Cheap Car Insurance in Alaska
Alaska offers stunning natural beauty, from fishing spots to majestic hiking trails. Whether you're commuting to work, heading out for a weekend adventure, or exploring the wilderness, affordable auto insurance helps protect you, your loved ones, and your vehicle on every journey. EagleWay Auto Insurance is proud to offer cheap car insurance in Alaska. Learn which coverages are mandatory, which are optional, and how EagleWay can help you save. Get a free quote today to see how much money you could save.
Alaska Car Insurance Laws
Do you have to have car insurance in Alaska?
Alaska requires all vehicle owners to carry a policy that meets state insurance laws. Minimum liability coverage limits are expressed as three numbers in thousands of dollars. In Alaska, the limits are 50/100/25.
Alaska Minimum Car Insurance Requirements
Here’s a breakdown by coverage type:
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage protects you if you cause an accident that injures another person. | Yes. $50,000 per person / $100,000 per accident. |
| Property Damage Liability Coverage helps repair or replace property you damage in an accident. | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for injuries if the other driver has no or insufficient coverage. | Not required. |
| Medical Payments Coverage (Med Pay) covers your medical expenses after an accident, regardless of fault. | Not required. |
| Collision Coverage helps repair or replace your vehicle after a collision. | Not required.¹ |
| Comprehensive Coverage covers damage from fire, flood, vandalism, falling objects, or animal collisions. | Not required.¹ |
IMPORTANT NOTE: Liability coverage meets Alaska’s laws but doesn’t fully protect you or your vehicle.
Additional coverage like UM/UIM, collision, and comprehensive is recommended.
¹Coverage may be required by your lender if you lease or finance your vehicle.
Additional Coverage Options
Optional coverages for Alaska drivers include:
- Roadside Assistance*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Alaska Proof of Financial Responsibility and Penalties
What if I don't meet Alaska’s minimum car insurance requirements?
Driving without insurance in Alaska can result in fines and license suspension. The penalties vary depending on the violation but can be severe, so it’s crucial to maintain continuous coverage.
Penalties for Driving with a Suspended License in Alaska
Driving without a valid license in Alaska can lead to a Class A misdemeanor, potential community service, jail time, vehicle forfeiture, and extended license suspension. The exact penalties depend on the offense and your circumstances.
SR-22 Insurance in Alaska
High-risk drivers may be required to file an SR-22 (certificate of financial responsibility) to prove they have proper coverage. This may be necessary if you’ve had serious driving violations, failed to maintain liability coverage, or were convicted of a DUI/DWI. EagleWay Auto Insurance can help you file an SR-22 and maintain compliance with Alaska law.
High-Risk Auto Insurance in Alaska
Drivers with violations or a poor driving record are considered high-risk. Many insurers won’t cover these drivers, but non-standard insurance from EagleWay Auto Insurance provides protection even for high-risk drivers. Your past doesn’t define your future—EagleWay helps you get quality, affordable coverage regardless of your record.
Where can I find the cheapest car insurance rates in Alaska?
Rates depend on several factors, including:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much and where you drive
- Your demographics
- Your driving record
- Your credit history
EagleWay Auto Insurance helps Alaska drivers find affordable coverage, including non-standard coverage for high-risk drivers. Get a free quote and work with an EagleWay agent to create a plan that meets Alaska’s requirements and fits your needs.