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Alaska Minimum Car Insurance and Penalties for Driving Without It
The short answer
Alaska requires liability insurance of at least $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25).
Alaska at a glance
| Minimum liability | $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Uninsured and underinsured motorist coverage in the same amounts as the liability minimums is included in every policy unless you reject it in writing. |
| First offense for driving uninsured | Driving without proof of insurance is an infraction with a mandatory fine of $500. If you cannot prove insurance after an accident, your license is suspended for at least 90 days when you had no such suspension in the past 10 years. The DMV can require an SR-22 to reinstate, generally for three years counted from the end of the revocation. |
| Repeat offense | If you have an accident without insurance and had a suspension for this within the past 10 years, your license is suspended for at least one year. A limited license is not available after two or more such suspensions in 10 years. |
| Fee to restore after a lapse | The DMV reinstatement fee is $100 for one non-DUI administrative action and $250 for two administrative actions. This is a general fee, not one set only for insurance. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Alaska?
Alaska requires liability insurance of at least $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25).
What happens if you drive without insurance in Alaska?
Driving without proof of insurance is an infraction with a mandatory fine of $500. If you cannot prove insurance after an accident, your license is suspended for at least 90 days when you had no such suspension in the past 10 years. The DMV can require an SR-22 to reinstate, generally for three years counted from the end of the revocation.