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Alaska Auto Insurance Requirements & Rates

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 under a tort-based liability system, meaning the at-fault driver is financially responsible for accident damages. The state requires proof of financial responsibility at all times, enforced through random verification and roadside checks. Alaska's Department of Commerce, Community, and Economic Development oversees insurance compliance and maintains a public database of uninsured vehicles reported by law enforcement.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal fees when you injure someone in an at-fault accident. The state minimum may be insufficient for serious accidents, particularly those involving multiple victims or long-term injuries.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property when you're at fault.

Personal Injury Protection (PIP)

Given Alaska's vast distances between medical facilities — some rural residents are 200+ miles from the nearest hospital — PIP provides critical coverage for immediate transport and treatment costs. Rejection must be documented with your insurer annually.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. This coverage mirrors your liability limits unless you reject it in writing or select lower amounts.

Proof of Insurance

Alaska requires drivers to carry proof of insurance and submit it immediately upon law enforcement request or after any accident. Alaska's Motor Vehicle Division can require SR-22 certificates for high-risk drivers, filed electronically by your insurer for three years.

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 operates under a tort-based system where the at-fault driver is financially responsible for all accident damages. Injured parties can file claims against the at-fault driver's liability insurance or pursue lawsuits for amounts exceeding policy limits. Alaska does require insurers to offer optional personal injury protection (PIP), which provides no-fault medical coverage, but it functions differently than mandatory no-fault systems in states like Michigan or Florida.

Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others in an at-fault accident. Alaska's 50/100/25 minimum is mandatory but often inadequate for serious crashes, particularly multi-vehicle accidents common on icy highways.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both your legal responsibility and your own vehicle from all damage types. Includes protection against theft, weather, animal collisions, and at-fault accidents.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, fire, falling objects, and animal strikes. Pays to repair or replace your vehicle minus your deductible when damaged by events outside your control.

Collision Coverage

Pays to repair or replace your vehicle after an accident with another car or object, regardless of who was at fault. Required by lenders on financed vehicles.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage to pay your medical bills and vehicle damage. Alaska requires insurers to offer this coverage, though you may reject it in writing.

SR-22 Insurance

Not a coverage type but a certificate of financial responsibility your insurer files with Alaska's Division of Motor Vehicles after serious violations like DUI, driving without insurance, or multiple at-fault accidents. Required for license reinstatement.