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 state for car insurance claims.

Field report · ID

Car insurance in Idaho

Idaho is an at-fault state with a minimum liability requirement of 25/50/15. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/151

Fault systemAt-fault1

Uninsured motoristMust be offered1

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

$386 a year for minimum coverage, $1,476 for full coverage2

Average annual premiums in Idaho for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, 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 our cost calculator for a figure based on your own details, or get 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 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.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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