Idaho Auto Insurance Requirements & Rates
Idaho requires 25/50/15 liability coverage and is an at-fault state.
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Idaho at a Glance
25/50/15
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
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Idaho operates as a traditional tort state, meaning the at-fault driver is financially responsible for accident damages. All drivers must carry proof of insurance and present it upon request by law enforcement or after an accident. The Idaho Department of Insurance enforces these requirements through a verification system that cross-references vehicle registrations with active insurance policies.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection
Cost Overview
about $72/mo
Average car insurance spending in Idaho
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Agricultural vehicle exposure: Drivers in eastern Idaho's farming communities face higher property damage liability costs due to frequent interactions with slow-moving farm equipment and seasonal harvest traffic.
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Does Idaho offer low-cost auto insurance programs?
Idaho does not operate a state-sponsored low-cost insurance program like California or New Jersey. However, drivers can reduce costs by maintaining continuous coverage, bundling policies, increasing deductibles, and comparing quotes from multiple insurers. Some carriers offer usage-based programs that discount premiums for safe driving habits and low annual mileage.
How does Idaho verify auto insurance compliance?
Idaho Transportation Department operates an automated verification system that cross-references vehicle registrations with active insurance policies reported by insurers. When coverage lapses, the system generates a notice requiring proof of insurance within 30 days or the vehicle registration is suspended. Law enforcement can also verify coverage status during traffic stops through the same database.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Idaho's 25/50/15 minimums provide baseline protection but can be exhausted in moderate-to-severe accidents.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage for complete protection. Lenders require this package for financed and leased vehicles.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, weather, fire, falling objects, and animal strikes. Deductibles typically range from $250 to $1,000.
Collision Coverage
Covers damage to your vehicle from accidents with other cars or objects, regardless of fault. Repairs are paid after deductible up to your vehicle's actual cash value.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or flees the scene. Covers medical bills, lost income, and vehicle damage depending on policy structure.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer with the Idaho Transportation Department after certain violations. Not a separate policy — it's proof your policy meets state minimums.