50/100/25: $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability.

Is Alaska a no-fault state?

No. Alaska is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Alaska?

An estimated 13.3% of Alaska drivers are uninsured, roughly 1 in 8.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.