Minimum car insurance in Alaska.
What Alaska requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Alaska, the minimum liability limits are written 50/100/25 (in thousands): $50,000 for injury to one person, $100,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Alaska is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. Insurance not required in remote areas without vehicle registration unless driver has 6+ violation points in 5 years.
What the minimum means in practice
Say a crash you cause injures three people. The Alaska minimum pays at most $50,000 to any one of them and $100,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Alaska
A conviction for failing to have or show proof of insurance carries a mandatory $500 fine under AS 28.22.019, and the DMV says failing to carry required insurance may result in license suspension.
Proof of insurance
Drivers must carry proof of liability insurance whenever they drive and show it on demand to a peace officer or authorized Department of Public Safety representative.
SR-22 and similar filings
Alaska may require an SR-22 for reinstatement after a suspension or revocation, generally carried for three years from the end of the revocation for most offenses.
Also worth knowing in Alaska
Insurance is not required in areas where registration is not required, but a driver with 6 or more points within the last 5 years must carry liability insurance.
Your state regulator
Alaska Division of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Alaska a no-fault state?
Alaska is generally an at-fault state.