What is the minimum car insurance requirement in Idaho?

Idaho requires liability limits of at least 25/50/15. $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage.

Is Idaho an at-fault or no-fault state?

Idaho is an at-fault at-fault state for car insurance claims.

Field report · ID

Car insurance in Idaho

Idaho is a at-fault state with a minimum liability requirement of25/50/15. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/15

Fault systemAt-fault

Uninsured motoristNot required

RegulatorIdaho Transportation Department (ITD), Division of Motor Vehicles

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage.

Not mandatory to purchase; insurers must include or offer UM and UIM bodily-injury coverage, but the named insured may waive both in writing.

Estimated cost

Illustrative estimate: roughly $420-$450/year for minimum coverage - among the lowest in the nation.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically triggered by a DUI, driving without insurance, or an uninsured at-fault accident; usually about 3 years, with continuous-coverage requirements (a lapse can trigger suspension).

Local conditions worth knowing

Idaho is one of the fastest-growing states in the country, and rapid population/traffic growth around Boise and Coeur d'Alene is widely cited as a driver of rising accident frequency and insurance costs.

Frequently asked

What is the minimum car insurance requirement in Idaho?: Idaho requires liability limits of at least 25/50/15. $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage.
Is Idaho an at-fault or no-fault state?: Idaho is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Idaho?: Typically triggered by a DUI, driving without insurance, or an uninsured at-fault accident; usually about 3 years, with continuous-coverage requirements (a lapse can trigger suspension).
Is uninsured motorist coverage required in Idaho?: Not mandatory to purchase; insurers must include or offer UM and UIM bodily-injury coverage, but the named insured may waive both in writing.

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