Idaho auto insurance regulations operate under the tort system.  This requires all Idaho drivers to carry a minimum amount of liability insurance.  Liability covers a driver in the case of an accident. Under a tort system, whoever is responsible for an accident has to cover medical expenses and damage costs for their car as well as whoever was affected by the accident.  This means that all Idaho drivers are required to carry insurance for their vehicle at all times.

Q: “What is the minimum amount of auto insurance coverage that I need in Idaho?”

In the event a driver is deemed responsible for an accident, liability polices cover those expenses.  Minimum liability coverage is $25,000 for a single occupant driver, $50,000 for more than one occupant, and $15,000 for property damages.  This is also known as a 25/50/15.  In the state of Idaho, uninsured motorist bodily injury protection is also required.  You can deny this type of coverage, but you must submit this in writing.  This type of coverage is advisable in case you are injured by someone without insurance.  Again, these are minimum amounts, and a driver should get multiple quotes in deciding what type of coverage is needed.

Compare Idaho Car Insurance Rates Online

Idaho has some of the cheapest auto insurance rates in the country! Make sure you get a good rate by going to  autoinsurancebystate.com. You can get multiple quotes from the top auto insurance companies just by putting your zip code in.  In less than two minutes you can apply online and get instant quotes.  Get the best deal without any hassle.

Current Providers in Idaho

For More Information

Idaho Department of Insurance
700 West State Street
P.O. Box 83720
Boise, ID 83720-0043
Phone: (208) 334-4250