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
  • 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