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Alaska Car Insurance Rates

Only a fraction of Alaska is accessible by road. A "highway" can be six lanes through Anchorage and a gravel path to Nome -- and your car insurance needs will be very different in either place. You'll find a map of sample state car insurance rates for every city and village below.

Alaska car insurance requirements

Alaska state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $50,000/$100,000
Minimum property damage liability $25,000

Alaska Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Alaska
  • 99502: $1,419
  • 99513: $1,419
  • 99567: $1,419
  • 99504: $1,419
Cheapest Neighborhoods
In Alaska
  • 99826: $1,073
  • 99833: $1,073
  • 99840: $1,073
  • 99820: $1,073

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What you need to know about car insurance in Alaska

Penny Gusner
Consumer Analyst

Alaska is a unique state, and its insurance laws are unique, too.

Along with Maine, Alaska has the highest minimum required bodily injury liability limits in the U.S. Every driver must carry a minimum of $50,000 in bodily injury liability coverage, up to $100,000 per accident, and $25,000 in property damage liability coverage.

For drivers who don't own a home or have substantial savings to protect, that could be plenty of coverage.

Another point that makes Alaska special: It doesn't require insurance coverage in every corner of the state. Many villages and hamlets don't require registration or insurance. The Alaska DMV publishes an annual list of areas without insurance requirements -- but be warned, it changes: For instance, Alaska decided that in 2012 vehicles, snowmachines and ATVs driven on Kotzebue's public roads must now be insured.

SR-22 for life: In Alaska, anytime your license is suspended, revoked or limited, you are required by the state to obtain an SR-22 filing as part of your car insurance policy. For most offenses, you must carry the SR-22 for three years, but in certain circumstances one can be required to carry the SR-22 filing for five, 10, or 20 years -- and in extreme cases (fourth DWI or an unsatisfied judgment) for life.

Coverage lapse: A gap in coverage can send your car insurance rates skyrocketing in most states. But in Alaska, if you haven't owned a car, weren't legally required to carry insurance and haven't violated the Alaska mandatory insurance act, your lack of prior insurance coverage cannot be considered as a factor in rating your policy.