Alaska car insurance: minimums, prices and your estimate
Alaska requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability (written 50/100/25).
Alaska's liability minimums are among the nation's highest, and your policy must also cover you in Canada. Drivers who use only roads in certain areas the DMV lists as not connected to the state highway system can be exempt if their driving record qualifies.
- Legal minimum
- 50/100/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (3 years, uninsured crash)
What drivers in Alaska can expect to pay
Monthly ranges from our model, anchored to Alaska's position in 7 published price studies from 2025 and 2026 ($2,466 a year for full coverage and $585 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $177-$234 | $2,466 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $42-$56 | $585 |
| Young driver, full coverage20, own policy, clean record | $329-$493 | $4,932 |
| Senior, full coverage70, clean record | $170-$225 | $2,367 |
| After one at-fault accident35, full coverage | $265-$352 | $3,699 |
| After a DUI35, full coverage | $309-$463 | $4,636 |
| Poor credit35, clean record, full coverage | $315-$453 | $4,611 |
Build your Alaska estimate
Rules worth knowing in Alaska
- Uninsured and underinsured motorist coverage, for injuries and property damage, is included unless you reject it in writing. If you do not sign the selection or rejection form, the policy must carry uninsured motorist limits equal to your liability limits.
- Uninsured motorist property damage carries a $250 deductible unless you choose another option your insurer offers, and it covers only the insured vehicle.
- Alaska does not require PIP, and medical payments coverage is optional.
- Insurers must tell you at application and renewal if they use credit, and may use it only together with other underwriting factors. If credit leads to a worse rate or decision, you can ask within 60 days for an exception for extraordinary life circumstances.
- The Alaska Division of Insurance notes that rates reflect age, sex and marital status. State law also lets you exclude a household driver from your policy.
- Alaska requires an SR-22 filed with the DMV for three years after a crash in which you were uninsured; for other reasons the state sets the period, so check with the Alaska DMV.
Questions about Alaska car insurance
What is the minimum car insurance in Alaska?
Alaska requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability (written 50/100/25).
How much is car insurance in Alaska per month?
For a 35-year-old with a clean record, our model puts full coverage at about $177 to $234 a month and state-minimum coverage at about $42 to $56. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Alaska a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Alaska use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Alaska?
Only if a court or the state requires one, usually after a serious violation or a lapse. Alaska requires an SR-22 filed with the DMV for three years after a crash in which you were uninsured; for other reasons the state sets the period, so check with the Alaska DMV.