Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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While operating a motor vehicle can be dangerous anywhere, this is especially true in areas where the weather is severe. Alaskan roads are often covered in ice and snow and can be treacherous for even experienced drivers. Understanding how much Alaska car insurance is required is not only a legal requirement but also a responsible approach to driving in this state.

The Alaska Division of Insurance requires that drivers at least carry liability insurance when operating a vehicle. The minimum amounts for insurance in the largest state in America is $50,000/$100,000 for bodily injury or death and at least $25,000 for property damage costs. However, Alaska is unique with their car insurance laws as auto insurance is only required in areas of the state that car registration is legally necessary.

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There are some other driving tips for those with the courage to brave Alaskan roadways. The first bit of advice is to slow down and keep space between the car in front of you. Alaska is not the place to be driving over the speed limit or too follow another car too closely. Great car insurance can help if there is a car accident, but avoiding serious injuries or even death requires cautious driving.

Being safe is only one of many ways to drive safely in Alaska. Drivers should also practice defensive driving skills such as learning the proper way to slide, learning how to turn into a slide, and to let off the gas if a car goes into a spin. Practicing these skills in empty parking lots is a great way to prepare in case a driver loses control in icy weather.

While driving distractions like eating, texting, alcohol or drugs, and cell phones are unsafe anywhere, these types of distractions can easily be deadly in severe Alaskan weather. Experts suggest that drives not purchase white or gray cars in this state as they cannot be seen easily in the snow and visibility may be an issue.

Alaskan drivers should also keep their cars in good shape and regularly tuned. The tires should be good quality with great traction. The cars should be stocked with emergency supplies and a first aid kit. Getting stranded in Alaska weather is hazardous, drivers should consider extra blankets, food, water, flares, and warm clothing at the bare minimum.

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Car Insurance

An excellent Alaska car insurance policy is a must but it is not the only way to keep safe while driving. Following traffic laws, being cautious, being prepared, and learning how to drive defensively are all essential for safe driving in this snowy northern state.