Alaska Car Insurance Requirements (Updated for 2025)

Driving in Alaska requires meeting the state’s liability insurance law, unless you’re in an exempt remote community. Staying legal means carrying at least the minimum coverage—and keeping proof of it. Non‑compliance brings serious penalties.

Minimum Liability Coverage in Alaska

As of 2025, Alaska law mandates the following minimum liability insurance:

• Bodily Injury Liability: $50,000 per person / $100,000 per accident
• Property Damage Liability: $25,000 per accident

Commonly known as 50/100/25 coverage.

Remote Community Exemptions

Many remote Alaska communities are exempt from vehicle registration and the insurance mandate. (If you’ve been cited for 6+ points in the past 5 years, insurance may still be required.)

Uninsured/Underinsured Motorist Coverage

Alaska law requires insurers to offer UM/UIM coverage in limits matching your liability—but you may reject it in writing.

• Uninsured Motorist Bodily Injury: $50,000 per person / $100,000 per accident
• Uninsured Motorist Property Damage: $25,000 per accident
• Underinsured Motorist Bodily Injury: $50,000 / $100,000
• Underinsured Motorist Property Damage: $25,000 per accident

Important: UM/UIM is optional, but insurers must offer it and you must sign a waiver to decline.

Optional Coverages to Consider

• Comprehensive Coverage
• Collision Coverage
• Medical Payments (MedPay)
• Roadside Assistance
• Rental Reimbursement

Lenders or lessors often require full (comprehensive + collision) coverage.

Proof of Insurance Requirements

You must carry proof of insurance—paper or digital—and present it upon request by law enforcement or DMV officials.

Penalties for Driving Without Insurance

• First offense: License suspension 90 days; second offense up to 1 year suspension
• Possible impoundment (e.g., in Anchorage)
• Mandatory SR-22 filing
• Reinstatement and administrative fees
• $500 fine per incident
• “No Pay, No Play” limits your ability to recover non-economic damages if you’re uninsured and hit by another driver

Compare Auto Insurance Quotes in Alaska

Premiums depend on age, location, driving history, vehicle type, and coverage choices. Use the tool below to compare quotes from top Alaska insurance carriers:

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FAQs

Is Alaska a no‑fault state?

No. Alaska follows an at‑fault (tort) system—drivers at fault are financially responsible for damages.

Is UM/UIM coverage mandatory in Alaska?

No, but your insurer must offer it. You can decline in writing.

What is an SR‑22 in Alaska?

An SR‑22 is a certificate your insurer files to prove you’re carrying required liability insurance—typically after a major violation or lapse.