Alaska Car Insurance Minimum Requirements

The Alaska minimum: 50/100/25 — among the highest anywhere, and switched off in 296 off-road communities. That is $50,000 for injuries to one person, $100,000 per accident and $25,000 for property damage.

Shorthand: 50/100/25
Among the highest liability floors in the country — Maine and Virginia match it, and Maine and Virginia match it, North Carolina's property damage goes to $50,000 and Massachusetts raised its own to $30,000 in July 2025. Michigan's headline 250/500 is a default a driver may sign down to 50/100, and its property damage floor is only $10,000. But the requirement is not statewide. Under AS 28.22.011(a) the duty to insure does not apply where the vehicle is being driven on a road that is not connected by land to the state highway system, or to any road carrying an average of more than 499 vehicles a day — and only if the driver has also gone five years without a traffic citation worth six or more demerit points. Both conditions must hold. DMV must publish the list of qualifying areas every year, and it currently names 296 communities, from Adak and Akutan to Point Hope, Metlakatla and Tenakee Springs. The exemption follows the road, not the driver: someone from an exempt village must still be insured the moment they drive on the connected highway system, and the same road test decides whether the vehicle needs to be registered at all (AS 28.10.011(10)).
Bodily injury — per person: $50,000
Bodily injury — per accident: $100,000
Property damage: $25,000
Uninsured / underinsured motorist: Included at your liability limits unless you reject it in writing
Every policy must carry uninsured and underinsured motorist coverage in the same amounts as the liability limits, for bodily injury and for property damage. It is a single combined coverage, it pays only after the at-fault driver's limits are used up, and the property damage part carries a $250 deductible. You may reject it, but only in writing; once rejected it stays off renewals until you ask for it back in writing (AS 28.22.101(e), 28.22.201).
Personal injury protection (PIP): Not used — Alaska has no personal injury protection
Alaska requires liability coverage and nothing else. There is no PIP and no compulsory medical payments coverage. Medical payments is sold, but purely as an optional add-on.

Property damage minimum — where Alaska sits

Alaska sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Alaska compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $50,000 is the most the policy pays for any single person's injuries. $100,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $50,000 is all your insurer owes, however large the bill. Injure three people and they divide $100,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Alaska drivers actually spend. The average premium written per insured vehicle here was $458 in 2023, 16th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Alaska will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Alaska?

Included at your liability limits unless you reject it in writing.

Is PIP required in Alaska?

Not used — Alaska has no personal injury protection.

Is full coverage required in Alaska?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Alaska law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Alaska

Why the rule looks like this

More on Alaska

Checked against the primary sources above on September 30, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.