Auto Insurance Minimum Requirements
Idaho requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage — commonly written as 25/50/15. Idaho is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Must be provided automatically at basic liability thresholds unless explicitly signed away by the customer.
SR-22 Filings
Required for 3 continuous years upon suspension due to failure to maintain insurance, DUI, or dynamic safety offenses.
Alternatives to Insurance
Cash deposit or indemnity bond of $65,000 submitted directly to the Idaho Transportation Department.
Fine
Up to $1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Idaho?
Idaho requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. This is written as 25/50/15 coverage.
Is Idaho a no-fault state?
No, Idaho is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Idaho?
Uninsured motorist coverage is not required in Idaho, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Idaho?
Driving without insurance in Idaho can result in fines of Up to $1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Idaho?
SR-22 filings are used in Idaho for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 continuous years upon suspension due to failure to maintain insurance, DUI, or dynamic safety offenses.
What does 25/50/15 mean in Idaho?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Idaho Transportation Department Motor Vehicle Division
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.