Insurance in Alaska: State Rules and Requirements

Car insurance in Alaska (50/100/25)

Minimum car insuranceAlaska requires at least $50,000 bodily injury liability per person, $100,000 per accident and $25,000 property damage liability. PIP is not required. Insurers must offer uninsured/underinsured motorist coverage in writing; if you don't sign a rejection or a selection, the policy is issued with UM/UIM limits equal to your liability limits. Source
Fault systemAlaska is an at-fault (tort) state with no no-fault law, so the at-fault driver's liability coverage pays for the damage they cause. Source

Business insurance rules in Alaska

Workers’ compensationEvery Alaska employer with one or more employees must carry workers' comp unless the Workers' Compensation Board has approved it to self-insure. There is no exemption based on the number of employees or hours worked, no opt-out, and no exemption for family or friends working for a for-profit business. Out-of-state employers with workers in Alaska must also cover them. Source
Contractor licensingConstruction contractors register with the Alaska Division of Corporations, Business and Professional Licensing. They must file a surety bond: $25,000 for general contractors, $20,000 for general contractors with a residential endorsement, $10,000 for mechanical or specialty contractors and $5,000 for handymen on jobs of $10,000 or less. They must also show liability insurance of at least $50,000 per person, $100,000 per accident and $20,000 for property damage, and contractors with employees need workers' comp. Source

Disasters, floods, hail, tornadoes and earthquakes in Alaska

Alaska disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Alaska	Rank among the states	Detail
Federal major disaster declarations since 2000	46	#7 (tied) of 51	Most often for severe storm (23), flood (12), mud/landslide (5). Lower Kuskokwim Regional Educational Attendance Area has been in 15 of them.
National Flood Insurance Program claims, 2005–2025	453	#47 of 51	$13.3 million paid; 37% of claims with a known flood zone were outside FEMA’s high-risk zones.
Hail reports, 2016–2025	5	#50 of 51	0 of them 2 inches or larger. Largest stone 1 inches, Kuskokwim Delta County, June 2018.
Tornadoes, 2016–2025	1	#50 of 51	0 rated EF2 or stronger; 5 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	8,331	#1 of 51	Largest: magnitude 8.2, 2021 Chignik, Alaska Earthquake, July 29, 2021.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Alaska.

Worth knowing in Alaska

Alaska does not require auto insurance in remote areas where vehicle registration is not required. A driver with a ticket for a violation of 6 or more points in the last 5 years must still carry liability insurance there.

Alaska’s insurance regulator

Insurance in Alaska is regulated by the Alaska Division of Insurance, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a nonresident insurance producer license in Alaska (NPN 21022298), so requests from Alaska are handled by him directly.

Common questions

What is the minimum car insurance in Alaska?

Alaska requires at least $50,000 bodily injury liability per person, $100,000 per accident and $25,000 property damage liability. PIP is not required. Insurers must offer uninsured/underinsured motorist coverage in writing; if you don't sign a rejection or a selection, the policy is issued with UM/UIM limits equal to your liability limits.

Is Alaska a no-fault state?

Alaska is an at-fault (tort) state with no no-fault law, so the at-fault driver's liability coverage pays for the damage they cause.

Do employers in Alaska need workers’ comp?

Every Alaska employer with one or more employees must carry workers' comp unless the Workers' Compensation Board has approved it to self-insure. There is no exemption based on the number of employees or hours worked, no opt-out, and no exemption for family or friends working for a for-profit business. Out-of-state employers with workers in Alaska must also cover them.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Alaska