Idaho Auto Insurance: Requirements, Rates & Coverage
Idaho requires 25/50/15 liability coverage and is an at-fault state.
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Idaho at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Idaho operates under a tort-based liability system where the at-fault driver is financially responsible for damages. Drivers must carry proof of insurance at all times and present it upon request by law enforcement or after an accident. The Idaho Department of Insurance enforces these requirements through an electronic verification system that flags uninsured vehicles for registration suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection
Cost Overview
about $72/mo
Average car insurance spending in Idaho
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Wildlife collision frequency — Idaho ranks among the top 10 states for deer strikes, with over 2,000 reported annually, directly impacting comprehensive premiums.
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Compare Auto Rates for FreeFrequently Asked Questions
Is Idaho a no-fault insurance state?
No, Idaho operates under a tort-based fault system where the at-fault driver's insurance pays for damages. Injured parties can file claims against the responsible driver and sue for damages exceeding policy limits. This makes carrying liability coverage above the state minimum critical for protecting personal assets.
Does car insurance cover wildlife collisions in Idaho?
Yes, comprehensive coverage pays for damage from wildlife strikes including the 2,000+ deer collisions Idaho drivers report annually. Liability-only policies do not cover animal damage to your vehicle. Given Idaho's high wildlife collision frequency — particularly on rural highways and during fall migration — comprehensive coverage offers practical value beyond the state minimum.
Coverage Types
Liability Insurance
Idaho's required 25/50/15 minimum coverage pays for injuries and property damage you cause to others. Most drivers benefit from increasing limits to 100/300/100 to protect assets in serious accidents.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage into complete protection. Covers your vehicle regardless of fault and protects against Idaho-specific risks like wildlife and winter weather.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including theft, vandalism, hail, fire, and animal strikes. Deductibles typically range from $250 to $1,000.
Collision Coverage
Covers damage to your vehicle when you hit another car or object, or when you roll over. Required by lenders on financed vehicles.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Idaho requires insurers to offer this but allows drivers to reject it in writing.
SR-22 Insurance
An SR-22 is not insurance but a certificate proving you carry state-minimum coverage, filed by your insurer with the Idaho DMV. Required after DUI, multiple violations, or driving uninsured.