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• Alaska Insurance Laws

Alaskan Mandatory Liability Insurance

The following information will help you understand more about Alaska’s liability insurance laws and which areas are exempt from registration and the Mandatory Insurance law. The following information is brought to you by the Alaska Division of Motor Vehicles.

The Mandatory Insurance Statutes require that the owner of a motor vehicle subject to registration have a liability insurance policy in effect that complies with AS 28.22.101. The minimum amounts for this policy are $50,000/$100,000 for bodily injury or death and $25,000 for property damage. Failure to have the proper insurance may result in a suspension of a driver’s license.   Insurance is not required in areas where registration is not required. The list of these locations is shown below. EXCEPTION:  A driver that has received a ticket for a violation of 6 points or more within the last 5 years must have liability insurance.

Proof of motor vehicle liability insurance must be in the person’s possession at all times when driving a motor vehicle, and they must present the proof for inspection upon demand of a peace officer or other authorized representative of the Department of Public Safety. Your vehicle may be impounded in the Municipality of Anchorage if you do not have proof of insurance.  In this case, you would need to contact the Anchorage Police Department for procedures on obtaining your vehicle.

As required by AS 28.22.011(1)(A) & (B), the following areas are exempt from registration and the Mandatory Insurance law. Compiled by the Department of Administration, Division of Motor Vehicles, from information obtained from the Department of Transportation.