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Minimum State Insurance Requirements » Alaska

50 / 100 / 25

Personal injury insurance for the driver: $50,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $100,000

Property damage coverage per claim: $25,000



Alaska Car Insurance Information

Drivers wanting to learn current Alaska car insurance information can use the data provided here to make an informed choice when purchasing coverage for their vehicle. Alaska has some very specific laws regarding liability insurance amounts.

Alaska Car Insurance Information

Alaska is a very large state – over two and one-half times the size of Texas – and its unpredictable weather and ever-changing road conditions are partly to blame for the high number of vehicle accidents. Alaskans often drive in poor visibility, heavy snowstorms and in sub-zero temperatures. For this reason it is imperative that full insurance coverage is maintained on all vehicles being driven on Alaskan roadways. The monetary fines for driving without required insurance are hefty. Liability insurance is mandatory in Alaska and the minimum amount of coverage required is well above the national average.

Car Insurance Minimum Requirements

In Alaska drivers are required by state law to carry a liability insurance policy meeting or exceeding 50/100/25. This means that all liability policies written by licensed agents or insurance providers must include coverage for at least $50,000 per bodily injury, $100,000 for all injuries per accident and $25,000 for vehicle or property damage. This coverage is meant to protect non-fault parties in an accident caused by the insured. Alaska ranks above the national average in terms of minimum insurance requirements

Car Insurance Companies

Dozens of licensed agents operate in Alaska, most of them located in Anchorage, Fairbanks, Juneau and Ketchikan. They represent some of the largest insurance companies in the nation and are well-educated and informed on the vehicle accident statistics in the 49th State. These agents take information from the insurance shopper concerning age, driving experience, location of residence and what type of vehicle is being covered by insurance. Rates are determined by these factors as well as what the vehicle is primarily used for. Alaska has a large number of pickup trucks, SUVs, tractor-trailer combinations and fuel tankers on the roadways each and every day, some of which are safer than others. Rates will depend on where the car is driven and what kind of traffic is likely to be encountered.

Free Car Insurance Quote For Alaska

For more Alaska car insurance information and immediate quotes, contact an agent licensed to sell insurance in the state. These quotes are free and drivers are under no obligation to purchase. Questions about combining auto insurance with coverage for health, life and even real estate can also be answered by contacting an agent online. Get a free, no-obligation quote now.

Car Insurance Rates

Alaska car insurance prices vary considerably but are slightly higher than the national average. This is somewhat offset by the higher income per capita in the state. On average, full liability coverage meeting the state minimum combined with collision and comprehensive insurance will cost about $125 per month or $1,500 annually per vehicle. Drivers can save on optional protection such as PIP and uninsured motorist coverage when incorporating these into a policy that includes liability and collision insurance.