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Alaska Minimum Car Insurance (50/100/25)

Use the calculator to see how Alaska's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Alaska requires $50,000 bodily injury per person / $100,000 bodily injury per accident / $25,000 property damage. This page prefills the calculator for Alaska and cites the official source.

Reviewed November 7, 2026

What Alaska requires

Alaska requires motor vehicle liability insurance that meets AS 28.22.101. The official Alaska DMV Mandatory Insurance page states the minimum amounts as $50,000/$100,000 for bodily injury or death and $25,000 for property damage. AS 28.22.101(d) sets those same figures, and subsection (e) requires uninsured/underinsured motorist coverage in the same amounts. Some remote areas where registration is not required are exempt from the mandatory-insurance rule.

AS 28.22.101(e) requires uninsured/underinsured motorist coverage in the same dollar amounts as the liability limits in (d). AS 28.22.101(e) pairs UIM with UM at the same statutory dollar amounts as liability.

A common way to write split limits is 50/100/25. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

Alaska DMV, Mandatory Insurance, and AS 28.22.101. Alaska DMV Mandatory Insurance page (opened 2026-11-07): $50,000/$100,000 BI and $25,000 PD, citing AS 28.22.101. Cross-checked against AS 28.22.101(d) text published in the 2025 compiled edition.

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in Alaska, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in Alaska?

The primary source cited on this page states that Alaska requires $50,000 bodily injury per person / $100,000 bodily injury per accident / $25,000 property damage. In addition, AS 28.22.101(e) requires uninsured/underinsured motorist coverage in the same dollar amounts as the liability limits in (d).; AS 28.22.101(e) pairs UIM with UM at the same statutory dollar amounts as liability.. Always read the official source because statutes and department guidance can change.

Does Alaska's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts Alaska's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in Alaska?

AS 28.22.101(e) requires uninsured/underinsured motorist coverage in the same dollar amounts as the liability limits in (d). AS 28.22.101(e) pairs UIM with UM at the same statutory dollar amounts as liability.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This Alaska page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.