Idaho Auto Insurance: Minimum Coverage & 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's insurance pays for damages after an accident. All drivers must carry proof of financial responsibility — typically auto insurance meeting the state minimums — or face immediate license suspension. The Idaho Department of Transportation enforces these requirements through random verification and post-accident audits.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
$33–$64/mo
Typical monthly rate in Idaho, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Idaho's mountainous terrain and two-lane rural highways contribute to higher liability severity — serious injury crashes cost more to settle despite lower overall claim frequency than urban states.
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The only coverage Idaho law requires. Covers harm you cause to others — their medical bills, vehicle repairs, and legal costs if you're sued. Does not pay for your own injuries or vehicle damage.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an at-fault driver has no insurance or insufficient coverage. You can reject this in writing, but insurers must offer it at limits matching your liability coverage.
Collision Coverage
Pays to repair or replace your vehicle after a crash, regardless of fault. Subject to your deductible (typically $500–$1,000).
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, fire, and animal strikes. Subject to your chosen deductible.
Full Coverage
Bundles liability, uninsured motorist, collision, and comprehensive. Required by lenders for financed or leased vehicles.
SR-22 Insurance
Not a coverage type but a certificate proving you carry at least minimum liability. Required after DUI, reckless driving, or driving uninsured.