What is the minimum car insurance required in Alaska?

$50,000 per person and $100,000 per accident for bodily injury or death, plus $25,000 for property damage — among the highest minimum requirements in the country.

Is car insurance required everywhere in Alaska?

No. Insurance is not required in areas where vehicle registration is not required, identified in Alaska Statute 28.22.011. The exception does not apply if you have received a ticket for a violation of six points or more within the last five years — then liability insurance is required regardless.

Why are Alaska’s minimums so much higher than most states?

Repair and medical costs are higher, largely because parts and specialists have to reach the state. Claims cost more to settle, so the floor is set higher — the $25,000 property damage minimum in particular reflects what vehicle repair actually costs here.

Is hitting a moose covered by my Alaska policy?

Under most policies an animal collision is a comprehensive claim rather than a collision claim. Moose strikes are common and severe in Alaska, so it is worth confirming how your policy treats them — a liability-only policy covers neither.

Which agency sets Alaska’s insurance requirements?

The Division of Motor Vehicles, under the Department of Administration, which administers Title 28. The Division of Insurance regulates carriers and handles complaints but does not set the coverage requirement itself.

Alaska

Auto insurance in Alaska: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Alaska requires 50/100/25 — among the highest minimum liability limits in the country — and then does something no other state does: it exempts drivers in areas where vehicle registration is not required from carrying insurance at all. That exemption is a real accommodation to communities off the road system, and it disappears the moment a driver accumulates six or more points in five years.

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What Alaska requires you to carry

Minimum liability limits in Alaska — 50/100/25
Bodily injury, per person	$50,000
Bodily injury, per accident	$100,000
Property damage, per accident	$25,000

These are floors, not recommendations. Alaska sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Alaska enforces it

Alaska requires liability coverage, but with a genuine geographic exception: insurance is not required in areas where vehicle registration is not required. Alaska Statute 28.22.011 identifies those areas. The exception has a limit — a driver who has received a ticket for a violation of six points or more within the last five years must carry liability insurance regardless of where they live.

How rates are set in Alaska

Alaska is an at-fault state. The driver responsible for a crash is responsible for the resulting injury and property damage, and their liability limits cap what the insurer pays on their behalf.

Responsibility is split between two agencies in a way worth knowing: the Division of Insurance regulates carriers and handles complaints, but it does not set the coverage requirement. That sits with the Department of Administration’s Division of Motor Vehicles, which administers Title 28, the Alaska Uniform Traffic Laws Act.

Alaska is a competitive-rating state. Because so few carriers write here and repair costs run high, the market behaves less like the lower 48 than almost anywhere.

Credit-based insurance scores in Alaska

Alaska permits credit-based insurance scores in rating. Alaska is a small and geographically extreme market with few carriers competing for it, so the spread between quotes tends to reflect carrier appetite for the state more than fine distinctions in a driver profile.

What actually moves your premium here

One of the highest minimums in the country

At 50/100/25, Alaska requires double the bodily injury coverage most states do — comparable to Maine and to North Carolina since its 2025 increase. A minimum Alaskan policy is a substantially more serious piece of coverage than a minimum policy in most of the lower 48.

The rural exemption is real, and narrower than it sounds

Insurance is not required in areas where registration is not required — a genuine accommodation to communities off the road system. But it does not survive a driving record: six or more points in the last five years and the requirement applies to you wherever you live.

Repair costs are the hidden driver

Parts and skilled labour have to reach Alaska, and that shows up in claim severity rather than frequency. The same damage costs more to repair here than in the lower 48, which is part of why the state sets its property damage floor at $25,000 rather than the $10,000 several states still use.

Wildlife and winter dominate the claim picture

Moose collisions are common and severe, and Alaskan winters are long and dark. Both push claims toward comprehensive and collision rather than liability. A liability-only policy leaves the two most likely Alaskan claims uncovered.

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Comparing carriers in Alaska

If you live in an area exempt from the insurance requirement, the question is not whether the law compels coverage but whether you can absorb a severe claim personally. Repair and medical costs in Alaska are high, and a moose collision is not a small event.

Price comprehensive deliberately. Wildlife and winter damage are the most likely claims here, and liability of any size does not respond to either.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Alaska

Alaska requires an SR-22 filing after certain suspensions, including driving without insurance and DUI convictions. Your insurer files it with the Division of Motor Vehicles. Confirm the period for your case with Alaska DMV, since it runs from your reinstatement date.

Alaska auto insurance FAQ

What is the minimum car insurance required in Alaska?: $50,000 per person and $100,000 per accident for bodily injury or death, plus $25,000 for property damage — among the highest minimum requirements in the country.
Is car insurance required everywhere in Alaska?: No. Insurance is not required in areas where vehicle registration is not required, identified in Alaska Statute 28.22.011. The exception does not apply if you have received a ticket for a violation of six points or more within the last five years — then liability insurance is required regardless.
Why are Alaska’s minimums so much higher than most states?: Repair and medical costs are higher, largely because parts and specialists have to reach the state. Claims cost more to settle, so the floor is set higher — the $25,000 property damage minimum in particular reflects what vehicle repair actually costs here.
Is hitting a moose covered by my Alaska policy?: Under most policies an animal collision is a comprehensive claim rather than a collision claim. Moose strikes are common and severe in Alaska, so it is worth confirming how your policy treats them — a liability-only policy covers neither.
Which agency sets Alaska’s insurance requirements?: The Division of Motor Vehicles, under the Department of Administration, which administers Title 28. The Division of Insurance regulates carriers and handles complaints but does not set the coverage requirement itself.

Sources

Requirements on this page were verified against Alaska’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Alaska: Alaska Division of Insurance, (800) 467-8725.