About $245 a month
Commercial auto, all small businesses
Insureon national average for its small business customers, updated March 2026
Alaska · state requirements
Commercial auto insurance in Alaska
For Alaska businesses running pickups, vans and trucks: the state’s liability floor, the higher limits for in-state hauling, what going without costs and what coverage typically runs.
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Get commercial auto quotes in Alaska
What similar businesses pay
- Commercial auto, all small businesses
- About $245 a month
- Business auto
- $276 a month
- Contractor vehicles
- $260 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Alaska costs
$276 a month
Business auto
Progressive Commercial national average, 2025 (median $207)
$260 a month
Contractor vehicles
Progressive Commercial national average, 2025
$926 a month
For-hire freight trucks
Progressive Commercial national average for for-hire transport trucks, 2025
These are national figures; Insureon’s and Progressive Commercial’s Alaska pages give no state-only average. Insureon says its small business customers pay an average of $245 a month, with annual premiums from under $375 to over $16,000. Progressive’s 2025 national averages run from $260 a month for contractor vehicles and $276 for business autos to $926 for for-hire freight trucks. A single van or pickup near the 50/100/25 floor should land toward the low end. A truck that must carry Alaska’s $500,000/$200,000 in-state hauling limits, or the $1 million limit many customers ask for, will cost far more.
What moves your price
- Whether you carry freight or passengers for pay inside Alaska, which lifts the floor to $500,000/$200,000
- The limits your customers and contracts require above 50/100/25
- Garaging location: the Division of Insurance notes remote communities can see fewer accidents than cities
- Vehicle type, weight rating and value, and whether it is financed
- Each driver’s record, license status and any SR-22 filing
- Whether you keep uninsured motorist cover at full limits or reject it in writing
Alaska
What’s different in Alaska
50/100/25 is the floor, and $25,000 covers little
AS 28.22.101 sets Alaska’s minimum at $50,000 per injured person, $100,000 per accident and $25,000 for property damage. A work truck that wrecks a newer pickup or a storefront can pass $25,000 quickly, and anything above your limits is the business’s bill.
Hauling for pay in-state needs $500,000/$200,000
AS 19.10.300 requires anyone carrying passengers or freight for hire inside Alaska in a commercial motor vehicle, or carrying freight for commercial purposes, to hold $500,000 for bodily injury and $200,000 for property damage per occurrence, with proof filed with DOT&PF. Under 17 AAC 25.210, an officer can stop the vehicle if the driver cannot show it.
Uninsured motorist cover matches your limits unless you sign
Insurers must give you a written offer of uninsured and underinsured motorist cover, with bodily injury and property damage offered separately. The Division of Insurance says an unsigned choice means the policy is issued with limits matching your liability; once you reject it, the insurer need not offer it again at renewal.
Going without costs licenses, and in Anchorage the vehicle
The DMV warns that going uninsured can suspend a driver’s license, and a vehicle without proof can be impounded in the Municipality of Anchorage. After an uninsured crash, the Division of Insurance says an SR-22 must stay on file for three years. Not carrying proof is a class B misdemeanor under AS 28.22.019, with a $500 bail amount.
Off the road system, the mandate can fall away
AS 28.22.011 exempts vehicles in areas not connected to the state highway system or to a road carrying more than 499 vehicles a day, and the DMV publishes the list each year. The DMV adds that a driver with a 6-point violation in the past 5 years must be insured even there.
Moose strikes are a routine claim
Alaska DOT&PF counts about 765 animal-vehicle collisions a year, 85% of them with moose, at an average human and societal cost of about $34,000 a crash. The Division of Insurance says hitting a moose or bear falls under comprehensive, so a liability-only policy pays nothing toward your own vehicle.
Coverage
Coverage Alaska businesses need
Auto liability
Required on every registered vehicle at 50/100/25 or more, and the policy that carries the AS 19.10.300 filing for in-state haulers. Pays for injuries and damage your vehicles cause to others.
How commercial auto works →Uninsured and underinsured motorist
Pays your drivers’ injuries, and your vehicle damage if you choose the property damage part, when the at-fault driver has no insurance or too little. Offered in writing; you can take one part and reject the other.
How commercial auto works →Comprehensive
Pays for moose and bear strikes, theft, vandalism and fire damage to your own vehicles. A lienholder may require it.
How commercial auto works →Collision
Pays to repair or replace your vehicle after a crash, whoever caused it.
How commercial auto works →Medical payments
Optional cover that pays medical and funeral costs for people in your vehicle without waiting for a fault decision, per the Division of Insurance.
How commercial auto works →Hired and non-owned auto
Covers your business when employees drive their own or rented vehicles on company errands.
How commercial auto works →Umbrella or excess
Adds limits above auto liability when a contract or customer asks for more than your primary policy carries.
How umbrella / excess works →Rules
Alaska requirements
Every registered vehicle in Alaska must carry liability insurance at the state floor, and businesses that haul freight or passengers inside the state need much more. Alaska adopts federal Part 387 for motor carriers but sets its own limits for in-state carriers.
| Requirement | Applies to | What it means |
|---|---|---|
| Mandatory liability insurance | Owners of vehicles subject to registration, driven on Alaska roads | $50,000/$100,000 bodily injury and $25,000 property damage under AS 28.22.101 and AS 28.22.011. Areas off the road system on the DMV’s annual list are exempt. |
| Proof in the vehicle | Anyone driving a motor vehicle | Policy, card or electronic proof under AS 28.22.019; a correctable class B misdemeanor with a $500 bail amount. |
| Uninsured/underinsured motorist offer | Every auto liability policy | Written offer under AS 28.20.445; if your choice is not signed, the policy is issued with limits matching your liability, per the Division of Insurance. |
| In-state financial responsibility | For-hire passenger or freight carriers in commercial motor vehicles (14,000 lb or more in-state under AS 19.10.399) and others hauling freight commercially | $500,000 bodily injury and $200,000 property damage per occurrence under AS 19.10.300, with proof filed with DOT&PF Measurement Standards and Commercial Vehicle Enforcement. |
| Intrastate USDOT number | Motor carriers operating only inside Alaska | File with FMCSA before operating, update every 24 months and display it on each self-propelled commercial vehicle, per 17 AAC 25.210. Some fishing operations at 26,000 lb or less are exempt. |
| Federal minimum liability | For-hire interstate property carriers with vehicles of 10,001 lb or more | $750,000 under 49 CFR 387.9, usually proved with the MCS-90 endorsement. |
| Bulk hazardous materials | In-state carriers in item 2 of the 49 CFR 387.9 schedule | $5 million, the federal level, because 17 AAC 25.210(b)(1) keeps these carriers on the federal schedule. |
Compare commercial auto options in Alaska.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Sign the UM/UIM selection deliberately: unsigned, the Division of Insurance says the policy defaults to limits matching your liability.
- Keep coverage continuous; the Division of Insurance notes some insurers price better if you previously carried limits above the minimum.
- Pull motor vehicle records before anyone drives and each year after; a driver who needs an SR-22 raises the price.
- Give the insurer each vehicle’s VIN: the Division of Insurance says VIN-based quotes are more accurate than year, make and model.
- Raise collision deductibles on older vehicles, but keep comprehensive where moose strikes are common.
- Compare quotes at renewal: the Division of Insurance says prices vary widely among companies in Alaska, and Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- USDOT number and any DOT&PF financial responsibility filing
- Vehicle list with VINs, weight ratings, values and lienholders
- Garaging addresses and whether vehicles run on or off the road system
- Driver list with license numbers, dates of birth, CDL class and any SR-22
- What you haul or whom you carry, and whether it is for hire
- Current declarations page and loss runs from prior insurers
- Limits your customers and contracts require on certificates
- Your signed UM/UIM selection form
Common questions
Commercial auto insurance in Alaska: questions
What are Alaska’s minimum commercial auto limits?
The same 50/100/25 that applies to every registered vehicle under AS 28.22.101: $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage. Carriers hauling freight or passengers for hire inside Alaska need $500,000/$200,000 under AS 19.10.300.
Do Alaska intrastate carriers need a USDOT number?
Yes. 17 AAC 25.210 requires carriers operating only inside Alaska to get an intrastate USDOT number from FMCSA before they start and to update it every 24 months. Some fishing operations with vehicles of 26,000 lb or less, outside Anchorage and Fairbanks, are exempt.
Is uninsured motorist coverage required in Alaska?
Insurers must offer it in writing under AS 28.20.445, but you can reject it. If you do not sign a choice, the Division of Insurance says the policy is issued with limits matching your liability.
Do my employees need their own insurance to drive company vehicles?
No. AS 28.22.011 says an employee driving an employer-owned or leased vehicle on the job is not the operator who must be insured, so the duty rests with the business. Employees using their own cars for work are a different case, usually handled with hired and non-owned auto cover.
Do vehicles in rural Alaska communities need insurance?
Not in areas the DMV lists as exempt from registration, which are places off the road system under AS 28.22.011. A driver with a 6-point violation in the past 5 years must be insured anyway.
Does commercial auto cover hitting a moose?
Damage to your own vehicle is paid under comprehensive, which the Division of Insurance says includes running into a moose, bear or other animal. A liability-only policy does not cover it.
Get covered.
Tell us about your business once. We compare options and a licensed agent follows up, usually the same day.
Sources (14)
- Alaska DMV: Mandatory insurance
- Alaska Division of Insurance: Consumer guide to automobile insurance (revised September 2020)
- Alaska Statutes Title 19, including AS 19.10.300 financial responsibility
- FindLaw: AS 19.10.399 definitions (current as of January 2025)
- Alaska DMV: Commercial driver license manual (AS 19.10.300 summary)
- FindLaw: AS 28.22.011 insurance required; exemptions
- Cornell LII: 17 AAC 25.210, safe operation of commercial motor vehicles
- Alaska Court System: Vehicle and traffic offenses booklet (AS 28.22.019 bail)
- Alaska DOT&PF: Wildlife and Highways Workgroup (moose collisions)
- eCFR: 49 CFR 387.9, minimum levels of financial responsibility
- Insureon: Commercial auto insurance in Alaska
- Insureon: Commercial auto insurance cost (updated March 2026)
- Progressive Commercial: How much is commercial auto insurance (2025)
- Progressive Commercial: Alaska commercial auto insurance
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.