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State of Alaska Minimum Car Insurance Requirements

Bodily Injury Liability

Alaska residents are required to carry at least $50,000 of bodily injury liability to cover any hospital bills for a single person with a $100,000 limit per accident.

Property Damage Liability

In the event that there’s property damage Alaskans must carry at least $25,000 of property damage responsibility insurance. Property damage is any damage to road signs, buildings or automobiles that aren’t your own.

Table – Minimum Auto Insurance Requirements in AK

CoverageAlaska Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Liability$50,000 / $100,000$50,000 / $100,000
Property Damage$25,000$25,000
Uninsured/ Underinsured CoverageOptional$50,000 / $100,000
Medical Payments Optional$5,000
Comprehensive and CollisionOptional$500 Deductibles

Alaska car insurance rates would be listed as 50/100/25 as you can see by the figures and table above respectfully.

Alaska is the biggest state in the Union and has extremely harsh winters were residents of the state have sixty below zero temperatures during the month of January and February.

It is recommended for the residents of Alaska to have more than the minimum coverage because of the higher risk of driving, such as driving on ice.

Note: There are a lot of cities in Alaska which are exempt from the mandatory insurance law from

Table of most affordable insurance providers in Alaska

Auto Insurance CompanyAverage Yearly Insurance Premium
Liberty Mutual$1,398
State Farm$1,601
Country Financial Insurance$1,643
State Avg.$1,678

Graph 1 of Insurance Providers

This graph is showing the most affordable auto insurance providers in the state of AlaskaUSAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Graph 2 of Insurance Providers

Secondary graph showing cheap auto insurance providers in the state of Alaska

Find Local Agents plus Avg. Premium

Click on any link to find a local agent.

CityAvg PremiumCityAvg Premium
College$1,156North Pole$1,278

Graph – Local Avg Premium in Major Cities of Alaska

Average premium per insurer for big cities in Alaska, such as anchorage, Fairbanks. Juneau.

Graphs – Local Insurers Per Major Cities

Graph 1 – Anchorage

This graph shows affordable auto insurance providers for the city of Anchorage, Alaska

The quotes obtained were for a 46 Y/O male with no traffic violations, married with two children. The vehicle was a 2015 2-door Honda Civic.

Graph 2 – Fairbanks

This graph shows low cost insurers for the city of Fairbanks, AK

The quotes obtained were for a 51 Y/O female with one traffic violation, not married. The vehicle was a 4-wheel drive 2015 Toyota Tacoma.

Graph 3 – Juneau

This graph shows affordable auto insurance in the city of Juneau, Alaska

The quotes obtained were for a 42 Y/O male with no children, not married, owned his own home. The vehicle was 2016 Ford F-150 XLT SuperCrew 4WD.

Personal Injury Protection

The state of Alaska is not a “no-fault” state and thus the state does not require drivers to carry Personal Injury Protection (PIP), comprehensive, collision, or uninsured motorist protection.

Alaska is also known for its rugged terrain and your average driver normally has a vehicle which is able to handle such terrain. Since 4 x 4 trucks and similar vehicles cost more to insure, along with the climate insurance rates are going to be higher than average.

Like any other state, Alaska requires its drivers to carry a minimum amount of liability protection and even though the state’s insurance rates are higher than average it is a good idea to think about carrying uninsured motorist protection in the event you are in accident with another driver that is not carrying sufficient coverage.

Also, comprehensive coverage would be another option since moose, deer, and other animals are commonly hit by drivers in the state of Alaska.

After comparing quotes be sure to contact an insurance broker to be sure you have the correct amount of coverage for your vehicle.

Penny Adams
Penny Adams is a freelance professional writer with great knowledge of what Google likes. Articles written are original, highly researched, and complete with sources listed. When not writing or telephone fund raising for non-profit organizations, I enjoy spending time with my daughter and granddaughter, growing food, and exploring the great outdoors in Michigan.

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