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 Alaska Statute 28.22.101.

The minimum amounts for this policy are:

  • $50,000/$100,000 for bodily injury or death
  • $25,000 for property damage

Consequences

Failure to have the proper insurance may result in a suspension of a driver's license.

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.

Exceptions

Insurance is not required in areas where registration is not required. However, a driver that has received a ticket for a violation of 6 points or more within the last 5 years must have liability insurance.

As required by Alaska Statute  28.22.011 (1)(A)&(B), the following areas are exempt from registration and the Mandatory Insurance law:

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