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Alaska Auto Insurance

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Every state has its own minimum liability insurance laws. Some states follow a tort system, while others follow a no-fault or hybrid auto liability system. It’s important to know Alaska’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about Alaska’s auto insurance laws and compare Alaska auto insurance company quotes here, your one-stop-shop for all things related to Alaska car insurance.

Alaska auto insurance law: minimum required auto insurance

Liability limits (in 100′s) PIP required No Fault State Uninsured Motorist coverage required
50/100/25 No No No

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

  • First number: bodily injury liability maximum for
    one person for injuries you caused to the other party
  • Second number: bodily injury liability maximum for all injuries in one accident
  • Third number: property damage liability maximum for one accident

Alaska’s auto insurance is a tort system.

A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation.

AK does not require PIP (Personal Injury Protection).

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Alaskans are not required to purchase uninsured motorist coverage.

An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Alaska, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

It is considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your auto insurance rates.

Find out more information about Alaska auto insurance quotes.