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Alaska Auto Insurance: Rates & Minimum 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 tort-based liability system, meaning at-fault drivers are financially responsible for damages they cause. The state requires continuous proof of financial responsibility — either liability insurance meeting state minimums or a certificate of deposit with the Department of Administration.

Bodily Injury Liability

Pays medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Alaska's minimums are higher than most states — 50/100 rather than the more common 25/50 — reflecting the state's higher medical costs and distance between care facilities.

Property Damage Liability

Covers damage you cause to another vehicle, building, or property.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Insurers must offer this coverage when you purchase a policy, but you can decline it in writing — a risky decision in a state with limited public transit and high uninsured rates.

Personal Injury Protection

Alaska does not require PIP or medical payments coverage, unlike no-fault states. Your health insurance becomes your primary coverage for injuries sustained in accidents you cause or where fault cannot be determined immediately. Without UM/UIM coverage and adequate health insurance, you may face significant out-of-pocket medical costs after an accident.

Cost Overview

$34–$55/mo

Typical monthly rate in Alaska, minimum-coverage policies

Rate data: NerdWallet and ValuePenguin, 2026

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Coverage Types

Liability Insurance

The only legally required coverage in Alaska. Pays for injuries and property damage you cause to others, but provides zero coverage for your own medical bills, vehicle repairs, or lost wages after an at-fault accident.

Uninsured Motorist Coverage

Covers your medical expenses and vehicle damage when hit by a driver with no insurance or a hit-and-run driver who flees. Adding 50/100 UM/UIM typically costs $15–$30/month on top of minimum liability.

Comprehensive Coverage

Pays for damage to your vehicle from non-collision events: animal strikes, theft, vandalism, hail, falling objects, and glass breakage. Requires a deductible, typically $500–$1,000.

Collision Coverage

Pays to repair or replace your vehicle after a crash with another car or object, regardless of fault. Requires a deductible and only makes financial sense if your vehicle's value exceeds 10 times the annual premium cost.

Full Coverage

Combines state-required liability with comprehensive and collision coverage for your own vehicle. Lenders require this on financed and leased vehicles, but it's an optional expense on paid-off cars.

SR-22 Insurance

Not a coverage type but a certificate of financial responsibility filed by your insurer to the Alaska DMV after license suspension for DUI, multiple violations, or at-fault accidents without insurance. Required for 3–5 years depending on the offense.

Find Your City in Alaska

Anchorage

urban

Fairbanks

suburban

Juneau

suburban

Sitka

urban

Ketchikan

urban