Idaho’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Washington:

Is it mandatory to have car insurance in Idaho?


What are the minimum limits for Idaho?

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



What is the maximum bodily injury liability and property damage limit in Idaho?

This can vary by company, however commonly:

$250,000 bodily injury per person
$500,000 bodily injury per accident
$100,000 property damage per accident



What liability coverages are required to be offered in Idaho? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury must be offered, but they can be rejected.

How far back does Idaho go to look at violation history?

3 to 5 years depending on the carrier.

What additional policy types are offered in Idaho?

Broad Form,  & Named Non-Owner

Is an insurance score used in my rating in Idaho? If so, is it mandatory?

It’s not mandatory to have a credit scored product, however, most carriers do use insurance scoring as a factor in rating.

What policy terms are available in Idaho?

Monthly, 6 and 12 months depending on carrier.

What is the minimum down payment option in Idaho?

Typically 1 month, can vary by risk

Are SR22s used in Idaho?  If so, is there a fee assessed? Is it filed electronically?

SR22s are available, filed electronically, charges vary by carrier.

What discounts are available in Idaho?

  • Homeowner
  • Defensive driver course
  • Multi-car
  • Paid in full
  • Multi-Policy
  • EFT
  • Good Student
  • Resident Student
  • Safe Driver
  • Telematics
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