Alaska car insurance requirements
Every driver in Alaska must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Alaska drivers should know
- Alaska requires at least 50/100/25 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Alaska’s minimums are higher than most states’, at 50/100/25.
- Long winters, wildlife collisions and gravel roads make comprehensive coverage worth considering, especially for newer vehicles.
Home insurance in Alaska
- Winter is hard on homes here: frozen pipes, ice dams and snow load on roofs are common claims.
- Spring thaw and heavy rain can cause basement flooding and sewer backup — both need separate coverage or an endorsement.
- Earthquakes are a real risk in much of Alaska and aren’t covered by standard home policies — earthquake coverage is separate.
Ways to save in Alaska
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.