Alaska Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amounts of liability coverage required by the state of Alaska are $50,000/$100,000 for injury/death and $25,000 for property damage. Commonly referred to as 50/100/25 coverage.

In Alaska their are many areas that are exempt from mandatory insurance laws. A listing of those areas can be found: Here.

EXCEPTION: A driver with a 6 point traffic violation within the last 5 years MUST HAVE liability insurance regardless of the area law in Alaska.

You are required to carry proof of insurance in your vehicle. In the Municipality of Anchorage your vehicle may be impounded if you can not present proof of insurance. In the event your vehicle has been impounded, you must contact the Anchorage Police Department for instructions on retrieving your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, a traffic conviction loses its‘ point value for suspension purposes, however it will stay on your permanent driving record and may effect your insurance rates.

The point values for related infractions are listed below:


  • In a school zone or playground crosswalk – 6 points
  • 3-9 mph over speed limit – 2 points
  • 10-19 mph over speed limit – 4 points
  • 20 mph or more over speed limit: – 6 points
  • Additional Violations/Infractions

  • Driving on suspended or revoked license – 10 points
  • Driving while intoxicated/under the influence – 10 points
  • Reckless driving – 10 points
  • Fleeing or attempting to elude a police officer – 10 points
  • Speed contest/racing – 10 points
  • Negligent homicide with a motor vehicle – 10 points
  • Manslaughter with a motor vehicle – 10 points
  • Assault with a motor vehicle – 10 points
  • Leaving the scene of an accident – 9 points
  • Negligent driving – 6 points
  • Failure to yield to authorized emergency vehicle – 6 points
  • Failure to stop for school bus loading/unloading – 6 points
  • Failure to obey traffic control devices in school zone, playgrounds or park – 6 points
  • Careless driving – 4 points
  • Following too close – 4 points
  • Failure to stop or yield – 4 points
  • All other moving violations – 2 points
Suspension periods are determined on a per case basis. For point based suspension, a driver must accrue
12 or more points in a 12 month period OR
18 or more points in a 24 month period

The state of Alaska does not allow drivers on a point revocation to apply for a hardship license. The revocation period determined by the courts is final and must be served in full before any reinstating process can begin.

In the state of Alaska reckless driving is a criminal offense. It can result in jail time, as well as immediate revocation/suspension of the driver’s license.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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