Comparing auto insurance in Alaska is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Alaska drivers may want to consider comprehensive coverage because winter weather, wildlife collisions, theft, vandalism, broken glass, fire, wind, hail and long distances between repair facilities can create losses that state-minimum liability coverage will not pay for.
Alaska average rates are below Bankrate’s listed national averages for both full and minimum coverage, but premiums can rise after speeding tickets, at-fault accidents, DUI convictions, poor credit, SR-22 filings or coverage lapses.
50/100/25
Alaska requires at least $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $25,000 property damage liability. Liability coverage is the only coverage Alaska requires drivers to carry, although insurance is not required in some areas where vehicle registration is not required. Drivers with a ticket worth 6 points or more within the last five years must still carry liability insurance.
At Fault
Offer/Rejection Rule
PIP is not required in Alaska. Alaska is an at-fault state, so injury and property damage claims generally depend on who caused the crash. Medical payments coverage may be available as optional coverage.
Offer/Rejection Rule
Uninsured/underinsured motorist coverage is not a required purchase in Alaska, but insurers must present a written UM/UIM offer when a driver applies for auto liability insurance. If the driver’s selection or rejection is not verified by signature, Alaska law requires the insurer to issue UM/UIM coverage at limits matching the liability coverage.
Source: Alaska Division of Insurance
Recent rate data estimates Alaska annual auto insurance premiums at about $2,378 for full coverage and $501 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $501 | $42 |
| Full coverage | $2,378 | $198 |
| Full coverage with speeding ticket | $2,752 | $229 |
| Full coverage after at-fault accident | $3,141 | $262 |
| Full coverage after DUI | $3,453 | $288 |
| Full coverage with poor credit | $4,051 | $338 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Alaska minimum coverage focuses on required protection such as Alaska requires at least $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $25,000 property damage liability. Liability coverage is the only coverage Alaska requires drivers to carry, although insurance is not required in some areas where vehicle registration is not required. Drivers with a ticket worth 6 points or more within the last five years must still carry liability insurance.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Alaska may require an SR-22 certificate as proof of future financial responsibility before reinstating driving privileges after certain suspensions or revocations. Alaska DMV says most offenses require SR-22 coverage for three years from the ending day of the revocation. DUI or refusal convictions require SR-22 for five years after a first offense, ten years after a second offense, twenty years after a third offense, and for life after a fourth DUI/refusal or an unsatisfied judgment.
Alaska does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Alaska auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Alaska drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, anti-theft, low-mileage and telematics discounts. Alaska drivers in remote or low-mileage situations may benefit from comparing usage-based options where available.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | USAA |
| 3 | Umialik |
| 4 | Allstate |
| 5 | State Farm |
Carrier pricing and availability vary by ZIP code, community, vehicle and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Alaska cities:
Alaska requires 50/100/25 liability coverage: $50,000 bodily injury liability per person, $100,000 per accident and $25,000 property damage liability. Some areas where vehicle registration is not required are exempt from mandatory insurance, but drivers with a ticket worth 6 points or more within the last five years must carry liability insurance.
No. Alaska is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in Alaska. Medical payments coverage may be available as optional coverage.
Uninsured/underinsured motorist coverage is not a required purchase in Alaska, but insurers must make a written offer. If the driver does not sign a selection or rejection, Alaska law requires the insurer to issue UM/UIM coverage at limits matching the liability coverage.
Bankrate lists Alaska’s average annual cost at $2,378 for full coverage and $501 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
Alaska may require SR-22 insurance before reinstating driving privileges after certain suspensions or revocations. Alaska DMV says most offenses require SR-22 for three years from the ending day of the revocation, while DUI or refusal convictions can require longer filing periods.
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Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
