Driving Without Insurance in Idaho

Driving without required insurance, or without proof of insurance in the vehicle, is an infraction with a $75 fine for a first violation; a second or later conviction within five years is a misdemeanor punishable by a fine up to $1,000, up to six months in county jail, or both. Under the Drive Insured program, an owner whose vehicle shows no insurance for two consecutive months gets a warning and 30 days to provide proof or an exemption before the registration is suspended; reinstatement requires proof of insurance and a $75 fee. An owner who stops carrying insurance must surrender the registration and plates and may not drive the vehicle until insured and re-registered.

A certificate or proof of liability insurance must be in the driver's possession or in the vehicle whenever it is driven, and shown to a peace officer on request; it may be paper or electronic (on a phone or other portable device). A driver is not convicted if, before conviction, they produce proof that coverage was in effect at the time. Insurers must give a free certificate of insurance on purchase, renewal or request. Owners certify insurance when registering, and the Idaho DMV verifies insurance electronically through its "Drive Insured" online verification system.