Alaska is home to almost 700,000 people and has one of the highest state minimum car insurance requirements in the nation.
Alaska state law requires all drivers to carry some kind of proof of insurance whenever operating a vehicle or be subject to a fine. This proof of insurance can be either a copy of the car insurance policy, a self-insurance certificate or auto insurance ID card.
Should a driver be involved in any accident over $501 they will be required to show proof of coverage otherwise possibly face a drivers license suspension along with an SR-22 requirement in order to have a license re-instated.
Alaska Minimum Car Insurance Requirements
In comparison to other States Alaska’s car insurance requirements are one of the highest. The Alaska Department of Insurance with all drivers currently required to have at least:
- $50,000 bodily injury liability coverage per person
- $100,000 bodily injury liability coverage per accident
- And $25,000 in property damage coverage
Collision coverage, comprehensive insurance and uninsured motorists coverage are all optional in Alaska but every driver should always consider obtaining some coverage in all of these areas as state minimums are usually created to protect other drivers and not necessarily the owner of the vehicle for losses incurred from an accident.
Find an Alaska car insurance company today and start online car insurance quote comparison.
Are Alaska Minimum Car Insurance Requirements Enough?
While much bigger states have only a fraction of the required insurance coverage Alaska has certainly made an effort to require drivers to carry a reasonable amount of coverage however health expenses and repair costs get more costly every day so its worth considering higher coverage no matter what state minimum law requires. Most car insurance companies allow several multiples of coverage for minimal increases to car insurance premiums.
Alaska Car Insurance Companies
While Alaska is not a huge market for car insurance there is still healthy competition with over 45 companies who offer car insurance coverage. GEICO, Allstate and Progressive all have a presence in Alaska so reach out to as many companies as you can for a quote before choosing a provider. Always remember to compare apples to apples and not just choose a policy based on the cheapest premiums.
Alaska Car Insurance Comparison
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