Driving Without Insurance in Alaska

Failing to carry the required insurance may result in suspension of a driver's license, and in the Municipality of Anchorage a vehicle may be impounded for lack of proof of insurance. Failing to show proof of insurance when required is an infraction with a mandatory $500 fine (the charge is not a conviction if valid proof that was in effect is later produced in court or at the officer's office). If a driver involved in a qualifying crash cannot prove insurance, the DMV suspends the license for at least 90 days, or at least one year if there was a prior insurance suspension within 10 years; limited work or medical privileges may be available after filing proof of future financial responsibility.

Drivers must have proof of liability insurance in their immediate possession at all times when driving and show it on demand of a peace officer. Proof can be a copy of the policy or self-insurance certificate, a printed card or electronic certification from the insurer or agent, or a display on a mobile electronic device; showing it on a phone does not consent to a search of the phone's other contents. A driver involved in a crash causing injury, death or more than $501 in property damage must prove insurance to the DMV within 15 days.

A person whose license is suspended for failing to prove insurance after a crash must file proof of financial responsibility for the future (an SR-22, obtained from an insurer and filed with the DMV) before full or limited driving privileges are restored, and must keep that filing for three years after the suspension ends. Reinstatement fees must also be paid.