Auto Insurance Requirements In The State of Alaska

Alaska Car Insurance

Alaskan law requires all drivers to carry a minimum amount of liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. 

Car Insurance Requirements

Liability coverage must include the following minimums:

• $25,000 for bodily injury or death per person.
• $50,000 total for bodily injury or death per accident.
• $100,000 for property damage.

It’s important to note that liability coverage does not cover any damages or injuries that happen to you or your vehicle.  Also, if your car is being leased or financed, you may be required to buy additional collision and comprehensive coverage depending on your financing agreement.

Violations and Penalties

If you are caught uninsured, or fail to provide proof of insurance within 15 days to the DMV, your driver’s license will be suspended for 90 days for a first occurrence or 1 year for a second occurrence. 

In the event a driver is found guilty of causing a car accident and is not carrying these minimum amounts, their license will be suspended until all damages to the other party, including property damages and personal injury, are paid in full.  Once these damages are paid and the license is reinstated, the driver will need to file an SR22 (a form of proof of insurance) with the DMV, and will be required to carry it for the foreseeable future as long as they remain licensed.  The certificate of insurance form is also available at any DMV office or at: http://doa.alaska.gov/dmv/forms/pdfs/466.pdf 

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