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Idaho Auto Insurance

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Idaho Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $15,000 property damage
  • Click here for more auto insurance minimums in Idaho.

Idaho DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Penalties are significantly more severe for BAC of 0.15% and higher.
  • Click here for more DUI laws in Idaho.

Idaho SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Idaho.

Idaho Hands-Free Laws

  • The Idaho legislature is considering several cell phone/texting laws.
  • Idaho Senate Bill 1352 prohibits text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Idaho.

Idaho Teen Auto Insurance

  • Idaho utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Idaho teen driver laws.
If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Idaho requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $15,000 total for property damage, per accident

When you are involved in an auto accident and found to be responsible, it is vitally important to have the proper insurance coverage. Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal.

Many people don't realize that being underinsured can also be personally devastating. If you don't have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

In Idaho, your insurance agent is required by law to offer you Uninsured/Underinsured Motorist coverage. You do not have to purchase this coverage but if you choose not to include it in your policy, you must reject this specific coverage in writing.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

Idaho Department of Insurance
700 West State Street
Boise, ID 83720
(208) 334-4250
(800) 721-3273 In-state only

Idaho Car Insurance Agents


If you live in Idaho and are searching for an auto insurance agent to assist you with your insurance needs, you are in the right place.

Idaho Auto Insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are able to compare prices from different insurance companies and find the best combination of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can formulate a policy which is just right for you- one that protects you and your property as well as your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to get you a comprehensive auto insurance policy that meets both your needs and budget.

Tips to saving money on your insurance premiums


  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Group your policies together. This can earn you up to 10% off your total premium cost at some insurance companies.
  • If you don't put a lot of miles on your car annually, ask about a low-mileage discount.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

It is now easy for Idaho residents to find the lowest auto insurance rates. CarInsurance.info is a one-stop-shop for all your insurance needs, from comparing insurance products to requesting an online quote. With the resources offered by CarInsurance.info, you can shop for your auto insurance with minimal difficulty. By making informed insurance decisions, you can save a significant time and money. CarInsurance.info offers information on the lowest Idaho auto insurance rates for the entire state.

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