Car Insurance in Alaska: Requirements

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Minimum car insurance in Alaska

Minimum liability insurance:

Liability coverage is insurance for damage and injury you cause to others. It's usually the foundation of auto insurance policies. Because Alaska has many remote parts, the state does not require car registration in all areas. Auto insurance is not required in Alaska areas that don't require car registration. You can find a list of these exceptions from the Alaska DMV.

Where Alaska car insurance is required, the minimums are:

$50,000 bodily injury per person
$100,000 bodily injury per accident
$25,000 property damage per accident

This is often written as 50/100/25.

Uninsured/underinsured motorist (UM/UIM) coverage: UM/UIM pay for your injuries if you're hit by a driver who doesn't have any insurance or not enough. Insurance companies in Alaska have to offer UM/UIM but you can reject it. If you do buy it, the minimum is 50/100.

Optional car insurance in Alaska

Comprehensive coverage: For theft of your car or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

Collision coverage: For damage to your vehicle caused by hitting another car or an object, like a pole.

Medical payments (MedPay): For injuries or funeral expenses for you or your passengers no matter who caused the car accident.

You must show an insurance ID card (or other proof of financial responsibility) in Alaska when:

Law enforcement requests it
If your vehicle is involved in a car accident that causes:
- Bodily injury or death of a person
- More than $501 in property damage

Penalties for not having auto insurance in Alaska

$500 fine; license may be suspended for a minimum of 90 days

Source: Property Casualty Insurers Association of America

Consumer complaints against the largest auto insurance companies in Alaska

Each state's department of insurance collects complaints against insurance companies that operate in the state and supplies the numbers to the National Association of Insurance Commissioners. A national "complaint ratio" number is meant to show the number of complaints against a company relative to the insurer's size of business. Shown below are national complaint ratios for the largest auto insurance companies in Alaska.