Alaska Car Insurance
Alaska drivers must carry 50/100/25 liability under the Alaska Mandatory Motor Vehicle Insurance Act (AS 28.22.101)1, among the highest state minimums in the United States. UM and UIM are a must-offer at the compulsory liability limits under AS 28.20.4452. Alaska uniquely exempts drivers in areas not accessible by road from compulsory insurance under AS 28.22.0113.
YesWeSure Bottom Line
Among the highest statutory floors. Alaska's 50/100/25 compulsory liability is tied with Maine for one of the highest state minimums in the United States1.
Geography-based exemption. Alaska is the only state that exempts drivers in off-road communities from compulsory insurance under AS 28.22.011. The exemption does not apply once a vehicle is operated on the connected road system3.
How to make a real decision. Even Alaska's high floor is still a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Alaska car insurance law requires
Minimum liability limits
50 / 100 / 251
$50,000 bodily injury per person, $100,000 per accident, $25,000 property damage per accident, under the Alaska Mandatory Motor Vehicle Insurance Act (AS 28.22.101). Among the highest state minimums in the United States.
Personal Injury Protection (PIP)
Not required5
Alaska is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must offer; 50 / 100 BI if purchased2
AS 28.20.445 requires every Alaska personal auto policy to include UM and UIM at not less than the compulsory liability limits unless the named insured rejects it in writing.
Rural-area exemption
Not-accessible-by-road vehicles exempt3
AS 28.22.011 exempts drivers whose vehicles are principally garaged in areas of Alaska not accessible by road from the mandatory motor vehicle insurance requirement. The exemption does not apply on the connected road system.
Coverage verification
Alaska DMV insurance verification4
The Alaska Division of Motor Vehicles administers insurance verification. Confirmed lapse under AS 28.22.019 can trigger driver license and registration suspension plus SR-22 filing requirements.
Rate approval regime
Alaska Division of Insurance oversight5
Alaska does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
50/100/25 compulsory liability
The Alaska Mandatory Motor Vehicle Insurance Act (AS 28.22.101) compels every registered Alaska vehicle to carry 50/100/25 liability1. This is among the highest state minimums in the United States. Many Alaska drivers carry higher limits.
PIP: not required in Alaska
Alaska does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM/UIM must-offer under AS 28.20.445
Every Alaska personal auto policy must include UM and UIM at the compulsory liability limits unless the named insured rejects the coverage in writing2.
DMV verification and lapse enforcement
The Alaska Division of Motor Vehicles administers insurance verification6. A confirmed lapse under AS 28.22.019 can trigger driver license and registration suspension plus SR-22 filing requirements4. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Alaska does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age5.
Where the Alaska situation rules live on YesWeSure
This State Guide owns the Alaska pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Alaska SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Alaska. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong50/100/25 minimum liability under AS 28.22.101 verified against the statute. Among the highest state minimums in the United States.
- StrongAlaska is a traditional tort state (no PIP) verified against the Alaska Division of Insurance consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM must-offer at compulsory liability limits under AS 28.20.445 verified against the statute.
- StrongRural-area exemption under AS 28.22.011 verified against the statute. This exemption reflects Alaska's unusual geography and does not apply to drivers on the connected road system.
- StrongAlaska DMV insurance verification under AS 28.22.019 verified against the statute and the Alaska DMV consumer page.
- LimitedDeliberately omitted from V1. An Alaska modeled cost anchor; carrier-specific AK underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." An Alaska-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Alaska?
50/100/25 liability under AS 28.22.1011. UM/UIM is a must-offer at the compulsory liability limits and ships on the policy unless rejected in writing2.
Is Alaska a no-fault state?
No. Alaska is a traditional tort state and does not require PIP5.
Is auto insurance required in off-road areas of Alaska?
No. AS 28.22.011 exempts drivers whose vehicles are principally garaged in areas not accessible by road. The exemption does not apply on the connected road system3.
Sources & methodology
- AS 28.22.101: Alaska Mandatory Motor Vehicle Insurance Act; 50/100/25 compulsory liability. (Alaska Legislature, TIER 1)
- AS 28.20.445: Uninsured and Underinsured Motorist must-offer at compulsory liability limits; written rejection required. (Alaska Legislature, TIER 1)
- AS 28.22.011: compulsory motor vehicle insurance; rural-area exemption for areas not accessible by road. (Alaska Legislature, TIER 1)
- AS 28.22.019: penalties and license/registration suspension for operation without compulsory motor vehicle insurance. (Alaska Legislature, TIER 1)
- Alaska Division of Insurance: Automobile Insurance consumer page. (Alaska Division of Insurance, TIER 1)
- Alaska DMV: Insurance Requirements consumer page. (Alaska Division of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Alaska Statutes, Alaska Division of Insurance, Alaska DMV). Every legal number traces to an Alaska primary source: AS 28.20.445; AS 28.22.011, 28.22.019, 28.22.101. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .