Idaho Car Insurance Requirements (Updated for 2025)
Driving in Idaho requires proof of financial responsibility—typically via liability insurance. Non‑compliance can lead to fines, license or registration suspension, and even jail time.
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Minimum Liability Coverage in Idaho
As of 2025, Idaho law mandates the following minimum liability insurance:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $15,000 per accident
Commonly referred to as “25/50/15” coverage.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Insurers must offer UM/UIM bodily injury coverage (typically matching 25/50 limits), but it’s optional—you may reject it in writing.
This coverage helps pay for your injuries when you’re hit by a driver with no or insufficient insurance. Idaho does not offer uninsured motorist property damage (UMPD).
Optional Coverages to Consider
- Comprehensive Coverage
- Collision Coverage
- Medical Payments (MedPay)
- Rental Reimbursement
- Roadside Assistance
Personal Injury Protection (PIP) is not required in Idaho but is available and can help with immediate medical costs after an accident.
Proof of Insurance Requirements
Drivers must carry proof of insurance, either a physical or digital ID card, and present it if requested during traffic stops, accidents, or vehicle registration.
Penalties for Driving Without Insurance
- First offense: Fine of $75 + administrative fees (~$56.50) + license/registration suspension until insurance is obtained
- Subsequent offenses: Fines up to $1,000, possible misdemeanor charges, up to 6 months in jail, SR‑22 requirement (1 year first offense, 3 for later)
- Reinstatement fee: ~$85
No‑Fault vs. At‑Fault
Idaho follows an at‑fault (tort) system—drivers at fault pay for damages. The state also uses comparative negligence when shared fault reduces recoverable damages.
SR‑22 Requirement
Drivers charged with DUI or repeat offenses may be required to file an SR‑22 certificate to prove financial responsibility—typically for 3 years.
Liability Limit Advice
While 25/50/15 meets legal requirements, serious accidents frequently exceed those limits. Many Idaho drivers choose higher liability, plus UM/UIM, to better protect their assets.
Compare Auto Insurance Quotes in Idaho
Premiums vary depending on age, location, driving record, vehicle type, and coverage levels. Use the tool below to compare quotes from top Idaho carriers:
FAQs
Is Idaho a no‑fault state?
No. Idaho uses an at‑fault (tort) system—drivers at fault pay for damages.
Is UM/UIM coverage mandatory in Idaho?
No, but insurers must offer it and you must reject it in writing if you choose not to carry it.
Is PIP required in Idaho?
No, Personal Injury Protection (PIP) is not mandatory but available as optional coverage.
What is an SR‑22 in Idaho?
SR‑22 is a certificate of financial responsibility required after serious violations like DUI. It verifies that insurance coverage is maintained.