Auto Insurance Minimum Requirements
Alaska requires all drivers to carry minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 50/100/25. Alaska is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Important Notes
Exempts certain remote regions where registration isn't required unless driven in urban areas.
Uninsured / Underinsured Motorist
Must be offered with liability policy; rejection must be signed in writing.
SR-22 Filings
Typically required for 3 to 5 years after major traffic convictions or driving without insurance.
Alternatives to Insurance
Certificate of self-insurance if owning more than 25 vehicles.
Fine
Up to $500
License / Registration
Suspension: Yes (90 days)
SR-22 Required After
Yes
What is the minimum car insurance required in Alaska?
Alaska requires minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 50/100/25 coverage.
Is Alaska a no-fault state?
No, Alaska is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Alaska?
Uninsured motorist coverage is not required in Alaska, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Alaska?
Driving without insurance in Alaska can result in fines of Up to $500 and license/registration suspension (Yes (90 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Alaska?
SR-22 filings are used in Alaska for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Typically required for 3 to 5 years after major traffic convictions or driving without insurance.
What does 50/100/25 mean in Alaska?
These numbers represent your liability limits: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Alaska Division of Motor Vehicles
More Alaska Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Alaska Division of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.