Alaska Auto Insurance


In Alaska you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, and is mandatory in Alaska.

Alaska minimum liability limits; $50,000 per person for injuries you cause to the other parties, $100,000 total per accident, and $25,000 for damage you cause to the other party's property. Non mandatory options (plan add ons) include medical payments, blanket umbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.

If you are convicted of DUI in Alaska (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.

If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the Alaska Automobile Insurance Plan via Alaska Service Center. The Alaska Automobile Insurance Plan was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.

  Below (again) are the minimal limits.

State minimums Bodily injury liability / person Bodily injury liability / accident Property damage / accident Medical coverage (PIP) Uninsured motorist
Alaska $50,000 $100,000 $25,000 $0 $0

Proof of insurance is required at the time of an accident. Your insurer must verify financial responsibility or insurance after an accident or arrest. Penalties for driving without insurance in Alaska are registration revocation and/or suspension. Forging proof of financial responsibility is punishable by a fine of not more than $1,000, or by imprisonment for not more than one year, or by both (Sec. 28.20.570).