Alaska Minimum Auto Insurance Requirements in 2024 (What AK Drivers Need to Buy)
Alaska minimum auto insurance requirements mandate 50/100/25 coverage—$50,000 bodily injury per person, $100,000 per accident, and $25,000 per property damage liability. Alaska car insurance rates from USAA start at $18 monthly, emphasizing the need to meet Alaska legal coverage options.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 27, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Alaska minimum auto insurance requirements mandate 50/100/25 liability insurance coverage, ensuring protection against bodily injury and property damage claims.
Drivers must have a minimum of $50,000 for each person, $100,000 per accident, and $25,000 for property damage to obey state law. If drivers do not follow this rule, they face fines and cannot register their vehicles. So, having the right coverage is very important.
Alaska Minimum Auto Insurance Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability: | $50,000 per person / $100,000 per accident |
| Property Damage Liability: | $25,000 per accident |
Comparing insurance policies helps drivers find good protection and follow the rules. Knowing the specific insurance requirements in Alaska helps drivers obey laws and protect their money. Compare car insurance rates to find the coverage that’s right for you. Enter your ZIP code into our free rate comparison tool to get started.
- Alaska requires 50/100/25 liability coverage to meet the law
- Non-compliance leads to fines and license or registration issues
- Compare policies to meet Alaska rules and find affordable rates
Alaska Minimum Coverage Requirements & What They Cover
The minimum insurance requirements in Alaska fall under two buckets. The first type of car insurance requirement is in the area of bodily injury or death.
This liability insurance will cover you in the event you get in a car accident and cause such damage to another party.
The Alaska Statue 28.22.101 states you must have a minimum of $50,000 bodily injury coverage for one person and $100,000 of coverage to cover injuries to multiple people in an accident. Property damage coverage is also required in the state of Alaska. The amount of property damage coverage needed is going to $25,000 per the statute in the state.
Similar to bodily injury or death coverage, this type of liability insurance pays for the damage you may do to another’s property. If you get into a car accident and hit a house, for example, that property has been damaged by you and would be covered up to that minimum limit. Property damage liability will also pay for the damage you inflict on another vehicle.
Learn more by checking out our guide: Minimum Auto Insurance Requirements by State
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Cheapest Auto Insurance in Alaska
The details below show Alaska’s top three low-cost auto insurance companies, ranked by their reviews and cost-effectiveness. Each company offers reasonable prices and unique benefits that meet the state’s basic car insurance rules.
6,435 reviewsCompany Facts
Min. Coverage in Alaska
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
17,760 reviewsCompany Facts
Min. Coverage in Alaska
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
19,116 reviewsCompany Facts
Min. Coverage in Alaska
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsUSAA is the least expensive choice, receiving a high rating of 4.8 from more than 6,000 reviews. It is well-known for its trustworthy service and affordable insurance plans. State Farm comes in second place with a rating of 4.3 based on almost 18,000 reviews. They provide robust coverage options at fair prices.
Geico is the third most affordable, having a 4.5 rating and good comments from more than 19,000 reviewers. They like its easy prices and flexible policies. These companies give great choices for drivers who want low-cost insurance that fits Alaska’s 50/100/25 rules.
Alaska Min. Coverage Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Anchorage | $89 |
| Barrow (Utqiaġvik) | $90 |
| Bethel | $87 |
| Fairbanks | $83 |
| Homer | $75 |
| Juneau | $81 |
| Kenai | $76 |
| Ketchikan | $80 |
| Kodiak | $82 |
| Nome | $86 |
| Palmer | $84 |
| Seward | $79 |
| Sitka | $78 |
| Valdez | $77 |
| Wasilla | $85 |
This table shows the monthly price of Alaska’s minimum coverage auto insurance in different cities, showing how location affects costs. Comparing these rates helps drivers find affordable options. Protect yourself by knowing when to buy more than minimum auto insurance.
The costs are very different between big cities and smaller towns, showing local risk things like how often accidents happen and how many people live there. Anchorage has the highest cost among big cities, at $89 monthly, but in small places like Homer, it is cheaper at $75 for monthly coverage.
Alaska drivers in Homer enjoy the lowest rate at just $75 monthly.Daniel Walker Licensed Auto Insurance Agent
Places in the middle range like Juneau and Kenai have costs of $81 and $76, respectively. Knowing these differences helps drivers pick insurance that matches their budget while still following Alaska’s required 50/100/25 liability insurance rules.
Penalties for Driving Without Insurance in Alaska
There are going to be consequences if you fail to have proper insurance in the state of Alaska. When you are driving a motor vehicle, you need to have proof of the automobile liability insurance with you.
Ever wondered what the minimum auto insurance requirements are in your state? 🚗💼 Don’t leave it to chance! Our comprehensive guide breaks down the essentials for each state, from liability to personal injury protection👉 https://t.co/WfvOPNwvHC #AutoInsurance #KnowYourCoverage pic.twitter.com/B4dl6UNpj6
— AutoInsurance.org (@AutoInsurance) June 20, 2024
If an officer asks you to provide it, evidence of the insurance has to be present, or you may face the following penalties:
- Having Your License Suspended
- Having Your Vehicle Impounded
- Receiving a Monetary Fine
When you register your vehicle for the first time, proof of insurance must also be present. Failure to show evidence of insurance will result in your not being able to register your automobile.
The only exception to this rule is if you are driving in a part of Alaska where registration of a vehicle is not required.
Even still, if you are a driver with a ticket for a violation of six points more on your record within the last five years, insurance will still be required.
Read more: Cheapest Liability-Only Auto Insurance
Review Alaska Auto Insurance and Shop for Policies
You want to be aware of your pre-existing car insurance coverage. What are your current coverage limits? Do they meet the minimum requirements within the state? If so, you may be good, but that does not mean there are no more valuable options. Shop the car insurance market and see if your policy has more value. Understand where to buy auto insurance online to save time and money.
You may even get a better policy with higher limits for the same premium you are paying now. Make price comparisons and use online quotes. Enter your ZIP code below to receive and compare several free online quotes today.
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Frequently Asked Questions
What does the Alaska auto insurance guide provide?
The Alaska car insurance guide helps drivers understand state requirements, coverage options, and tips for finding affordable policies. Master the process of how to find affordable auto insurance rates online efficiently.
What are the Alaska auto insurance laws?
Alaska car insurance laws require all drivers to carry liability coverage of 50/100/25 to protect against bodily injury and property damage claims.
What are the Alaska auto insurance requirements?
Alaska car insurance requirements include a $50,000 bodily injury per person, $100,000 per accident, and $25,000 for property damage. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
What does Alaska automobile insurance cover?
Alaska automobile insurance typically covers liability, collision, and comprehensive protection, ensuring financial security in case of accidents or damage.
What is Alaska vehicle insurance?
Alaska vehicle insurance includes liability coverage and optional policies like collision and comprehensive auto insurance, protecting drivers against financial risks.
What is the average cost of car insurance in Alaska?
The average cost of car insurance in Alaska is approximately $44.97 per month, depending on factors like location and driving history.
What are car insurance options in Badger, Alaska?
Drivers in Badger, Alaska, can access affordable car insurance with options to meet the state’s 50/100/25 minimum requirements.
What is the cheapest car insurance in Alaska?
USAA, State Farm, and Geico are among Alaska’s cheapest car insurance providers, offering affordable policies that meet state requirements.
How can college students find car insurance in Alaska?
Alaska college students can find affordable car insurance by maintaining good grades, bundling policies, and comparing providers for discounts. Discover the best auto insurance companies for college students today.
What is the Alaska minimum car insurance requirement?
As state law mandates, the Alaska minimum car insurance requirement is 50/100/25 liability coverage.
Is Alaska a no-fault state?
No, Alaska is not a no-fault state. Drivers must carry liability insurance, and at-fault drivers are responsible for damages caused in an accident.
Do you need insurance to register a car in Alaska?
Yes, Alaska requires proof of insurance meeting the state’s minimum coverage of 50/100/25 to register a car. See if your car needs to be registered to get auto insurance in your state.
Is car insurance high in Alaska?
Car insurance in Alaska is relatively affordable, with average rates around $44.97 per month, though costs vary by location and driving history.
How much is car insurance in Anchorage, Alaska?
Car insurance in Anchorage, Alaska, averages $48–$70 per month, depending on coverage levels and individual factors like driving record. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
What happens if you drive without insurance in Alaska?
Driving without insurance in Alaska can result in fines, license suspension, and vehicle registration denial.
Do you need both license plates in Alaska?
Yes, Alaska typically requires vehicles to display both front and rear license plates, except for motorcycles and trailers. Verify whether you need auto insurance to get a license plate legally.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.