Car insurance in Alaska
Alaska is an at-fault state with a minimum liability requirement of 50/100/25. Here's what that means, what it costs, and what to check before you buy.
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
$501 a year for minimum coverage, $2,378 for full coverage2
Average annual premiums in Alaska for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
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 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.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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