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Alaska Car Insurance Information

Requirement : Yes

Car insurance is required in Alaska . Drivers must have a minimum of liability insurance.

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance policy is required:

  • $50,000 for bodily injury/death to one person.
  • $100,000 for bodily injury/death per accident.
  • $25,000 for damage to property.

Other Car Insurance Coverage Options:

Liability coverage is the only requirement for Alaska motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Medical and funeral services coverage – Assists with medical payments, or funeral expenses due to an accident.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Alaska requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of insurance with your vehicle at all times.  

Valid forms of proof of financial responsibility include:

  • Insurance card.
  • Copy of insurance policy.
  • Certificate of liability policy.
  • Insurance binder

Getting Pulled Over:

  • If you’re pulled over by a police officer, you must show your proof of insurance, along with your driver’s license and car registration.

Violations, Fines & Penalties:

You are required to have proof of car insurance in the state of Alaska , if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following penalties:

  • 90-day suspension of your license for first offense.
  • 1-year suspension of your license for second offense.
  • Vehicle may be impounded.


A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.

Credit Scores & Determining Your Insurance Premium :

All Alaskan drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Alaska Auto Insurance Plan (AAIP).

Other factors that may be used to determine your premiums include:

  • Age
  • Credit
  • Driving record
  • Gender
  • Marital status
  • Make/model/year of your vehicle
  • Your deductible
    • The higher the deductible, the lower the premium.

Discounts : Yes

Discounts available in Alaska:

  • Anti-theft device
  • Good driver discount
  • Good student discount
  • Multi-car discount
  • Homeowner’s discount

Cellphone Use:

There is no cellphone ban in Alaska however, it is illegal to text while driving.

Consumer Complaints:

Disputes with your car insurance company can be addressed to the Alaskan Division of Insurance

  • Online at:
  • By mail:

Division of Insurance

Consumer Services Section

550 West 7th Avenue

Suite 1560

Anchorage, AK 99501

Alaska Minimum Coverage Laws

Carriers in Alaska

Full Insurance Laws for Alaska