Alaska Auto Insurance

Alaska uses a Tort insurance system – if you are found at fault in an accident, you have to pay for the medical bills of all parties involved, as well as reimburse everyone for their property damage or losses.

Minimum Liability requirements

Alaska has some of the highest Liability requirements in the United States. The minimum insurance should be of 50/100/25:

• $50,000 in Personal Injury per passenger, but not more than $100,000 for the whole accident; and
• $25,000 in Property Damage.

Average Liability premiums

The mean Liability policy in Alaska in 2011 was of $1,488.29, which is somewhat lower than the national average of $1,677.98. The insurance in some noteworthy cities is of $2,095 in Anchorage, $1,716 in Sitka, $1,478 in Ketchikan, $1,946 in Fairbanks and $1,452 in Juneau.

Cellphone regulations

Alaska is one of the twenty-five states that have taken stance against texting while driving. Text messaging is prohibited for all categories of drivers, and getting caught doing it can result in harsh fines. There is no ban on the use of cellphone devices altogether though, but the known recommendations are on – use a hands-free device!

Teenage driving regulations

Teenagers in Alaska may get a learner’s permit once they turn 14. Known Graduated Driver License restrictions apply:

• Kids may not drive between 1am and 5am, except on their way to/from school or work or on emergencies;
• They may not have any passengers under 21 in the car, unless accompanied by a parent or legal guardian. Siblings are an exception to the rule;
• A teenager with a learner’s license who gets more than six points in one year must complete a defensive driver course.

Driving without insurance in Alaska

Upon the first offense, your driver’s license will be suspended for 90 days. Second-time offenders risk losing their license for one year.