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Idaho car insurance

Idaho Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Idaho mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. If you fail to do so, you may be required to prove financial responsibility for one year. If you are caught a second time, you will have to do so for three years.

All vehicles must carry minimum insurance coverage regardless of whether they are registered or not. If caught driving without insurance, a driver faces a one-year license suspension.

Idaho Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Idaho they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $15,000

Idaho Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Idaho requires insurance companies to include underinsured as well as uninsured motorist coverage unless otherwise expressly rejected in writing by the insured.

No Fault Insurance
In Idaho, you are not required to carry no-fault insurance. Idaho is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.