✓ Updated January 2026 – Based on Real Alaska Quotes

Alaska Auto Insurance Requirements & Costs

Complete guide to Alaska car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: Alaska Auto Insurance Data

Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in Alaska. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in Alaska during 2026.

Alaska Minimum Coverage
50/100/25
Alaska requires $50,000 per person, $100,000 per accident, and $25,000 for property damage. Many drivers increase limits due to higher vehicle values and rural driving risks.
Current Quote Data Status
Limited Dataset
Our first-party dataset does not yet contain sufficient Alaska quote volume to publish verified carrier averages or monthly pricing comparisons.
SR22 Insurance Impact
High-Risk Tier
Drivers requiring SR22 certification are typically rated in higher underwriting tiers. The filing fee is minimal, but the violation attached to the SR22 significantly increases premiums.
Rate Influencing Factors
Weather + Risk Profile
Alaska insurance rates are influenced by driving history, vehicle type, rural distance exposure, animal-collision risk, and coverage level selection.

Alaska Auto Insurance Requirements

Alaska law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $50,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $100,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $25,000 Damage to another person’s vehicle or property in an accident you cause
Important: Alaska requires 50/100/25 liability coverage, higher than most states. These are legal minimums, most drivers benefit from higher coverage limits (50/100/50 or 100/300/100) to protect against serious accidents.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault

If you’re ready to compare available Alaska coverage options and view current rates, you can start your quote here.

Average monthly auto insurance rate by state

Filters: Filters: State AK

Source ... A Plus Insurance Quote Dataset

AK
$216.51
  • Pricing ranges from $216.51 (AK) to $216.51 (AK) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $216.51. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2121 1_al-YHBjqAmLavLcDviMCYNhNdFWkXJ 2026-04-06 AK Anchorage 99507 unknown unknown unknown 0.00 0 0 0
2100 1VogZoRL8NxFE8ZJuSrWEfFB0ubY55Id 2026-04-03 AK Wasilla 99623 34 male single liability_only Progressive 230.01 0 0 0
1905 1n1KeaPkNuvKxvoU1NICmB6gTxiNSY9R 2026-03-18 AK Wasilla 99623 2008 Ford Escape unknown unknown full_coverage 0.00 0 0 0
1897 1HFl9Vs0Pa-8kmGC5FkRKs7mFqNAqLSb 2026-03-18 AK Wasilla 99623 2008 Ford Escape unknown unknown full_coverage 203.00 0 0 0

How Violations & Risk Factors Affect Your Alaska Rates

Your driving record and risk profile significantly impact insurance costs in Alaska. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Alaska

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Alaska Department of Public Safety. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Alaska.

For a full breakdown of coverage types and how they work together, check out our auto insurance guide.

SR22 vs non SR22 rate comparison

Filters: Geo_mode state, _show_summary , State AK

Source ... A Plus Insurance Quote Dataset

Liability only

Filters: Geo_mode state, _show_summary , State AK, Coverage liability_only

StateNon SR22 avg monthlySR22 avg monthlyDollar difference
AK$230.01

Last updated: 2026-04-10 17:42:53

Download CSV (evidence)

Full coverage

Filters: Geo_mode state, _show_summary , State AK, Coverage full_coverage

StateNon SR22 avg monthlySR22 avg monthlyDollar difference
AK$101.50

Last updated: 2026-04-10 17:42:53

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
2121 Ruby Finley 21453504 AK Anchorage 99507 unknown unknown no unknown no unknown 0 0 0 2026-04-07 06:00:25
2100 Mia Bush AK Wasilla 99623 34 male single no State Farm liability_only Progressive 230.010000 yes no 0 0 0 2026-04-04 06:00:38
1905 Lauren McKenzie 19081764 AK Wasilla 99623 unknown unknown no 2008 Ford Escape full_coverage no unknown 0 0 0 2026-03-23 18:39:13
1897 Brian Muse AK Wasilla 99623 unknown unknown no 2008 Ford Escape full_coverage 203.000000 no unknown 0 0 0 2026-03-23 18:39:03

How DUI Affects Your Alaska Insurance Rates

A DUI conviction has severe consequences for auto insurance in Alaska:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 10 years in Alaska

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Alaska

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

For an overview of Alaska insurance rules and what different types of coverage you might need, see our Alaska insurance guide.

Liability only vs full coverage by company

Filters: State AK

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage
Progressive
$230.01
—

Across these carriers, liability only averages $230.01 per month, while full coverage averages $0.00.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2100 1VogZoRL8NxFE8ZJuSrWEfFB0ubY55Id 2026-04-03 AK Wasilla 99623 34 male single liability_only Progressive 230.01 0 0 0

Cheapest auto insurance companies

Filters: Filters: State AK

Source ... A Plus Insurance Quote Dataset

Progressive
$230.01
  • Pricing ranges from $230.01 (Progressive) to $230.01 (Progressive) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $230.01. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2100 1VogZoRL8NxFE8ZJuSrWEfFB0ubY55Id 2026-04-03 AK Wasilla 99623 34 male single liability_only Progressive 230.01 0 0 0

Driver age average monthly by area

Filters: Filters: State AK

Source ... A Plus Insurance Quote Dataset

34
$230.01
  • Pricing ranges from $230.01 (34) to $230.01 (34) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $230.01. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2100 1VogZoRL8NxFE8ZJuSrWEfFB0ubY55Id 2026-04-03 AK Wasilla 99623 34 male single liability_only Progressive 230.01 0 0 0

Driver sex average monthly by area

Filters: Filters: State AK

Source ... A Plus Insurance Quote Dataset

male
$230.01
  • Pricing ranges from $230.01 (male) to $230.01 (male) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $230.01. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2100 1VogZoRL8NxFE8ZJuSrWEfFB0ubY55Id 2026-04-03 AK Wasilla 99623 34 male single liability_only Progressive 230.01 0 0 0

Auto Insurance Coverage Across Alaska Counties

Find detailed auto insurance information, rates, and requirements specific to your Alaska county.

Anchorage Municipality
Fairbanks North Star Borough
Matanuska-Susitna Borough
Kenai Peninsula Borough
Juneau City and Borough
Bethel Census Area
Nome Census Area
Kodiak Island Borough
Sitka City and Borough
Ketchikan Gateway Borough
Northwest Arctic Borough
North Slope Borough
Valdez-Cordova Census Area
Yukon-Koyukuk Census Area
Southeast Fairbanks Census Area
Dillingham Census Area
Wade Hampton Census Area
Denali Borough
Bristol Bay Borough
Aleutians East Borough

Frequently Asked Questions

What are the minimum auto insurance requirements in Alaska?
Alaska requires minimum liability coverage of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. Alaska does not require PIP coverage, but optional coverages like collision and comprehensive are recommended due to weather and wildlife risks. These are the legal minimums to drive in Alaska, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Alaska?
Auto insurance costs in Alaska vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Columbus and Cincinnati typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Alaska a no-fault insurance state?
No, Alaska is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Alaska.
What happens if I get caught driving without insurance in Alaska?
Driving without insurance in Alaska results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Alaska takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Alaska?
You need SR-22 insurance in Alaska if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Alaska Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Alaska?
A DUI in Alaska typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Alaska?
Yes, most insurance experts recommend purchasing more than Alaska’s minimum 25/50/25 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Alaska?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Alaska drivers $400 or more annually.

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Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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Last Updated on by Jayleen Ridgeway

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