Does Alaska set its own trucking insurance minimums?

Yes. Alaska publishes its own financial-responsibility rules for intrastate carriers, and they are not a copy of the federal levels. Each figure the state publishes renders in the tables here with the official source beside it.

Do federal insurance minimums still apply to an Alaska carrier?

Interstate operations file proof of coverage with FMCSA under 49 CFR Part 387 no matter which state the carrier is based in. The state rules on this page govern intrastate-only operations; the federal table shows the levels an interstate filing must meet.

What insurance does a new Alaska carrier line up first?

Primary liability comes first: the state and federal filings both ride on an active liability policy. Cargo coverage follows where the state or your shippers require it, and physical damage on the truck is a lender requirement rather than a state rule.

Where do these figures come from?

Every dollar amount renders from the state agency publication or statute cited beside it, or from the federal regulation for the contrast table. When an agency publishes no figure, the field reads "Not confirmed" with a note on what the agency does say.

Alaska Trucking Insurance Requirements (2026)

By Haul Handbook editorial team· Updated Oct 4, 2026

What Alaska requires

These are the state-level rules attached to Alaska intrastate operating authority. A field reading "Not confirmed" means the agency publishes no figure; the note explains what the agency does say.

Liability minimum: Null by design: Alaska states its intrastate minimum as split limits, not one figure. 17 AAC 25.210(b)(1) rewrites the lead-in of 49 CFR 387.9 so that carriers operating only in Alaska in intrastate commerce meet the minimums in AS 19.10.300 instead of the federal table, which are $200,000 for property damage in a single occurrence and $500,000 for bodily injury or death in a single occurrence. The exception is a carrier described in item (2) of the federal schedule (bulk hazardous substances and the other listed high-hazard loads), which must meet the federal $5,000,000.
Cargo minimum: AS 19.10.300(a) sets property damage and bodily injury minimums only; no cargo figure appears in the statute or in 17 AAC 25.210.
Differs from federal: Yes

Minimum liability by operation type

General freight is not the floor for every carrier; buy against the row that matches what you haul.

Alaska minimum liability coverage by operation type
Operation type	Minimum liability
Intrastate carrier of passengers or freight for hire in a commercial motor vehicle (over 26,000 lb GVWR or GCWR, or more than 15 passengers), freight carried for commercial purposes, or a vehicle rented or leased to another to carry freight: property damage per occurrence	$200,000
Same classes: bodily injury or death per occurrence	$500,000
Intrastate carrier described in item (2) of the 49 CFR 387.9 schedule (bulk hazardous substances, bulk Division 1.1, 1.2 or 1.3 explosives, and the other listed high-hazard loads), GVWR 10,001 lb or more	$5,000,000

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Who files the proof of insurance

Your insurance company makes these filings with the state, not you. Ask for them by form name when you bind coverage.

Liability proof: AS 19.10.300(b): evidence of the required security is filed with the Department of Transportation and Public Facilities and may be an insurance policy or certificate from an acceptable insurer, a surety bond, approved self-insurance, or other approved security.
Cancellation: AS 19.10.300(d): a policy, bond or other security may not be canceled on less than 30 days' written notice to the department, measured from the day the department receives the notice, and the policy or endorsement must say so.

No state form number (an E-form or equivalent) is named in AS 19.10.300 or 17 AAC 25, and the division pages read this pass describe no filing procedure. AS 19.10.300(e) requires the driver to carry proof of insurance (an insurer card with a claims phone number and the insurer's name and address, a self-insurance certificate, or a copy of the surety bond), and 17 AAC 25.210(c) lets an officer stop a vehicle whose driver cannot show proof.

The federal minimums, for contrast

Cross a state line for hire and the federal financial-responsibility levels take over, filed with FMCSA by your insurer. The amounts below render from 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.

Federal minimum public liability levels by operation (49 CFR Part 387)
Operation	Vehicle	Liability minimum
For-hire property carrier, non-hazardous	GVWR under 10,001 lb	$300,000
For-hire property carrier, non-hazardous (general freight)	GVWR 10,001 lb or more	$750,000
For-hire carrier of certain hazardous materials	Any	$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materials	Any	$5,000,000
For-hire carrier of household goods	GVWR 10,001 lb or more	$750,000
For-hire carrier of passengers	15 or fewer passengers	$1,500,000
For-hire carrier of passengers	16 or more passengers	$5,000,000
Broker of property or household goods	None	None
Freight forwarder of property	None	None
Freight forwarder of household goods	None	None

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Where insurance fits in the Alaska launch

Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Alaska intrastate authority page. For the full order of operations, work through start a trucking company in Alaska.