Idaho Car Insurance

All motorized vehicles operated on Idaho roadways, whether registered or not, must carry liability insurance providing the following minimum coverage:

  $25,000 for injury or death of one person
  $50,000 for injury or death of two or more people
  $15,000 for property damage.

When you register your vehicle, you must sign a statement certifying that the vehicle is and will be insured as required by Sections 49-117(18), and 49-1229, Idaho Code. All vehicles registered or operated in ID are required to be covered by a liability insurance policy at all times.

While it is not required it is recommended that all motorists carry comprehensive and collision insurance. This will pay for the damage to the vehicle of the insured in an accident that they are responsible for up to the blue book value of the vehicle. In the event that the cost of repairs exceeds the value of the vehicle it will be “totaled” and the value awarded in cash to the owner rather than paid out in repairs.

Idaho auto insurance policy does not require that motorists possess uninsured or underinsured motorist insurance; however, as not all states require their drivers to carry liability this is a wise addition to every insurance policy. Uninsured and underinsured insurance will provide for the payment of medical expenses and vehicle repair in the event that the insured is struck by a vehicle whose driver does not possess insurance, whose insurance is insufficient to cover the costs incurred, or if the insured is involved in a hit and run.

You are not required to provide proof of insurance at the time you register or re-register your vehicle. However, your insurer can give you a certified statement of liability insurance coverage (SR-22 certificate) should the Idaho DMV decide you must show actual proof if you do not have a "proof of insurance card" handy.

This certificate acts as "proof of financial responsibility" should you cause personal injury or death or property damage to another person or people. The insurance must cover the duration of the annual registration, so check that your insurance company provides the complete and appropriate dates of coverage.