Alaska Auto Insurance: All about Liability Insurance in Alaska

In Alaska, auto insurance is required to legally operate a vehicle. Due to unique driving conditions such as icy roads and long distances, it’s essential to have the right coverage to stay protected.

State Liability Requirements

Required Liability Coverage:
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: 50/100
$2500 Personal Injury Protection

Alaska Auto Insurance – State Minimum Requirements

Do you need car insurance in Alaska? Yes, the state requires all drivers to carry at least 50/100/25 liability coverage to drive legally. This means your policy must include:

  • $50,000 for bodily injury per person
  • $100,000 for bodily injury per accident
  • $25,000 for property damage

Can You Increase Your Liability Coverage in Alaska?

Yes! While 50/100/25 is the minimum requirement, drivers can choose higher liability limits for better protection. You can also add optional coverages, such as:

  • Uninsured/Underinsured Motorist (UM/UIM) – Covers costs if you’re hit by a driver with no insurance.
  • Medical Payments (MedPay) – Helps pay for medical expenses, regardless of fault.

Why Is Liability Insurance Important?

  • Legal Requirement – Driving without insurance can result in fines, license suspension, or legal action.
  • Financial Protection – If you’re at fault in an accident, liability insurance helps cover medical bills and property damage.
  • Avoid Lawsuits – Without proper coverage, you could be sued and forced to pay out-of-pocket.

Need Affordable Auto Insurance in Alaska?

Make sure you’re covered! Get a free Alaska car insurance quote today and compare the best rates.

State Minimum Liability Insurance 50/100/25Required
Uninsured/Underinsured Motorist BI & PD ProtectionNot Required
Medical PaymentsNot Required
Personal Injury ProtectionNot Required
Uninsured/Underinsured Motorist and Medical payments are optional coverages the State of Alaska offers. If you choose to opt out of these additional coverages, you will need to sign a rejection form, otherwise, the coverages will be added to your liability insurance policy in Alaska, per law.

Alaska Auto Insurance: Cost For Liability Only (By City)

CityPrice
Susitna North$106.00
Farm Loop$98.00
Sterling$99.00
Dillingham$104.00
Anchorage$95.00
Sutton-Alpine$97.00
Chevak$98.00
Kenai$93.00
Big Lake$110.00
Tok$99.00
Gateway$95.00
Juneau$103.00
Soldotna$91.00
Ester$86.00
King Cove$88.00
Point MacKenzie$107.00
Deltana$86.00
Utqiagvik$93.00
Ketchikan$102.00
Seward$110.00
Diamond Ridge$90.00
Bear Creek$95.00
Anchor Point$103.00
Lazy Mountain$110.00
Hooper Bay$94.00
Chena Ridge$89.00
Petersburg$110.00
Eielson AFB$87.00
Salamatof$101.00
Houston$98.00
Lakes$105.00
Tanaina$105.00
Kodiak$103.00
Funny River$97.00
Fritz Creek$104.00
Farmers Loop$87.00
Kalifornsky$99.00
Healy$96.00
Haines$110.00
Goldstream$95.00
College$95.00
Metlakatla$94.00
Kotzebue$100.00
Nome$95.00
Palmer$97.00
Delta Junction$105.00
Wrangell$109.00
Nikiski$106.00
Valdez$107.00
Sitka$93.00
Cohoe$90.00
Meadow Lakes$97.00
Nunapitchuk$94.00
Fishhook$109.00
Willow$95.00
Salcha$106.00
Knik-Fairview$103.00
Kodiak Station$100.00
North Pole$88.00
Fairbanks$102.00
Bethel$101.00
Steele Creek$88.00
Ridgeway$94.00
Badger$105.00
Butte$95.00
Sand Point$104.00
Homer$94.00
Wasilla$86.00
Talkeetna$87.00
Unalaska$94.00
Craig$109.00

Will Alaska’s State Minimum Auto Insurance Cover You?

Alaska has some of the highest minimum liability insurance requirements in the U.S. Drivers must carry 50/100/25 coverage, meaning:

  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury
  • $25,000 for property damage

In comparison, some states require as little as 10/30/10, which offers significantly less protection.

Is the Minimum Liability Coverage Enough?

While lower limits may be cheaper, they may not provide enough coverage in a serious accident. If damages exceed your policy limits, you could be held personally responsible for additional costs.

When Should You Increase Your Liability Limits?

  • Homeowners & High-Asset Individuals – If you own a home or valuable assets, increasing your coverage to 100/300/100 or 250/500/250 can better protect you from lawsuits.
  • Frequent Drivers – The more time you spend on the road, the higher the risk of an accident.
  • Concerned About Medical Costs – Medical expenses and vehicle repairs can quickly exceed state minimums.

Find the Right Auto Insurance Coverage in Alaska

Want extra protection beyond Alaska’s minimums? Get a free car insurance quote today and explore affordable options for higher coverage!

Is Alaska a No-Fault State? Understanding Alaska Auto Insurance

No, Alaska is not a no-fault state. Instead, Alaska follows a tort-based insurance system, meaning that the driver responsible for the accident must pay for damages. If you’re injured in a crash caused by another driver, you have the right to sue for medical expenses, lost wages, and other damages that their insurance may not fully cover.

How Fault Works in Alaska Auto Accidents

  • At-Fault Driver Pays – The driver found responsible for the accident is liable for medical expenses and property damage (up to their insurance limits).
  • State Minimum Coverage May Not Be Enough – Alaska requires 50/100/25 liability limits, but damages can exceed these amounts. If the at-fault driver has only the minimum coverage, their insurance may not fully cover your losses.
  • You Can Be Sued for Additional Costs – If your liability coverage is too low, you could be held personally responsible for damages beyond your policy limits.

Why Higher Liability Limits Matter in Alaska

If you’re involved in an accident where the other driver’s coverage isn’t enough, you might be left paying out-of-pocket. Consider increasing your limits to 100/300/100 or higher to protect yourself from unexpected costs.

Find the Right Auto Insurance in Alaska

Make sure you have enough coverage to protect yourself on the road. Get a free Alaska car insurance quote today and compare your options!

Alaska Auto Insurance: Who Has The Lowest Liability Price? (By City)

CityCompany
Delta JunctionNational General
Funny RiverGeico
DeltanaProgressive
WillowThe General
EsterProgressive
NikiskiThe General
KetchikanGeico
Point MacKenzieProgressive
Hooper BayProgressive
PalmerProgressive
KotzebueThe General
GatewayGeico
ButteThe General
KalifornskyThe General
MetlakatlaFarmers
Bear CreekProgressive
Fritz CreekProgressive
SterlingProgressive
HainesProgressive
KodiakProgressive
WrangellThe General
CollegeProgressive
SalchaProgressive
Chena RidgeLiberty Mutual
TalkeetnaDairyland*
BethelGeico
ValdezBristol West
Eielson AFBThe General
Anchor PointGeico
King CoveProgressive
Susitna NorthProgressive
Sand PointDairyland*
Steele CreekThe General
Meadow LakesProgressive
Prudhoe BayGeico
FishhookProgressive
JuneauThe General
UtqiagvikNational General
CohoeGeico
SkagwayProgressive
North PoleProgressive
RidgewayProgressive
AnchorageLiberty Mutual
SitkaGeico
SalamatofBristol West
HoustonProgressive
Lazy MountainFarmers
PetersburgGeico
ChevakLiberty Mutual
BadgerGeico
Sutton-AlpineFarmers
Diamond RidgeThe General
SoldotnaProgressive
UnalaskaThe General
SewardProgressive
HealyProgressive
NomeGeico
TanainaProgressive

Alaska Auto Insurance – Optional Coverages

While Alaska law only requires 50/100/25 liability coverage, many drivers choose to add optional coverages for extra protection. If you’re financing a vehicle, your lender may also require full coverage insurance to protect their investment.

What Optional Coverages Are Available in Alaska?

  • Comprehensive Coverage – Pays for non-collision damage, such as theft, fire, vandalism, or weather-related incidents.
  • Collision Coverage – Covers repairs or replacement of your vehicle after an accident, regardless of fault.
  • Uninsured/Underinsured Motorist (UM/UIM) – Protects you if you’re in an accident with a driver who has no insurance or too little coverage.
  • Medical Payments (MedPay) – Helps cover medical expenses for you and your passengers, regardless of fault.
  • Roadside Assistance – Provides towing, battery jumps, and other emergency services.
  • Rental Reimbursement – Covers the cost of a rental car if your vehicle is in the shop after a covered claim.

Average Cost of Full Coverage Auto Insurance in Alaska

Adding comprehensive and collision coverage increases the cost of your policy. On average, full coverage auto insurance in Alaska costs around $1,400–$1,800 per year, depending on factors like your driving record, vehicle type, and location.

Get the Right Auto Insurance in Alaska

Need full coverage car insurance or extra protection beyond the state minimum? Get a free Alaska car insurance quote today and compare your options!

Full Coverage Average CostCompany
$179.00State Farm
$186.00Geico
$163.00Allstate
$158.00USAA
$158.00Liberty Mutual
$168.00Farmers
$183.00Nationwide
$171.00American Family
The average cost for Full Coverage Car Insurance in AK
alaska auto insurance
Drivers may choose additional coverages such as Uninsured Motorist and Medical Payments, which is still considered liability insurance.

Drivers may need to carry full coverage on a vehicle that is being financed, which consists of Comprehensive, and Collision.

Other additional coverages that are beneficial to have on an auto insurance policy are Roadside Assistance, Rental Reimbursement, and Gap Insurance

Average Cost of Liability Insurance in Alaska

Wondering how much liability insurance costs in Alaska? Rates vary based on your driving history, age, and location. Below is a breakdown of the average costs for both low-risk drivers and those with violations.

What Affects Your Liability Insurance Cost in Alaska?

  • Driving History – A clean record leads to lower rates, while tickets or DUIs increase premiums.
  • Age & ExperienceYounger drivers typically pay more due to higher risk.
  • Location – Urban areas like Anchorage may have higher rates than rural parts of Alaska.
  • Coverage Limits – Increasing your liability limits beyond 50/100/25 will raise your premium but provide better financial protection.

Find Affordable Liability Insurance in Alaska

Looking for cheap liability insurance in Alaska? Compare rates from top providers and get a free quote today to see how much you can save!


Low End Cost for LiabilityHigh End Cost for Liability
$110.00$180.00
$80.00$145.00
$110.00$180.00
$100.00$145.00
$110.00$180.00
$110.00$180.00
$110.00$180.00
$110.00$180.00
$90.00$145.00

All Insurance companies are able to offer various prices for their drivers because of discounts, driving history, and their preferred business. For example, some Insurance companies specialize in ‘high risk’ drivers, and are able to offer cheaper prices for those drivers than other companies may be able to.

Some Insurance companies prefer drivers without any violations and may give discounts for paying in full, and bundle products with their auto to get them cheaper prices.

Alaska Auto Insurance Cost for Female Drivers

Alaska insurance female driver

Insurance prices are determined by several ‘rating factors’, one being Gender. Female drivers are proven to be safer, and result in fewer accidents. Insurance companies do not pay out as much in claims for female drivers, which in return gives females cheaper insurance prices.

Insurance prices are determined by several ‘rating factors’, one being Gender. Female drivers are proven to be safer, and result in fewer accidents. Insurance companies do not pay out as much in claims for female drivers, which in return gives females cheaper insurance prices.

Carrier Average Cost
21st Century$131
Dairyland$133
Mendota Ins. Company$133
Acceptance RTR$135
AssuranceAmerica$140
Progressive Insurance$142
GAINSCO$149
Geico$151
National General$151
The General$156
This is the average Liability only cost for female drivers in Alaska. Do your due diligence by checking with several insurance companies to find the best Alaska Auto Insurance for the best price. At A Plus Insurance, we are able to shop several insurance providers to find you the cheapest price.

Liability Insurance in Alaska – How to maximize your discounts and lower your insurance premium

Insurance companies are able to offer a wide array of insurance discounts, even on liability-only policies. There are several discounts such as paperless, auto pay discount, accident-free discounts, safe driver discounts, bundling discounts, and so many more!

It is important to check several insurance companies while looking for cheap liability insurance in Alaska, to ensure you are getting the best price and the best discounts! The more discounts you are eligible for, the more money you will save on your liability insurance policy.

Alaska Auto Insurance: Should I Upgrade To Full Coverage? Cost By City

CityPrice
Sand Point$180
Salamatof$151
Craig$160
King Cove$175
Knik-Fairview$164
Hooper Bay$162
Chevak$175
Susitna North$146
Ridgeway$167
Badger$148
Sterling$148
Fishhook$180
Seward$179
Nikiski$148
Wasilla$180
Soldotna$148
Meadow Lakes$171
Nome$156
Cordova$155
Funny River$181
Homer$146
Nunapitchuk$175
Dillingham$176
Valdez$162
North Pole$155
Cohoe$159
Palmer$155
Steele Creek$172
Skagway$162
Healy$155
Diamond Ridge$146
Savoonga and Buffalo Soapstone$158
Tok$173
Big Lake$168
Tanaina$174
Kenai$180
Petersburg$178
Ketchikan$169
Sutton-Alpine$179
Gateway$179
Unalaska$171
Sitka$163
Fritz Creek$165
Talkeetna$165
Kodiak Station$169
Lazy Mountain$175
Farmers Loop$150
Haines$150
Houston$169
Fairbanks$162
Anchor Point$182
Chena Ridge$170
Juneau$178
Salcha$157
Wrangell$171
Point MacKenzie$149
Bethel$171

What types of auto insurance are common in Alaska?

Auto insurance in Alaska typically includes liability coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, collision, and comprehensive coverage. Each offers various protection options for Alaskan drivers.

What is required for auto insurance in Alaska?

In Alaska, the state mandates a minimum of $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage liability. It’s advisable to consider higher coverage based on individual circumstances.

Why choose our services for Auto Insurance in Alaska?

Our agency in Alaska offers tailored auto insurance solutions, competitive rates, and personalized service to meet individual needs. Contact us for assistance and personalized quotes for your auto insurance at our office.

car icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

house icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

motorcycle icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

OTHER HELPFUL LINKS: SUGGESTIONS

Additional Alaska Insurance
More Information on Juneau, AK Insurance
Motorcycle Insurance Guide | Alaska
SR22 Insurance | Alaska
Progressive Insurance in Alaska
Alaska Auto Insurance Related Links

Last Updated on by Brian Muse

Spread the love
Scroll to Top