Idaho Car Insurance Requirements

Minimum Coverage Requirements

Idaho requires drivers to carry minimum liability insurance of 25/50/15 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage.

Average Car Insurance Costs in Idaho

Drivers in Idaho typically pay approximately $960 per year ($80/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Idaho

State Regulations and Key Rules

Idaho is an at-fault state with one of the lowest average car insurance premiums in the nation. Uninsured motorist coverage must be offered but can be rejected. The state's rural character and low traffic density contribute to lower rates.

What Makes Idaho Unique

Idaho consistently ranks among the cheapest states for car insurance, largely due to low population density, fewer accidents, and lower vehicle theft rates.

Uninsured Drivers in Idaho

Approximately 8.8% of drivers in Idaho are estimated to be uninsured.

Risk Factors Specific to Idaho

Deer and elk collisions are among the most frequent comprehensive claims in Idaho, particularly in northern and eastern regions. Mountain pass closures and black ice are significant winter hazards. Wildfire smoke in summer can reduce visibility.

What Idaho’s Minimum Actually Covers

Idaho’s minimum is 25/50/15: $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. With new vehicles averaging roughly $50,000, the $15,000 property damage limit would leave about $35,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Idaho

Uninsured motorist coverage isn’t mandatory in Idaho, though insurers generally must offer it and you may have to reject it in writing.

How Idaho Compares: Uninsured Drivers and Price

An estimated 8.8% of Idaho drivers are uninsured — roughly 1 in 11 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $960 a year puts Idaho among the ten least expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Idaho

Idaho's already-low rates can be pushed lower with multi-policy bundling and good driver discounts. Many rural Idaho drivers benefit from paying annually rather than monthly to avoid installment fees. Comprehensive coverage for deer collisions is highly recommended statewide.

• Idaho's minimum liability requirement of 25/50/15 is the legal floor, not a safe target — since PIP isn't required in Idaho, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 8.8% of Idaho drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Idaho?

25/50/15: $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability.

Is Idaho a no-fault state?

No. Idaho is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Idaho?

An estimated 8.8% of Idaho drivers are uninsured, roughly 1 in 11.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.