Alaska Auto Insurance Rates & Requirements
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 traditional tort liability system, meaning at-fault drivers are financially responsible for injuries and damage they cause. All drivers must carry proof of financial responsibility—typically auto insurance—and provide proof when registering vehicles or after an accident. The Alaska Division of Insurance enforces these requirements through its SR-22 filing system for high-risk drivers.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $93/mo
Average car insurance spending in Alaska
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Winter driving conditions contribute to Alaska having one of the highest collision claim frequencies nationally, particularly October through March when black ice and snowpack reduce visibility and traction.
Check Your Rate Against the Market
Compare Auto Rates for FreeCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Alaska requires 50/100/25, but 100/300/100 is widely recommended to avoid personal asset exposure in serious crashes.
Full Coverage
Combines liability, collision, and comprehensive into one package. Covers accidents you cause, collisions where you're not at fault, theft, weather damage, and animal strikes.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, fire, hail, flooding, and animal strikes. Deductibles typically range from $250 to $1,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or a hit-and-run driver who flees the scene. Covers medical bills, lost wages, and vehicle damage depending on the policy structure.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another car or object, regardless of fault. Required by lenders if you finance or lease.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed with the state after DUI, multiple violations, or driving uninsured. Your insurer files it electronically with the Alaska Division of Motor Vehicles.