Alaska motorcycle insurance

What are the minimum requirements for motorcycle insurance in Alaska?

Alaska insurance motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won’t cover damage to your bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Alaska also mandates uninsured/underinsured motorist bodily injury and property damage coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

Unless you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are both optional. But we understand the financial and emotional investment many motorcycle owners have put into their bikes, and you may want to protect that investment from physical damage. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Alaska?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Alaska with liability coverage only was $159.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Alaska?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Anchorage, Fairbanks, Juneau, or anywhere else in The Last Frontier, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Alaska for bikers without eliminating the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Alaska with motorcycle insurance discounts, such as:

• Multi-policy discount
• LoJack discount
• Safety course discount
• Responsible driver discount
• Association discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Alaska

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Alaska