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Alaska Auto Insurance
Most people don’t know some of the most important details about auto insurance in Alaska. Actually, understanding Alaskan insurance guidelines and obtaining cheap auto insurance with adequate coverage isn’t as difficult as it sounds. Below, we’ll outline everything you need to know about Alaska driving laws, auto insurance requirements, accident stats, and more.
Car Insurance Requirements in Alaska
In Alaska, if you’re driving a registered car, Alaska car insurance laws dictate that you have to have insurance for it. While there are many different types of insurance available, in Alaska, you are only required to have liability coverage.
Liability coverage only covers property damage and injuries for other people when those damage or injuries were caused by you. According to Alaska minimum auto insurance requirements, all drivers must have the following liability coverage:
- $50,000 worth of bodily injury or death coverage per person
- $100,000 worth of total bodily injury coverage if multiple individuals are injured
- $25,000 worth of property damage coverage
If you want damage or injuries of your own to be covered, it is recommended that you purchase additional coverage.
Is Alaska a No-Fault State?
No. Alaska is a fault state. This means that if you are found responsible for an accident, it is your duty to compensate those affected if their property is damaged and/or if they suffer injuries.
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Car Insurance Prices in Alaska
Car insurance prices can vary greatly in Alaska. Much of the variance depends on the driver’s age. The average cost of annual insurance in Alaska ranges from just under $1000 to nearly $4000. Teens have it the hardest with both 16 and 17 year olds often paying well over $3,000 in insurance annually. 21 to 85 year olds usually pay between $1000 and $1500 annually, with the lowest rates being paid by 35 to 65 year olds.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 63% | Female – 37% | Anchorage | ||
| 25 – 54 | Ford | Male – 50% | Female – 50% | Anchorage | ||
| 55 – 64 | Ford | Male – 48% | Female – 52% | Anchorage | ||
| 65 + | Ford | Male – 50% | Female – 50% | Anchorage | ||
* This information is based on Pretected.com users.
Traffic Violations and Fines in Alaska
Speeding Ticket Cost in Alaska
Speeding is considered reckless driving in Alaska. How much an Alaskan speeding ticket costs will vary, depending on your specific violation and your unique location at the time of the offense. Look at your traffic ticket to find details about what you owe and next steps.
Driving While High Laws in Alaska
Use of recreational marijuana is legal in Alaska, but driving high there is considered a DUI. Right now, there is no legal limit for marijuana impairment while driving. It’s simply best not to do it at all as police may arrest you on observed impairment alone.
Driving Without Car Insurance in Alaska
If you do not have the proper insurance while driving in Alaska, this may result in license suspension, and your vehicle may be impounded. Still, there are certain areas in Alaska where registration is not required, and, therefore, where insurance is not required.
Texting and Driving in Alaska
It is illegal to text and drive in the state of Alaska. The illegality also includes other cell phone use while driving, including answering emails or sending instant messages. Other forms of distracted driving, such as eating while driving or being too tired to drive are also considered dangerous. These acts may result in fines and penalties, depending on their severity.
Don’t try tying your dog to the roof of your car in Alaska; it’s illegal.
Alaska Car Accidents
Car accident statistics show that there were 75 fatal crashes in Alaska in 2025. These accidents resulted in 79 deaths. Crashes in Alaska are common, but compared to other states, Alaska has a low fatality rate for car accidents.
Reasons for Car Accidents in Alaska
Approximately 421 car accidents causing injuries or death occurred in Alaska in 2025 (latest available data). 348 of those accidents caused serious injuries while the rest resulted in fatalities.
Statistics for 2025 show that 18% of the fatal crashes occurring that year resulted in pedestrian fatalities. 65% of the fatal accidents involved only a single vehicle, and 35% involved multiple vehicles.
Car Accident Statistics by Vehicle Type in Alaska
Car accident statistics by vehicle are available from 2025 (latest available data). In this year, passenger cars made up 44% of the total car accidents with 9,240 passenger car accidents occurring. Pick-ups and SUVs accounted for 9,640 of all crashes (46%), and trucks accounted for 376 accidents (1.7%). Finally, motorcycles were involved in 162 of the accidents that year (.7%).
Car Accidents in Alaska ““ More Facts
In Alaska, alcohol may be responsible for over three-fourths of all accident fatalities. In 2025, of the 32 drivers (not including passengers) killed in motor vehicle accidents, 27 (84%) had known BAC results.
Alaskans also have the unique challenge of facing moose on highways and other roads. In fact, cars and trucks account for 30 percent of all moose deaths in Alaska.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Alaska
- If you’re prone to pranks, you should also avoid tying a string or wire across the road as a joke. It may land you in the slammer.
- Oh, and don’t let an animal jump or fall from your vehicle either “” even if the vehicle isn’t moving.
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Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Sources and References
- https://www.dmv.org/ak-alaska/car-insurance.php
- https://www.dmv.org/insurance/fault-and-no-fault-insurance.php
- https://www.dmv.org/traffic-ticket-fines-and-penalties.php
- http://dhss.alaska.gov/dph/director/documents/marijuana/mjfactsheet_dui.pdf
- https://www.dmv.com/ak/alaska/distracted-driving-laws
- https://blog.nationwide.com/weird-traffic-laws-by-state/
- https://www.iihs.org/iihs/topics/t/general-statistics/fatalityfacts/state-by-state-overview
- https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/documents/ak_fy16_annual_report.pdf
- http://dot.alaska.gov/stwdplng/transdata/pub/accidents/2008_AK_VehicleData.pdf
- https://www.adn.com/outdoors/article/moose-collisions-real-present-danger-alaska-roadways/2025/12/10/