State of Alaska

Department of Administration

Division Of Motor Vehicles

Alaska Department of Administration, Divison of Motor Vehicles
Administration >  Motor Vehicles >  Mandatory Insurance                                             
 

     

Mandatory Insurance

The Mandatory Insurance Statutes require that the owner of a motor vehicle subject to registration have a liability insurance policy in effect that complies with AS 28.22.101. The minimum amounts for this policy are $50,000/$100,000 for bodily injury or death and $25,000 for property damage. Failure to have the proper insurance may result in a suspension of a driver's license.   Insurance is not required in areas where registration is not required. The list of these locations is shown below. EXCEPTION:  A driver that has received a ticket for a violation of 6 points or more within the last 5 years must have liability insurance.

Proof of motor vehicle liability insurance must be in the person's possession at all times when driving a motor vehicle, and they must present the proof for inspection upon demand of a peace officer or other authorized representative of the Department of Public Safety. Your vehicle may be impounded in the Municipality of Anchorage if you do not have proof of insurance.  In this case, you would need to contact the Anchorage Police Department for procedures on obtaining your vehicle.

As required by AS 28.22.011(1)(A) & (B), the following areas are exempt from registration and the Mandatory Insurance law. Compiled by the Department of Administration, Division of Motor Vehicles, from information obtained from the Department of Transportation.

Adak Edna Bay Lake Minchumina Port Bailey
Afognak Eek Larsen Bay Port Clarence
Akhiok Egavik Latouche Port Graham
Akiachak Egegik Levelock Port Heiden
Akiak Ekuk Lime Village Port Lions
Akolmiut (Nunapitchuk) Ekwok Little Diomede Port Moller
Akulurak Elfin Cove Long Port Oceanic
Akutan Elim Loring Port San Juan
Alakanuk Ellamar Lower Kalskag Port Wakefield
Alatna Emmonak Port Walter
Allakaket English Bay Manokotak Port Williams
Amakdedori Evansville Marshall Portlock
Ambler Excursion Inlet  Mary’s Igloo Pribilof Islands
Amchitka McGrath
Amook Falls Bay Medfra Quinhagak
Anaktuvuk Pass False Pass Mekoryuk
Andreafski Fire Cove Mentasta Lake Railroad City
Aniak Flat Meshik Rampart
Annette Island Fort Yukon  Metlakatla Red Devil
Anvik Fortuna Ledge Meyers Chuck Ruby
Arctic Village Moses Point Russian Mission
Atka Galena Mountain Village
Atmautluak Gambell Mumtrak St. George Island
Atqasuk Golovin St. Lawrence Island
Attu Goodnews Bay Nanwalek St. Mary’s
Grayling Napaimiut St. Michael
Baranof Gustavus Napakiak St. Paul Island
Bartlett Cove Napamute Sanak
Beaver Hawk Inlet  Napaskiak Sand Point
Bell Island Hawkins Island Nashagak Savoonga
Belkofski Haycock Naukati Bay Scammon Bay
Belmezok Hinchinbrook Island Nelson Lagoon Seal Bay
Bettles Hobart Bay New Stuyahok Selawik
Bettles Field Hogatza Newhalen Shageluk
Biorka Holy Cross Newtok Shaktoolik
Birch Creek Hooper Bay Nightmute Sheldon Point
Border Hughes Nikolai Shemya
Brevig Mission Huslia Nikolski Shishmaref
Buckland Noatak Shungnak
Iditarod Nolan Skwentna
Candle Igiugig Nondalton Sleetmute
Canyon Igushik Noorvik Snettisham
Cape Lisburne Iliamna Nuiqsut South Naknek
Cape Newenham Inalik Nulato Squaw Harbor
Cape Pole  Ivanof Bay  Nunachuak Stebbins
Cape Yakataga Ivanoff Bay Nunam Iqua Stevens Village
Chalkyitsik Nunapitchuk Stony River
Chandalar Kachemak Nushagak
Chaniliut Kaguyak Nyac Takotna
Chakaktolik Kakhonak Taku Harbor
Chase Kaktovik Old Harbor Tanana
Chatham Kalskag Olga Bay Tanunak
Chenega Kaltag Ophir Tatitlek
Chenega Bay Kanatak Orca Tatlina
Chenik Kantishna Oscarville Tenakee Springs
Chefornak Karluk Ouzinkie Tetlin
Chernofski Kashegelok Tin City
Chevak Kasigluk Pauloff Harbor Todd
Chichagof Island Katalla Pavlof Harbor Togiak
Chignik Kiana Peak Island Tokeen
Chignik Lagoon King Cove Pedro Bay Toksook Bay
Chignik Lake  King Island Pelican Tuluksak
Chisana Kipnuk Pennock Island Tuntutuliak
Christian Kivalina Perry Island Tununak
Chuathbaluk Kiwalik Perryville Twin Hills
Clark's Point Kobuk Pikmiktalik Tyonek
Cold Bay Kokhanok Pile Bay
Crevice Creek Kokrines Pilot Point Ugashik
Crooked Creek Koliganek Pilot Station Umiat
Cube Cove Kongiganak Pitka’s Point Umnak
Kotlik Platinum Unalakleet
Deering Koyuk Point Baker
Diomede Koyukuk Point Chatham Venetie
Dolomi Kvichak Point Hope
Dora Bay Kwethluk Point Lay Wainwright
Kwigillingok Point Nowell Wales
Kwiguk Poorman White Mountain
Kwinhagak Port Alexander Wiseman
Port Alsworth Woody Island
Port Ashton
Yes Bay

REV. 3/3/11