State guide

Alaska Car Insurance

By YesWeSure EditorialReviewed October 1, 2026Editorial standardsReport an errorSources

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.

Ready to compare Alaska quotes at or above the compulsory limits?

Compare Alaska car insurance quotes

YesWeSure may receive compensation when readers use quote-comparison links. Compensation does not influence the statutory or regulatory information on this page or the sources cited above. See our advertiser disclosure and editorial standards.

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)
AS 28.20.445: Uninsured and Underinsured Motorist must-offer at compulsory liability limits; written rejection required. (Alaska Legislature)
AS 28.22.011: compulsory motor vehicle insurance; rural-area exemption for areas not accessible by road. (Alaska Legislature)
AS 28.22.019: penalties and license/registration suspension for operation without compulsory motor vehicle insurance. (Alaska Legislature)
Alaska Division of Insurance: Automobile Insurance consumer page. (Alaska Division of Insurance)
Alaska DMV: Insurance Requirements consumer page. (Alaska Division of Motor Vehicles)
YesWeSure: Car insurance after an accident (YesWeSure)
YesWeSure: Car insurance after a DUI (YesWeSure)
YesWeSure: Car insurance after a lapse in coverage (YesWeSure)
YesWeSure: Car insurance when moving to another state (YesWeSure)
YesWeSure: What is medical payments coverage? (YesWeSure)
YesWeSure: How to choose coverage limits (YesWeSure)
YesWeSure: How insurers calculate rates (YesWeSure)

Every claim on this page traces to a source listed above. 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 October 1, 2026.