Last updated: November 2023

Idaho Auto Insurance

Idaho has plenty of natural beauty to enjoy, but whether you’re driving to work in downtown Boise or driving up to Coeur d’Alene for a weekend getaway, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every adventure around the “Gem State.” So, take a few minutes to learn about car insurance in Idaho. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Idaho car insurance solution. Get a free quote to see how much money you can save.

Idaho Car Insurance Laws

Do you have to have car insurance in Idaho?

Idaho law requires all drivers have proof of financial responsibility, which is most commonly satisfied with a car insurance policy. Idaho auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Idaho are 25/50/15, as shown below under Idaho Minimum Car Insurance Requirements.

Idaho Minimum Car Insurance Requirements

Wondering what your insurance policy needs to fulfill Idaho’s insurance requirements? Here’s a quick breakdown by coverage type.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $15,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing liability coverage ensures you satisfy Idaho’s laws, it doesn’t protect you or your vehicle in every circumstance. You would need to add additional coverage, like UM/UIM, comprehensive, and collision, to protect yourself and your vehicle more fully.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, there are add-on services and other insurance products available to Idaho drivers:

Idaho Proof of Financial Responsibility and Penalties

What if I don't meet Idaho’s minimum car insurance requirements?

Idaho takes a strict stance on vehicle owners who don’t meet insurance requirements. The fines and other penalties for driving without insurance vary depending on the nature of the violation. However, they typically get more severe for subsequent offenses, according to Idaho law.

Penalties for Driving with a Suspended License in Idaho

Driving without a valid license can lead to harsh penalties in Idaho. A first offense can come with potential jail time, an increased license suspension, and a significant fine. Subsequent offenses often lead to even more severe penalties.

SR-22 Insurance in Idaho

Some states require high-risk drivers to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. You might be required to keep one on file in Idaho for a number of reasons, including if:

If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.

High-Risk Auto Insurance in Idaho

Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.

Where can I find the cheapest car insurance rates in Idaho?

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Other Idaho Auto Insurance Resources

Find Cheap Car Insurance in Idaho with Direct Auto!

Looking for affordable and cheap car insurance in Idaho? Get a free car insurance quote for a Direct Auto policy today that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible. Call or click to get an Idaho car insurance quote today!

*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.
**The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.

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