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Idaho Car Insurance Requirements

Idaho Minimum Car Insurance Requirements

The state of Idaho requires all drivers to carry car insurance in order to drive legally. There is a mandated minimum liability insurance coverage amount all drivers have to obtain. Those minimum coverage limits in Idaho are as follows:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage per accident

Failure to provide proof of insurance when asked by law enforcement can result in you getting hit with some hefty penalties. If you have an auto loan or lease your vehicle, you may be required to carry additional insurance by your lender or leasing company. Double-check their policies prior to purchasing car insurance to make sure you are within their rules.

Proof of Insurance Laws in Idaho

Idaho has updated its proof of insurance laws. As of January of 2020, Idaho drivers must provide proof of insurance for 2 consecutive months. Failure to do so will result in your vehicle registration being suspended. If the state fines you do not have insurance, you will receive a warning and then have 30 days to show proof of insurance.

Idaho Liability Coverage

You must carry liability insurance in order to legally drive in the state of Idaho. Liability insurance covers injuries and damages the other driver sustains in an accident that you are responsible for. This type of insurance will never cover damages to your vehicle or any bodily harm you or your passenger(s) sustain. It is strictly for other drivers when you are found to be at fault.

Car Insurance Limits in Idaho

Insurance limits refer to the minimum amount of coverage you can legally drive with. At the same time, a coverage limit is also the maximum amount of money your insurance will pay out in a claim. Coverage limits are, for the most part, state-mandated. In the case of liability insurance, it encapsulates three categories: bodily injury per person, per accident, and property damage per accident. For the state of Idaho, these limits are 25/50/15, respectively.

What each of these limits covers is explored below.

  • Bodily injury per person refers to the maximum amount your insurer will pay for one person’s injuries in an accident you caused.
  • Bodily injury per accident is the amount your insurance company will payout for all injuries you caused in an accident.
  • Property damage per accident refers to how much your insurance company will pay for damage you were responsible for in an accident.

Is Idaho’s Mandatory Insurance Minimums Enough Coverage?

Idaho has a pretty average coverage limit for liability insurance when compared to other states. But being average does not mean it is at all-sufficient. No matter what state you reside in, the mandatory minimum for car insurance will never be enough to fully cover you after an accident. For example, $15,000 in property damage is nowhere near enough to cover a new vehicle should you total someone else’s. Medical expenses can stack up very quickly and whatever is left after insurance pays comes back to be your responsibility. This is why we highly recommend you increase your car insurance coverage limits and utilize policy add-ons to strengthen your policy.

Driving Without Proof of Insurance in Idaho

As we have discussed in a previous section, Idaho actively monitors its drivers and their insurance status. You are given a few chances to obtain the proper insurance, but if you blow it off, there are some severe penalties you will be hit with. The chart below outlines what you could be facing if you fail to obtain car insurance in the state of Idaho.

Consequences
1st Offense
2nd Offense
Fines
$75
Up to $1,000
Jail Time
N/A
Up to 6 months
Reinstatement Fee
$85
$85

On top of all of this, you will also be required to maintain an SR22 insurance policy for a set number of years, and your licenses will be suspended until you can provide proof of insurance.

Additional Types of Car Insurance in Idaho

While Idaho only requires you to carry liability insurance, there are a number of other coverage types insurance companies offer. Listed below are some common policy add-ons to help strengthen your coverage.

  • Collision: This covers damages to your car after an accident with another driver. It offers payout no matter who was at fault.
  • Comprehensive: Helps pay for damages your vehicle sustains while it is not in use. Some perils you are protected from under this policy include theft and extreme weather.
  • Gap Coverage: If you have a loan on your car and it is totaled before you can pay for it, gap coverage will pay the difference between your vehicle's actual cash value (ACV) and how much is left on the loan.
  • Medical Payments: If you and your passenger(s) are injured in an accident, medical payments coverage will cover the bills no matter who was at fault for the accident.
  • Roadside Assistance: If you are stranded on the side of the road, roadside assistance can be there to help. While the full scale of coverage depends on the insurance company you have a policy with; generally, they will offer assistance with mechanical failures like a dead car battery.
  • Uninsured Motorist Coverage: Even with insurance being mandatory, many people choose to drive without it. Lacking insurance means you may not be able to get your expenses covered. For instances like that, uninsured motorist coverage can help pay for damages and medical bills when the other driver's insurance company cannot.
  • Rental Car Reimbursement: Some collisions are severe enough that your car ends up being unusable. While waiting for it to get fixed, rental car reimbursement coverage will help cover the costs of renting a car for the time being.

Car Insurance is Important For Any Idaho Driver

Not only will carrying car insurance keep you on the right side of the law, but it will also always protect you financially. Buying beyond the state-mandated insurance is key to this. As we have explored, accidents can get very expensive. You want to make sure that you are not stuck paying thousands of dollars after an accident. Also, failing to carry insurance can result in some hefty fines and other consequences. Be a smart driver and insure yourself properly.

*This product may not be available in every state, please call an agent for more information.

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