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Alaska Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Alaska. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Alaska will offer a minimum level as follows:

$50,000 in Bodily Injury per person
$100,000 in Bodily Injury per accident
$25,000 in Property Damage

Not all areas in Alaska have required insurance limits so be sure to check with the Division of Motor Vehicles for a list.

What Is The Average Premium for Auto Insurance in Alaska?

$77 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $77. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

What Makes Alaska Auto Insurance Different Than Other States?

The beautiful state of Alaska provides a unique environment for vehicles and driving. For many months of the year the state is cold and covered in snow which offers challenges that other states don't. Most drivers in the state are used to the snow pack and icy conditions but that doesn't mean accidents don't happen. In fact many times accidents occur because of animals on the road or damages to vehicles by animals.

The auto insurance companies will not increase your premiums due to an animal related accident or damage done by animals. You will be subject to your deductible if you want to repair your vehicle but the rate will not increase because of it. Most of the vehicle to vehicle accidents occur in urban areas where the population is much greater. There are approximately 6,500 traffic accidents each year in Alaska which may be more than most expect.

Alaska SR-22 Auto Insurance

Alaska requires drivers with suspended licenses to maintain a financial responsibility filing called SR-22. For most drivers whose license has been suspended you must file this form. In most cases involving driving under the influence of alcohol you will be required to file an SR-22 with the Alaska Division of Motor Vehicles. This filing is normally required for a period of 3 years but may be longer depending on your court order. Reference our SR22 insurance page for more details about SR-22 forms.

 

 

 

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