State guide
Car Insurance in Alaska
Updated August 2026
Alaska requires more bodily injury liability coverage than almost any other state: 50/100/25, meaning $50,000 per person, $100,000 per accident, and $25,000 for property damage (AS 28.22.101). Long distances to trauma care and high medical costs are effectively baked into those limits, which are double what many at-fault states require.
At the same time, Alaska is one of the few states where insurance is not mandatory everywhere. In DMV-listed communities off the connected road system — places where vehicle registration itself isn't required — liability insurance isn't required either. Everywhere else, from Anchorage to the entire highway network, coverage is mandatory and checked at stops and after crashes.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $50,000 |
| Bodily injury liability (per accident) | $100,000 |
| Property damage liability | $25,000 |
| PIP / medical | Not required (at-fault state) |
| Additional requirements | Insurance not required in DMV-listed exempt communities where vehicle registration is not required — unless the driver has a violation of 6+ points within the last 5 years |
| No-fault state | No |
| SR-22 used | Yes |
Source: AS 28.22.101 (exemptions per AS 28.22.011); Alaska Division of Motor Vehicles
Average annual expenditure for auto insurance in Alaska was $1,014 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
The 50/100/25 minimums
Alaska is an at-fault state with no PIP requirement: the driver who causes a crash pays the other side's costs through liability coverage. Because the required bodily-injury floor is among the highest in the country, even a minimum-limits Alaska policy carries meaningful protection — and a correspondingly meaningful premium, which is why the spread between carriers matters more here than in low-minimum states.
The required policy is liability-only. A moose strike or a windshield cracked by highway gravel falls under optional comprehensive coverage, not the mandated liability limits — worth keeping straight when comparing what each quote actually includes.
Where insurance isn't required — and when it still is
Under AS 28.22.011 and DMV rules, residents of listed exempt communities — mostly villages off the road system where registration isn't required — don't have to carry liability insurance. The exemption has a catch: a driver who has received a ticket worth six or more points within the last five years must carry insurance even in an exempt area.
For everyone else, proof of insurance is required, and driving uninsured can lead to license suspension and an SR-22 filing obligation. If you move from an exempt community to the road system, the insurance requirement follows the registration requirement.
SR-22s in Alaska run long
Alaska uses SR-22 filings, certified by your insurer directly to the DMV, and its required durations are among the longest anywhere. Most qualifying violations require the filing for three years — but DUI and refusal convictions require it for five years after a first offense, ten after a second, and twenty after a third.
A filing obligation measured in decades means the premium attached to a DUI follows an Alaska driver far longer than the license action itself. Since carriers price violation history very differently, re-comparing quotes at each renewal during an SR-22 period is one of the few levers a driver in that position actually controls.
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Frequently asked questions
What car insurance is required in Alaska?+
Liability coverage of at least $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage (50/100/25), under AS 28.22.101. Alaska is an at-fault state and does not require PIP.
Is car insurance required everywhere in Alaska?+
No. In DMV-listed exempt communities where vehicle registration is not required — mostly areas off the connected road system — liability insurance is not required. Exception: a driver with a violation of 6 or more points in the last 5 years must carry insurance even there.
How long is an SR-22 required in Alaska?+
Three years for most qualifying violations. For DUI or refusal convictions, the Alaska DMV requires the SR-22 for five years after a first offense, ten years after a second, and twenty years after a third.
Is Alaska a no-fault state?+
No. Alaska is an at-fault (tort) state: the driver who causes the accident is responsible for the resulting injuries and damage, paid through their liability coverage.
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