Minimum Car Insurance in Idaho
The liability limits Idaho requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Every owner of a vehicle registered and operated in Idaho must continuously carry liability insurance from a company licensed in Idaho of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $15,000 for property damage… Idaho Code §§ 49-1229, 49-117(20); Idaho Transportation Department (ITD), Vehicle Insurance
| Minimum coverage required | Every owner of a vehicle registered and operated in Idaho must continuously carry liability insurance from a company licensed in Idaho of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $15,000 for property damage (25/50/15). Instead of a policy, an owner may post an indemnity bond with the Director of Insurance (at least $50,000 per accident, including $15,000 for property damage, per vehicle, up to $120,000 for five or more vehicles) or hold a certificate of self-insurance. Statutes: https://legislature.idaho.gov/statutesrules/idstat/title49/t49ch12/sect49-1229/ ; https://legislature.idaho.gov/statutesrules/idstat/Title49/T49CH1/SECT49-117/ |
|---|---|
| At-fault or no-fault | Idaho is an at-fault (tort) state: the required coverage is liability insurance against loss resulting from liability imposed by law for injury, death or property damage caused by use of the vehicle. The Alabama Department of Insurance's national list places Idaho among the "Tort States." National list: https://aldoi.gov/consumers/StateAutoLaws.aspx |
| Uninsured motorist coverage | Auto liability policies on vehicles registered or garaged in Idaho must include uninsured and underinsured motorist coverage at the bodily injury liability minimums, unless a named insured rejects either or both in writing (or in an electronic record); a rejection applies to all insureds and carries over to renewals or replacements with the same insurer or an affiliate. Before a new policy is issued (and at the first renewal of policies effective on or after Jan. 1, 2009), the insurer must give the named insured a standard, Director-approved statement explaining UM and UIM coverage and the forms of UIM available. Source: Idaho Code § 41-2502 |
More Idaho car insurance & vehicle laws
- Driving Without Insurance in Idaho
- SR-22 Insurance in Idaho
- When a Car Is a Total Loss in Idaho
- Transferring a Car Title in Idaho
- All Idaho car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Idaho?
Every owner of a vehicle registered and operated in Idaho must continuously carry liability insurance from a company licensed in Idaho of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $15,000 for property damage (25/50/15). Instead of a policy, an owner may post an indemnity bond with the Director of Insurance (at least $50,000 per accident, including $15,000 for property damage, per vehicle, up to $120,000 for five or more vehicles) or hold a certificate of self-insurance.
Is Idaho a no-fault car insurance state?
Idaho is an at-fault (tort) state: the required coverage is liability insurance against loss resulting from liability imposed by law for injury, death or property damage caused by use of the vehicle. The Alabama Department of Insurance's national list places Idaho among the "Tort States."
Is uninsured motorist coverage required in Idaho?
Auto liability policies on vehicles registered or garaged in Idaho must include uninsured and underinsured motorist coverage at the bodily injury liability minimums, unless a named insured rejects either or both in writing (or in an electronic record); a rejection applies to all insureds and carries over to renewals or replacements with the same insurer or an affiliate. Before a new policy is issued (and at the first renewal of policies effective on or after Jan. 1, 2009), the insurer must give the named insured a standard, Director-approved statement explaining UM and UIM coverage and the forms of UIM available.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.