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Idaho Car Insurance Regulations & Required Coverage

In Idaho, all drivers are required to maintain financial responsibility. While there are other ways to do so, getting a car insurance policy is the most popular way. Idaho insurance law varies slightly from other states so its recommended you stay up to date on the state's insurance requirements.

Idaho car insurance laws follow a tort system. Within this type of system, after an accident, someone must be found responsible and at fault for causing it. This person is then required to pay for related damages to the injured or affected parties.

Required Coverage

All personal vehicles in Idaho require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage
Minimum Idaho Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $15,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage
  • Uninsured / Underinsured Motorist
  • Rental Reimbursement Coverage
  • Towing Coverage
  • Custom Equipment Coverage

Collision and comprehensive insurance are highly recommended, especially if your vehicle is listed as one of the most stolen vehicles in Idaho. Comprehensive protects you in the event of flood damage or if your car is stolen. Collision provides financial protection against any accident in which your car needs repairs or needs to be replaced.

Uninsured / underinsured motorist coverage will pay for expenses if you are hit by a person who does not have any insurance or does not have enough car insurance to cover all the costs. Idaho insurance code 41-2502 states that all liability policies must at least provide uninsured/underinsured liability coverage, but the insured is able to refuse it if they wish. This insurance code does not stipulate that uninsured/underinsured property damage is required to be offered.

Rental reimbursement insurance covers costs for renting another vehicle when yours is being repaired after an accident. It can also pay for other transportation expenses if your primary vehicle is being repaired.

Towing coverage simply helps pay for the cost of towing your vehicle in the event it's not drivable. If you have a driver's club policy such as AAA, then you may already have similar coverage.

Custom equipment insurance will cover and pay for damage done to add-on or non-factory equipment installed in your vehicle such as an after market radio.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy
  • Receive an indemnity bond from an authorized Idaho surety company
  • Self insurance - available for those who own 25 or more vehicles and a net worth greater than $500,000

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Proof of indemnity bond
  • Proof of self insurance

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance, you can face the following penalties:

  • First offense - fine of $75 and requirement to show proof of insurance for 1 year
  • Subsequent offenses within 5 years of first offense result in a misdemeanor along with a fine up to $1,000 and /or up to 6 months in jail

Idaho Insurance Agents

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