Alaska Teen Driver Insurance: Parents & New Drivers
Alaska requires 50/100/25 liability coverage and is an at-fault state.
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Alaska at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
14
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Teen drivers progress through a graduated licensing system: learner's permit at 14, intermediate license at 16 with passenger and nighttime restrictions, and unrestricted license at 18. Alaska Statute 21.89.020 mandates that all insurers offer a good student discount to drivers under 25 who maintain a B average or equivalent, making it one of the few legally required teen discounts in the country.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$311/mo
Typical monthly rate in Alaska, adding a driver aged 16–19 to a parent's policy
Rate data: ValuePenguin, 2025
What Affects Your Rate
- Parents must provide report cards or transcripts annually to maintain eligibility.
- The discount typically applies for three years after course completion and is stackable with the good student discount.
- These programs are particularly effective for parents concerned about winter driving and speeding on rural highways.
- Insurers rate based on the vehicle's value, repair costs, and safety features.
- Where your teen parks the vehicle overnight directly affects your rate.
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
1am-5am
Passengers
no passengers younger than 21 for first 6 months
Source: IIHS and state DMV records, verified July 2026
Coverage Types
State Minimum Liability Only
Meets Alaska's legal requirements but provides minimal protection. Covers only $50,000 per person injured in an accident your teen causes.
Increased Liability ($100k/$300k/$100k)
Doubles bodily injury limits and quadruples property damage coverage compared to state minimums. The most common recommendation for households with teen drivers.
Liability + Comprehensive (No Collision)
Protects against animal strikes, theft, and weather damage without paying for collision coverage. A common choice for teens driving older vehicles worth less than $5,000.
Full Coverage (Liability + Collision + Comprehensive)
Complete protection: liability for damage to others, collision for at-fault accidents, and comprehensive for non-collision events. Required if the teen's vehicle is financed or leased.
Uninsured/Underinsured Motorist
Covers your family's medical bills and vehicle damage if your teen is hit by a driver with no insurance or insufficient coverage. Optional in Alaska but strongly recommended.
Higher Deductibles to Reduce Premium
Choosing a $1,000 deductible instead of $500 can reduce your teen driver premium by 15–25%. The tradeoff: you pay more out-of-pocket if the teen has an at-fault accident.