New Driver Auto Facts
Get a Quote

Alaska Auto Insurance — Rates & Requirements

Alaska requires 50/100/25 minimum liability coverage — $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. First-time drivers typically pay $180–$260 per month, with rates varying significantly by age, location, and driving record.

Compare Alaska Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Damaged red car on crash test platform showing impact deformation to front end and wheel area
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 2026

State Requirements

Alaska operates under a traditional at-fault tort system, meaning the driver responsible for an accident is liable for damages. The state requires all drivers to carry proof of insurance and show it upon request by law enforcement or after an accident. Alaska has higher minimum liability limits than most states — 50/100/25 — reflecting the state's isolated geography and limited access to emergency medical services in many areas.

Alaska cityscape and street view
50/100 ($50,000 per person, $100,000 per accident)
Bodily Injury Liability
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. Alaska's minimum is higher than the national average 25/50 standard, but medical costs and emergency transport in remote areas can quickly exceed $50,000 per person, especially if airlift is required.
$25,000
Property Damage Liability
This pays for damage you cause to another person's vehicle or property in an at-fault accident. Given the high cost of vehicle repairs and replacement in Alaska — where parts often must be shipped and labor rates reflect remote conditions — $25,000 may not fully cover damage to newer or higher-value vehicles. Consider $50,000 or more if you drive frequently in urban areas like Anchorage or Fairbanks.
Not required, but must be offered
Uninsured/Underinsured Motorist Coverage
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. With an estimated 12% uninsured driver rate in Alaska and many rural drivers carrying only the minimum, this coverage is critical — especially for first-time buyers who may not have savings to cover repair or medical costs out of pocket.
Not required
Personal Injury Protection (PIP)
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.
Not required (required only if financing or leasing)
Comprehensive and Collision Coverage
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.
State-Mandated Minimum Coverage · Alaska

Alaska Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$25,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Alaska quote.

Get your Alaska quote

Cost Overview

Alaska's auto insurance rates are shaped by the state's extreme weather, remote geography, and high cost of vehicle repairs. First-time drivers and those under 25 pay significantly more — often 60–90% above the state average — due to lack of driving history and statistically higher accident risk. Rates vary widely between Anchorage, where competition and population density moderate costs, and rural communities with limited provider options.

What Affects Your Rate

  • Drivers under 25 pay 60–90% more than the state average due to statistically higher accident and claim rates.
  • Anchorage residents typically pay 15–25% less than drivers in Fairbanks, Juneau, or rural areas, where repair costs and limited competition drive rates higher.
  • Alaska experiences over 700 moose-vehicle collisions annually, making comprehensive coverage particularly valuable even for older vehicles.
  • Winter driving conditions and icy roads from October through April contribute to higher collision claim frequency, which insurers price into premiums.
  • Vehicles registered in areas without year-round road access or requiring ferry transport face higher replacement part costs, increasing comprehensive and collision premiums by 10–20%.
  • First-time insurance buyers with no prior coverage history are treated similarly to high-risk drivers and may see rates 40–70% above experienced drivers with clean records.
Minimum Coverage
$120–$180/mo
Meets Alaska's 50/100/25 legal requirement. Does not cover damage to your own vehicle or provide protection beyond the state minimum for injuries you cause.
Standard Coverage
$180–$260/mo
Includes higher liability limits (100/300/50 or 100/300/100), uninsured motorist coverage, and often a modest level of comprehensive and collision with a $1,000 deductible. A deductible is the amount you pay out of pocket before insurance kicks in.
Full Coverage
$280–$420/mo
Adds comprehensive and collision with lower deductibles ($500 or less), higher liability limits (250/500/100), and additional protections like roadside assistance and rental reimbursement — important in a state where towing and alternative transportation can be extremely expensive.

Compare car insurance for first-time drivers

Rates are high for new drivers — but the right carrier and discounts can make a real difference.

Get Your Free Quote
✓ New Driver Specialists✓ No Obligation✓ Licensed Carriers✓ All 50 States

Coverage Types

Liability Insurance

This is the only coverage Alaska legally requires. It pays for injuries and property damage you cause to others in an at-fault accident. Alaska's 50/100/25 minimum is higher than most states, but still may not be enough if you cause a serious accident.

Full Coverage

A combination of liability, collision, and comprehensive coverage — this is what most people mean when they say 'full coverage.' It protects both you and others, covering your vehicle's repair or replacement regardless of fault.

Comprehensive Coverage

Covers damage to your vehicle from events other than collisions — theft, vandalism, fire, falling objects, and animal strikes. You'll pay a deductible (your out-of-pocket cost before insurance pays) when you file a claim.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage. Alaska requires insurers to offer this, though you can legally decline it.

Collision Coverage

Pays to repair or replace your vehicle after a collision with another car or object, regardless of who was at fault. Required by lenders if you finance or lease your vehicle.

SR-22 Insurance

Not a separate coverage type, but a certificate of financial responsibility filed by your insurer with the state to prove you carry the required coverage. Alaska requires SR-22 for drivers with certain violations like DUI or driving uninsured.

Find Your City in Alaska

Anchorage, Alaska cityscape and street view

Anchorage

urban
Snowy road through evergreen forest at sunset with mountains in background during winter

Fairbanks

suburban
Juneau, Alaska cityscape and street view

Juneau

suburban
Peaceful lake surrounded by forested hills and small islands with houses nestled among green trees

Sitka

urban
Misty mountain with evergreen forest reflected in calm lake under overcast sky

Ketchikan

urban

Frequently Asked Questions

Get Your Free Quote in Alaska