Alaska Minimum Auto Insurance Requirements in 2025 (What AK Drivers Need to Buy)

Alaska minimum auto insurance requirements mandate 50/100/25 liability insurance coverage, ensuring protection against bodily injury and property damage claims.

Drivers must have a minimum of $50,000 for each person, $100,000 per accident, and $25,000 for property damage to obey state law. If drivers do not follow this rule, they face fines and cannot register their vehicles. So, having the right coverage is very important.

Alaska Minimum Auto Insurance Requirements & Limits

Comparing insurance policies helps drivers find good protection and follow the rules. Knowing the specific insurance requirements in Alaska helps drivers obey laws and protect their money. Compare car insurance rates to find the coverage that’s right for you. Enter your ZIP code into our free rate comparison tool to get started.

Alaska Minimum Coverage Requirements & What They Cover

The minimum insurance requirements in Alaska fall under two buckets. The first type of car insurance requirement is in the area of bodily injury or death.

This liability insurance will cover you in the event you get in a car accident and cause such damage to another party.

The Alaska Statue 28.22.101 states you must have a minimum of $50,000 bodily injury coverage for one person and $100,000 of coverage to cover injuries to multiple people in an accident. Property damage coverage is also required in the state of Alaska. The amount of property damage coverage needed is going to $25,000 per the statute in the state.

Similar to bodily injury or death coverage, this type of liability insurance pays for the damage you may do to another’s property. If you get into a car accident and hit a house, for example, that property has been damaged by you and would be covered up to that minimum limit. Property damage liability will also pay for the damage you inflict on another vehicle.

Learn more by checking out our guide: Minimum Auto Insurance Requirements by State

Cheapest Auto Insurance in Alaska

The details below show Alaska’s top three low-cost auto insurance companies, ranked by their reviews and cost-effectiveness. Each company offers reasonable prices and unique benefits that meet the state’s basic car insurance rules.

USAA is the least expensive choice, receiving a high rating of 4.8 from more than 6,000 reviews. It is well-known for its trustworthy service and affordable insurance plans. State Farm comes in second place with a rating of 4.3 based on almost 18,000 reviews. They provide robust coverage options at fair prices.

Geico is the third most affordable, having a 4.5 rating and good comments from more than 19,000 reviewers. They like its easy prices and flexible policies. These companies give great choices for drivers who want low-cost insurance that fits Alaska’s 50/100/25 rules.

Alaska Min. Coverage Auto Insurance Monthly Rates by City

This table shows the monthly price of Alaska’s minimum coverage auto insurance in different cities, showing how location affects costs. Comparing these rates helps drivers find affordable options. Protect yourself by knowing when to buy more than minimum auto insurance.

The costs are very different between big cities and smaller towns, showing local risk things like how often accidents happen and how many people live there. Anchorage has the highest cost among big cities, at $89 monthly, but in small places like Homer, it is cheaper at $75 for monthly coverage.

Places in the middle range like Juneau and Kenai have costs of $81 and $76, respectively. Knowing these differences helps drivers pick insurance that matches their budget while still following Alaska’s required 50/100/25 liability insurance rules.

Penalties for Driving Without Insurance in Alaska

There are going to be consequences if you fail to have proper insurance in the state of Alaska. When you are driving a motor vehicle, you need to have proof of the automobile liability insurance with you.

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If an officer asks you to provide it, evidence of the insurance has to be present, or you may face the following penalties:

• Having Your License Suspended
• Having Your Vehicle Impounded
• Receiving a Monetary Fine

When you register your vehicle for the first time, proof of insurance must also be present. Failure to show evidence of insurance will result in your not being able to register your automobile.

The only exception to this rule is if you are driving in a part of Alaska where registration of a vehicle is not required.

Even still, if you are a driver with a ticket for a violation of six points more on your record within the last five years, insurance will still be required.

Read more: Cheapest Liability-Only Auto Insurance

Review Alaska Auto Insurance and Shop for Policies

You want to be aware of your pre-existing car insurance coverage. What are your current coverage limits? Do they meet the minimum requirements within the state?  If so, you may be good, but that does not mean there are no more valuable options. Shop the car insurance market and see if your policy has more value. Understand where to buy auto insurance online to save time and money.

You may even get a better policy with higher limits for the same premium you are paying now. Make price comparisons and use online quotes. Enter your ZIP code below to receive and compare several free online quotes today.