Alaska Motorcycle Insurance

Why Get Motorcycle Insurance in Alaska
Alaska is a beautiful place to live. But there are additional risks to motorists not found in other states such as vast amounts of wilderness and weather unpredictability. In addition, motorcycle thefts are a major problem in Alaska. An Alaska motorcycle insurance policy will pay for any property damage and resulting medical expenses if you are ever involved in an accident. For this reason and many more, it is very important to have adequate Alaska motorcycle insurance.

Motorcycle Riding in Alaska
In Alaska, any motor vehicle with a seat or saddle and no more than three wheels that touch the ground is defined as a motorcycle. Vehicles that are similar to motorcycles but with 50 cc or less displacement such as all-terrain vehicles, tractors and motor-driven cycles, are excluded. A class M license is required to be able to drive a motorcycle legally in Alaska. An individual who is 16 years of age or older and has held a valid driving permit for at least six months is qualified to get a motorcycle license. The requirements to apply for a Motorcycle License in Alaska include:

  • Parents’ consent (if less than18 years old)
  • Valid identification
  • Written motorcycle knowledge and road test (alternatively show Motorcycle Safety Foundation cards to prove completion of a Motorcycle Rider Course)
  • Vision Screening Test
  • Fees

Minimum Insurance Requirements in Alaska
The State of Alaska mandates that all motorcycle owners have some type of liability insurance with minimum coverage that includes:

  • $50,000 for bodily injury of one person
  • $100,000 for bodily injury of all injured parties
  • $25,000 for property damage in one accident

Although not a requirement, the state of Alaska recommends that all motorcyclists obtain uninsured/underinsured coverage in the same amount as bodily injury coverage. If you are ever involved in an accident with an uninsured motorist, this additional coverage will protect you from financial loss. Drivers MUST carry proof of insurance in their vehicles at all times.Obtaining insurance can be done in any one of the following ways:

  • Post Bond with the Department of Motor Vehicles (DMV)
  • Self-Insure
  • Buy insurance