State Minimum Car Insurance Laws In Alaska

Driving in Alaska

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Looking to head north to the future? Alaska has different insurance laws depending on the area in which you choose to live. Make sure you know what insurance laws apply in your area or the area you are moving to. Not having the proper insurance could lead to your vehicle getting impounded. Even worse you could have your driver’s license suspended.

Depending on where you are located at on the last frontier, you may not even need insurance. Check out the list at the Alaska’s Division of Motor Vehicles. Insurance is not required if the area you live in does not require you to register the vehicle. The catch here is if you have received a ticket within the last five years that was six points or higher, you still need insurance. If you are guilty of this, you better run out and get some liability insurance immediately.

If you are in an area that requires you to register a vehicle, then you are also required to have liability insurance on your vehicle regardless of the points on your driving record. Minimum coverage is defined in the Mandatory Insurance Statutes.

Alaska's State Minimum Coverage:

  •  $50,000 bodily injury or death
  • $100,000 total bodily injury
  • $25,000 for property insurance. 

Bodily injury or death is used when one person is injured in an accident. Total bodily injury is when multiple people are hurt in an accident. I must remind you that these are just the minimums; you can always carry higher coverage. The worst thing that could happen when you are involved in a car accident is not having enough insurance to cover the bills. Another thing to be aware of is that liability insurance only covers injuries or property damage you cause to others. There are other options that you can purchase that will cover your injuries and property as well as cover damage caused by uninsured or underinsured drivers. If you are carrying a loan or leasing a vehicle you will more than likely be required to purchase comprehensive coverage and collision.

Whether you already live in Alaska or are headed north to the future, make sure to get the proper coverage for the area you are going to reside. The last thing you would want is to be caught driving without car insurance and having to deal with unnecessary fines, tickets, and headaches.