Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Idaho

Insurance Requirements for Car Registration in Idaho

The state of Idaho requires that all drivers carry certain types of automotive insurance, or “financial responsibility,” in order to operate a vehicle legally. This is required whether the vehicle is registered or not.

The minimum liability insurance required for vehicle owners under Idaho law is as follows:

  • $15,000 for Property Damage Liability, which covers damage caused to another’s property by your vehicle (such as buildings or road signs).

  • $25,000 for Bodily Injury insurance per person; this means that the total minimum a driver must carry for Bodily Injury insurance is $50,000, to cover the lowest possible number of people involved in an accident (the two drivers).

This means that every driver must carry a total of $40,000 in liability insurance for each vehicle they drive in Idaho.

While the state does require that all insurance providers include Uninsured Motorist or Under-Insured Motorist insurance, which covers the costs of an accident involving a driver who did not carry the proper amount of legally required insurance, in any policy, there is no required minimum amount of coverage.

Other types of insurance

The liability insurance listed above is all that is required by the Idaho Department of Insurance; however, the Department does recognize other types of insurance for additional coverage. These include:

  • Medical Payments coverage, which covers the costs of medical or funeral expenses that were the result of an auto accident.

  • Comprehensive insurance, which pays for damage to your vehicle that was not the result of an accident (such as weather-related damage).

  • Collision Insurance, which covers the cost of damage to your vehicle that is the direct result of an automotive accident.

  • Other types may include Rental Reimbursement, Towing and Labor Reimbursement, and Custom Equipment Insurance (which covers the additional cost of replacing custom upgrades on a vehicle).

Comparative negligence

Idaho law states that multiple people can be found at fault for an automotive accident. This type of law is called comparative negligence, and means that your insurance will only pay out for damages if you are at less fault than the other parties.

Your payout can also be reduced by your percentage of fault. If you are found to be 20% at fault for the accident, your insurance can reduce the amount they will pay out by 20%.

Violation penalties

Driving without the proper insurance in Idaho, or failing to produce proof of insurance when asked by a law enforcement officer, can result in fines and jail sentences, including:

  • A $75 fine for the first offense

  • Up to $1,000 in fines for subsequent offenses

  • A jail sentence of up to six months

  • A requirement to carry an SR-22 Proof of Financial Responsibility document, which is a specific verification document usually are only required for those who have been convicted of DUIs and reckless driving charges.

For more information, contact the Idaho Department of Transportation on their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

Post a question and get free advice from our certified mechanics.

ASK A QUESTION

More related articles

How to Transfer a Car Title in Idaho
In order to prove ownership of a car, you must have the title. However, when a car is sold, given away or inherited, the title needs...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....
How to Avoid Back Pain in a Car
If you have back problems, sitting in a car for an extended period of time can be excruciating. Even without back problems, you could experience discomfort and soreness from...


Related questions

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...

Q: Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...