What is the state requirement for auto insurance in Alaska?

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Alaska (AK) auto insurance laws mandate that you maintain adequate liability insurance coverage on your motor vehicle. Before you register your auto in AK you must show valid proof of car insurance.

Required Auto Insurance in Alaska

Minimum auto insurance requirements for each motor vehicle in AK are:

  • Injury or death to one person: $50,000
  • Injury or death to two or more people: $100,000
  • Property damage: $25,000
NOTE: Alaska doesn’t require personal injury protection (PIP), or what’s commonly referred to as no-fault coverage.

If you reside in a part of AK that does not require you to register your auto, you are not required to have auto insurance. Areas of AK that are exempt from registration are listed at the AK Division of Motor Vehicles website.  Some of the exempt areas are:

  • Attu
  • King Cove
  • Old Harbor
  • Owl Village
  • Pile Bay
  • Pilot Point
  • Port Alexander
  • Port Moller
  • Scammon Bay
  • St. Paul
  • Stevens Village
  • Wiseman
Should you receive a ticket that is worth six or more points, you must get car insurance even if you live in an area that does not require car registration. If you are required to have liability insurance in AK and you fail to comply, your license could get suspended.

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