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Alaska Motorcycle Insurance Requirements

Alaska Motorcycle Insurance Requirements

Alaska is positioned in the northwest boundary of the United States and North America. The name “Alaska” was originally given to the state during the Russian colonial period when it was used to refer to the peninsula. The Aleut words “alaxsxaq” and “Alyeska” were origins for the name of Alaska and translate to “the mainland” and “great land.” By area, Alaska is the largest state in the United States. However, it is the least densely populated state and fourth least populous. Jobs across Alaska mostly are related to: oil, natural gas, fishing, tourism, and other natural resources.

If you are a resident of Alaska and own a motorcycle, you must purchase insurance before driving it. Each state has different minimum requirements that must be met before you legally operate your motorcycle. Once you are aware of the legal minimum insurance requirements for your motorcycle, you will know what type of policy to purchase. It will then be up to you to decide whether you are comfortable with the minimum required coverage or if you’d like to have extra protection. It should be noted that there are various regions within the state of Alaska that do not require registration or insurance coverage.

Alaska Motorcycle Insurance Requirements

If you own a motorcycle in the state of Alaska and are looking to operate it legally, you must obtain some sort of insurance.  Should you ever get into an accident with another person, damage another individuals property, or injure yourself while driving your bike, you will need insurance coverage.  Below you can read about how to establish financial responsibility and read about the minimum coverage requirement specifics.

How to Establish Financial Responsibility in Alaska

Before you take your motorcycle on the roads, you need to establish some sort of financial responsibility. This is required so that in the event you would get into an accident, damages that you may cause will be covered.
You have a few options to demonstrate that you are financially responsible:

  1. Buy Insurance – This is the most common way to take care of the financial responsibility requirement. Look for an insurance company, buy a policy that meets requirements, and you’re done.
  2. Self-Insure – You are allowed to “self insure” if you’d like. This means that you set up your own insurance policy and have plenty of extra money to cover any accidents you may get into.
  3. Post a Bond with the DMV – If you’d like to post a bond for a specific amount of money to account for any potential damages, you have this option. It is recommended to contact your local DMV if you are considering this option.

Motorcycles / Two-Wheeled Vehicles Defined

Alaska requires that motorcycles and all motor-driven cycles meet necessary criteria to be driven. The definition of a motorcycle in this state is:  a vehicle that has a seat or saddle for the use of the rider that is designed to travel on not more than three wheels in contact with the ground.  Note: This does NOT include tractors.

Examples of vehicles requiring insurance:

  • 3-Wheeled Motorcycle that’s NOT an ATV or Tractor
  • Motorcycles (greater than 50 cc engine)
  • Mopeds (motorized bikes)
  • Motorized scooters (e.g. Vespa)

Note: If you own a two-wheeled vehicle or three-wheeled motorcycle that is NOT classified as an ATV or tractor, you must have it registered and insured. The only exception is if you live in an area in which you are exempt.

Alaska Motorcycle Insurance Minimum Requirements

  • $50,000 bodily injury per person

  • $100,000 bodily injury for a single accident

  • $25,000 property damage liability

This is sometimes abbreviated as a 50/100/25 policy. Each number is listed in short and stands for the amount (in thousands of dollars) that is required for each specific coverage. It should be noted that the minimum insurance requirements for motorcycles in Alaska are the exact same as the requirements for automobiles in this state.

Keep in mind that these are the bare minimums and that you may want to buy more than a bare bones policy to feel comfortable and secure on your bike. In Alaska there aren’t very many people that own and operate motorcycles – therefore there aren’t many insurers. Certain insurers may require you to first insure your automobile before you can get your bike covered too.

Helmet Requirements

In the state of Alaska, not everyone is required to wear a helmet while operating their motorcycle. However there are many groups of individuals that must wear a helmet. If you meet any of the criteria below, you are required to wear a helmet.

  • Anyone under 18 years of age
  • Passengers (of any age)
  • Taking a road test (any age)
  • You only have an instruction permit (any age)

Proof of Insurance

In order to legally ride your motorcycle, you must always carry your proof of insurance card. This card contains information about your policy and insurance company to help in the event that you would ever get into an accident. It is required that you have this insurance information with you whenever you are operating your bike.

This insurance card must be presented in the event(s):

  1. A peace officer requests to see proof of insurance during a traffic stop.
  2. You’re in an accident that causes over $501 worth of damage. (In other words you’re involved in a moderate to severe accident – not a little bump).

Penalty for Lack of Insurance

Should you ever be caught without your insurance card in the state of Alaska, you could face some severe penalties. The most common penalties that you’ll face for not having adequate insurance or being able to demonstrate proof of coverage include:

  • Fines – You may have to pay hundreds of dollars worth of fines before you can drive again.
  • Suspension of License – Length of license suspension will vary depending on past violations.
  • SR-22 Form – Need to be filled out in the event you get into an accident without insurance.

It is always better to make sure that you have purchased insurance and have proof with you than it is to deal with these penalties. It’s not worth a suspended license because you were too lazy to get an insurance card or didn’t want to purchase a policy.

Should you ever get into an accident without having adequate insurance coverage, you may have to file a specific form through the DMV called “SR-22.” This is a form that must be submitted to the DMV and approved for your driving privileges to be reinstated following a license suspension. The DMV may keep a strict eye on your insurance for the future to make sure you are making payments and staying up to date with required coverage.

Alaska Motorcycle Insurance Companies

It can be somewhat tough to find a good motorcycle insurer in the state of Alaska. As was already mentioned, not many people in this area ride motorcycles – so finding a quality provider may be a little more difficult than in other states. In order to find the best policy in your specific location, it is recommended that you do some comparison research.

Use the form below by typing in your Zip Code and clicking “Start!” This tool is free and will generate a list of the insurance providers offering the best policies and deals in the state of Alaska. These providers will be familiar with the minimum requirements and will help you decide whether getting extra coverage would be a smart idea.

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