If you live in Alaska, you may be wondering about the guidelines for auto insurance. Alaska law necessitates that drivers must have an auto insurance liability policy of at least the mandatory minimum limits. The bare minimum limits are 50/100/25. This means $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 per accident for damage to another’s property. This coverage is higher than required coverage in other states. Motorists are always encouraged to carry more than the bare minimum amount of coverage.

In the state of Alaska, if you are stopped by a police officer you must show your insurance identification card. This card proves to the officer that your car is insured. Your auto insurance company has to give you an identification card when your insurance is issued or renewed. The insurance identification card will contain the insurance companies name, the policy’s effective dates, and the policy number. It will also state a description of the insured car and the name of the insured driver. If you do not have your insurance identification card on you and you are pulled over by law enforcement, it is considered a traffic infraction in the state of Alaska. You will be given a fine and it may go on your driving record. You will receive a fine if your insurance card is not current. It is best to keep your insurance card on you at all times.

Your insurance policy must provide coverage for the use of a rental vehicle. If your policy does not carry collision and comprehensive coverage for a rental car, you must be able to obtain coverage for physical damage to a rental vehicle.

In 2006, the average auto insurance premium in Alaska was $955. This is the eleventh most expensive in the country. The national average was $817.

Alaska’s coverage may be higher due to the conditions of Alaska roadways. The environment conditions are different from any other U.S. state. The tremendous climate conditions can greatly impact your vehicle and cause hazardous driving conditions. The treacherous weather puts drivers at a greater risk to be involved in an accident.