Car insurance in Alaska varies widely by where you drive. Only a fraction of Alaska is accessible by road. A "highway" can be six lanes through Anchorage or it can be a gravel path in Nome. Your car insurance needs will be very different in either place. Use our map to find out the average state car insurance rates for nearly every city and village in Alaska.
Alaska Car Insurance Requirements
Average Car Insurance Rates in Alaska
Car Insurance Companies in Alaska
Alaska car insurance requirements | |
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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 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 $25,000 in property damage liability coverage.
For drivers who don't own a home or have substantial savings to protect, that could be plenty of coverage.
Another point that makes Alaska special: It doesn't require insurance coverage in every corner of the state. Many villages and hamlets don't require registration or insurance. The Alaska DMV publishes an annual list of areas without insurance requirements -- but be warned, it changes: For instance, Alaska decided that in 2012, vehicles, snowmachines and ATVs driven on Kotzebue's public roads must now be insured.
Rank | Company / Group | Direct Premiums Written ($) | Market Share (%) |
1 | State Farm Group | 120,557 | 27.38 |
2 | Berkshire Hathaway Insurance | 76,982 | 17.48 |
3 | USAA Group | 74,439 | 16.91 |
4 | Allstate Insurance Group | 64,778 | 14.71 |
5 | Progressive Insurance Group | 46,050 | 10.46 |
6 | Liberty Mutual Insurance Companies | 14,900 | 3.38 |
7 | Hartford Insurance Group | 12,791 | 2.91 |
8 | COUNTRY Financial PC Group | 12,300 | 2.79 |
9 | Farmers Insurance Group | 7,283 | 1.65 |
10 | Horace Mann Insurance Group | 6,750 | 1.53 |
Source: A.M. Best market share rankings are based on direct premiums written in 2013. |