{"id":5866,"date":"2018-04-02T19:23:21","date_gmt":"2018-04-02T19:23:21","guid":{"rendered":"http:\/\/www.etags.com\/blog\/?page_id=5866"},"modified":"2018-04-02T19:23:21","modified_gmt":"2018-04-02T19:23:21","slug":"alaska","status":"publish","type":"page","link":"https:\/\/www.etags.com\/blog\/auto-insurance\/alaska\/","title":{"rendered":"Alaska Car Insurance Requirements"},"content":{"rendered":"<p>The state of Alaska requires motorists to have auto insurance. The penalty for not having adequate insurance may be a suspension of driver\u2019s license.This guarantees protection for victims of collisions and their property.<\/p>\n<h2>Alaska Auto Insurance Minimums<\/h2>\n<p>To comply with Alaska insurance laws, your liability insurance must meet the following minimums:<\/p>\n<ul>\n<li>$50,000 for bodily injury or death per person<\/li>\n<li>$100,000 for total bodily injury when multiple people are hurt<\/li>\n<li>$25,000 for property damage<\/li>\n<\/ul>\n<h2>Alaska Insurance Exemptions<\/h2>\n<p>Drivers living in areas that do not require car registration also do not face the insurance requirement. \u00a0Check your local laws to see if you meet this exemption.<\/p>\n<h2>Alaska Automobile Insurance Plan<\/h2>\n<p>Alaska offers the Alaska Automobile Insurance Plan (AAIP) for drivers who do not qualify for traditional insurance on the marketplace. \u00a0This plan is for high-risk drivers. The risk for these drivers is shared across all insurance carriers, and thus, the plan is more expensive than a standard plan. It is considered a last resort rather than a way to avoid paying for traditional insurance.<\/p>\n<h2>Optional Alaska Auto Insurance<\/h2>\n<p>Many Alaska drivers choose to buy coverage exceeding the minimums. \u00a0This proves as a true safeguard in the event of a costly calamity. Here are some options for Alaska drivers:<\/p>\n<ul>\n<li>Collision \u2013 For accident-related damages to your car<\/li>\n<li>Comprehensive \u2013 For any damages to your car that are out of your control, such as weather-related damages<\/li>\n<li>Uninsured\/Underinsured drivers \u2013 For damage to a vehicle in the event of a collision with an uninsured driver. Insurance against these illegal drivers covers all applicable damages.<\/li>\n<\/ul>\n<h2>Alaska Proof of Insurance <\/h2>\n<p>The state of Alaska requires drivers to be able to present proof of insurance at all times. \u00a0Insurance companies issue small ID cards for their customers.<\/p>\n<h2>Alaska Insurance Premium Factors<\/h2>\n<p>To determine your insurance premiums, insurance companies will look at the following factors:<\/p>\n<ul>\n<li>Driving record \u2013 this will have the largest impact on your premium<\/li>\n<li>Your age, marital status, and gender<\/li>\n<li>You car\u2019s year, make, and model<\/li>\n<li>Your credit history<\/li>\n<\/ul>\n<h3>Reporting Fraud<\/h3>\n<p>One factor that raises insurance rates for all drivers is insurance fraud. \u00a0The losses taken by companies due to this crime are then passed on to the consumer. Citizens may report auto insurance fraud by calling (907) 269-7900. Auto insurance fraud can include:<\/p>\n<ul>\n<li> Arranging fraudulent car theft and issuing a false claim<\/li>\n<li>Arranging phony auto collisions<\/li>\n<li> Falsifying bodily or property damages<\/li>\n<\/ul>\n<h3>Most Stolen Cars in Alaska<\/h3>\n<p>Your premiums will be affected if your car is commonly targeted by car thieves. The following makes and models are more likely to be targeted in Alaska: <\/p>\n<ol>\n<li>Chevrolet Pickup (Full Size)<\/li>\n<li>Ford Pickup (Full Size)<\/li>\n<li>Dodge Pickup (Full Size)<\/li>\n<li>Honda Accord<\/li>\n<li>Ford Explorer<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>The state of Alaska requires motorists to have auto insurance. The penalty for not having adequate insurance may be a suspension of driver\u2019s license.This guarantees protection for victims of collisions&hellip;<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":5476,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5866","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Alaska Car Insurance Requirements<\/title>\n<meta name=\"description\" content=\"What are the car insurance requirements in Alaska? Our AK auto insurance guide looks at all your questions surrounding car insurance in the state of Alaska.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etags.com\/blog\/auto-insurance\/alaska\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alaska Car Insurance Requirements\" \/>\n<meta property=\"og:description\" content=\"What are the car insurance requirements in Alaska? 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