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 50/100/25 | Required |
Uninsured/Underinsured Motorist BI & PD Protection | Not Required |
Medical Payments | Not Required |
Personal Injury Protection | Not Required |
Alaska Auto Insurance: Cost For Liability Only (By City)
City | Price |
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
Alaska Auto Insurance: Who Has The Lowest Liability Price? (By City)
City | Company |
Delta Junction | National General |
Funny River | Geico |
Deltana | Progressive |
Willow | The General |
Ester | Progressive |
Nikiski | The General |
Ketchikan | Geico |
Point MacKenzie | Progressive |
Hooper Bay | Progressive |
Palmer | Progressive |
Kotzebue | The General |
Gateway | Geico |
Butte | The General |
Kalifornsky | The General |
Metlakatla | Farmers |
Bear Creek | Progressive |
Fritz Creek | Progressive |
Sterling | Progressive |
Haines | Progressive |
Kodiak | Progressive |
Wrangell | The General |
College | Progressive |
Salcha | Progressive |
Chena Ridge | Liberty Mutual |
Talkeetna | Dairyland* |
Bethel | Geico |
Valdez | Bristol West |
Eielson AFB | The General |
Anchor Point | Geico |
King Cove | Progressive |
Susitna North | Progressive |
Sand Point | Dairyland* |
Steele Creek | The General |
Meadow Lakes | Progressive |
Prudhoe Bay | Geico |
Fishhook | Progressive |
Juneau | The General |
Utqiagvik | National General |
Cohoe | Geico |
Skagway | Progressive |
North Pole | Progressive |
Ridgeway | Progressive |
Anchorage | Liberty Mutual |
Sitka | Geico |
Salamatof | Bristol West |
Houston | Progressive |
Lazy Mountain | Farmers |
Petersburg | Geico |
Chevak | Liberty Mutual |
Badger | Geico |
Sutton-Alpine | Farmers |
Diamond Ridge | The General |
Soldotna | Progressive |
Unalaska | The General |
Seward | Progressive |
Healy | Progressive |
Nome | Geico |
Tanaina | Progressive |
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 Cost | Company |
---|---|
$179.00 | State Farm |
$186.00 | Geico |
$163.00 | Allstate |
$158.00 | USAA |
$158.00 | Liberty Mutual |
$168.00 | Farmers |
$183.00 | Nationwide |
$171.00 | American Family |
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 & Experience – Younger 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 Liability | High 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
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 |
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
City | Price |
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.
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Last Updated on by Brian Muse