Alaska car insurance: requirements & free quotes
Alaska has some of the highest liability minimums in the country at 50/100/25, and it follows a traditional at-fault system. Long distances between towns, winter driving and wildlife on the road shape what coverage makes sense here.
Minimum coverage in Alaska
$50,000
Bodily injury per person
$100,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $50,000 per person / $100,000 per accident
Property damage liability $25,000 per accident
Shown as 50/100/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Alaska
- Comprehensive coverage pays for collisions with moose and other animals, a real risk on Alaska highways.
- Roadside assistance is valuable when the next service station may be far away.
- If you store a vehicle for the winter, ask about reducing coverage instead of canceling it so you avoid a lapse.
- Winter tires and a clean record can help you qualify for better rates with some insurers.
We connect drivers across Alaska
Including Anchorage, Fairbanks, Juneau, Wasilla and Sitka — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Alaska car insurance FAQ
No. Alaska is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.