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Idaho- Auto Insurance

In Idaho, you must purchase auto insurance liability coverage. Additionally, Idaho requires that all car insurance policies include uninsured and underinsured motorist coverage. The purpose of both of these laws is to ensure that Idaho drivers will have the means to pay for any injuries, deaths, or damage they cause in an accident.


  • All motor vehicles must be insured for the minimum amount required by law.
  • If you are pulled over, law enforcement officers will ask you for your insurance card. Failure to present your card could result in a traffic ticket.
  • Drivers must carry a minimum of the following liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident in property damage coverage.
  • Newly issued or renewed car insurance policies must include uninsured and underinsured motorist coverage.


Idaho Dept. of Insurance
700 West State St.
P.O. Box 83720
Boise, ID 83720-0043
Phone: 1-208-334-4250
Consumer Affairs: 1-208-236-6411

Web Site:

Idaho (ID) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/15 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Uninsured Motorist
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $75

Inside Idaho- Auto Insurance