Alaska Auto Insurance — Rates & Requirements

This is the foundation of your insurance — it pays for injuries you cause to others in an accident you're at fault for. The premium is the amount you pay monthly or annually for coverage.

This pays for damage you cause to another person's vehicle or property in an at-fault accident.

Alaska law requires insurers to offer this coverage, though you can decline it in writing. This coverage protects you if you're hit by a driver with no insurance or limits too low to cover your damages.

Alaska does not require PIP, which would cover your own medical expenses regardless of fault. However, some insurers offer it as an optional add-on. If you don't have health insurance with strong coverage, PIP can help pay for medical bills, lost wages, and rehabilitation after an accident — particularly important in Alaska, where ambulance and emergency airlift costs can reach tens of thousands of dollars.

These coverages are optional unless your lender requires them. Collision covers damage to your car in an accident regardless of fault, while comprehensive covers non-collision events like theft, vandalism, animal strikes, and weather damage. Alaska has one of the highest rates of animal-vehicle collisions in the nation — particularly moose strikes, which cause catastrophic vehicle damage — making comprehensive especially relevant even for drivers with older vehicles.