Idaho Auto Insurance

Required Coverage Minimum 25/50/15 - According to auto insurance law in Idaho, if you register and operate a motor vehicle in the state you must purchase insurance policies with a minimum coverage limit of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in a single accident, and $15,000 for property damage. Note, these figures are only minimum limits. Especially if you own assets, it is considered prudent to obtain higher limits in case you are sued for liability,

Mandatory Insurance Coverage - You are required to maintain a Property Damage Liability policy and Bodily Injury Liability policy

Optional Coverage - Iowa auto insurance companies offers optional coverage: medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.

You should consider purchasing any or all of these optional coverage policies, especially Uninsured Motorist and Underinsured Motorist coverage. These policies help cover the cost of your injuries and property damage should you be in an accident with a driver with inadequate liability insurance.

Proof of Insurance - State law mandates that you carry proof of acceptable insurance policies in your vehicle(s) at all times.

Penalty for Failure to Comply - The penalty for noncompliance in Idaho is extremely lenient, $75 dollar fine. Therefore, it is highly recommended that you purchase Uninsured Motorist and Underinsured Motorist policies.

Non-Seatbelt Use
Consistent with a lenient penalty for not possessing the required minimum liability insurance, you can be pulled over for non-seat belt usage. The penalty for seatbelt noncompliance, is a $25 fine for any seat noncompliance if pulled over by police.

Lawsuits - Liability is based a standard Tort liability system. Therefore, there are no restrictions on lawsuits for as a result of an accident

Idaho Department of Insurance

700 West State Street
P.O. Box 83720
Boise, ID 83720-0043

Toll Free: 800 721-3272
Phone: 208 334-4250
Fax Numbers: 208 334-4398

Idaho Department of Insurance Web Site