Idaho Auto Insurance Rates & Requirements Guide
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 traditional at-fault tort liability system, meaning the driver responsible for an accident bears financial responsibility for damages. All drivers must carry proof of financial responsibility, typically satisfied through a liability insurance policy meeting state minimums. The Idaho Department of Insurance oversees compliance, and driving uninsured carries immediate license suspension penalties.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $72/mo
Average car insurance spending in Idaho
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Comprehensive claims spike in fall and winter months when deer and elk collisions peak along Highway 20, Highway 95, and other mountain corridors
- Snow and ice-related claims between November and March affect rates in mountain communities like Sun Valley, Ketchum, and areas near Bogus Basin
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Idaho a no-fault insurance state?
No, Idaho uses a traditional at-fault tort system. The driver responsible for an accident pays for all damages through their liability insurance. You can sue the at-fault driver for costs exceeding their policy limits, making higher liability coverage important for asset protection.
How does comprehensive coverage help with animal collisions in Idaho?
Comprehensive coverage pays for vehicle damage from deer, elk, and other animal strikes minus your deductible. Idaho reports over 1,900 deer collisions annually, with peak risk during fall migration (October–November) and spring (April–May) on highways like US-95, Highway 20, and rural routes through eastern Idaho.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Idaho's 25/50/15 minimums leave you personally liable for costs exceeding policy limits in serious accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your vehicle and others. Includes coverage for accidents you cause, weather damage, theft, and animal strikes.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, falling objects, and animal strikes. Pays for repairs minus your deductible.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Pays for your medical bills, lost wages, and vehicle damage when the at-fault driver cannot.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Required by lenders for financed or leased vehicles.
SR-22 Insurance
Not a separate coverage type but a state filing proving you carry minimum liability insurance. Required after DUI, reckless driving, or driving uninsured convictions.