Is Alaska an at-fault or no-fault state?

Alaska is an at-fault at-fault state for car insurance claims.

Field report · AK

Car insurance in Alaska

Alaska is a at-fault state with a minimum liability requirement of50/100/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage50/100/25

Fault systemAt-fault

Uninsured motoristNot required

RegulatorAlaska Division of Motor Vehicles (Alaska DMV)

What the minimums actually mean

Alaska's minimums are higher than most states: $50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage.

UNCERTAIN: Alaska's exact statutory UM/UIM purchase mandate could not be conclusively confirmed; treat UM/UIM as commonly available/recommended rather than a confirmed hard requirement until verified against the Alaska Division of Insurance.

Estimated cost

Illustrative estimate: roughly $400-$450/year for minimum coverage, despite the higher-than-typical liability minimums, reflecting lower traffic density.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Generally required for drivers classified 'high-risk' after a DUI, an at-fault accident while uninsured, or license suspension/revocation.

Local conditions worth knowing

Alaska has the highest number of moose-vehicle collisions in North America, concentrated in winter darkness, compounded by long remote distances and severe winter driving conditions.

Frequently asked

What is the minimum car insurance requirement in Alaska?: Alaska requires liability limits of at least 50/100/25. Alaska's minimums are higher than most states: $50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage.
Is Alaska an at-fault or no-fault state?: Alaska is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Alaska?: Generally required for drivers classified 'high-risk' after a DUI, an at-fault accident while uninsured, or license suspension/revocation.
Is uninsured motorist coverage required in Alaska?: UNCERTAIN: Alaska's exact statutory UM/UIM purchase mandate could not be conclusively confirmed; treat UM/UIM as commonly available/recommended rather than a confirmed hard requirement until verified against the Alaska Division of Insurance.

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