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Idaho Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Idaho. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Idaho.

ID Auto Insurance Laws and Regulations:

Idaho Dept. of Insurance
700 West State St., P.O. Box 83720
Boise, ID 83720

Minimum Car Insurance Coverage in ID:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$15,000 for damage to property

ID Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


ID Uninsured Penalties:

If you get pulled over and do not have valid proof of insurance with you, you could be issued a ticket. This will result in a fine and possibly a negative mark on your driving record. The courts in Idaho may also charge you additional fees for driving without insurance.

If you fail to carry insurance, you will find that the consequences are far more painful than actually obtaining liability insurance in the first place. For starters, the state's no-insurance laws require you to provide proof of financial responsibility for one year if you are a first-time offender.

The second time you violate these laws within a five-year period, the state requires you to provide proof of financial responsibility for three years. For more information regarding matters such as these, contact the Boise office of the Idaho Transportation Department at (208) 334-8736.


ID Department of Insurance Contact Information:

1-208-334-4250 or
Toll Free: 1-208-236-6411

ID State Insurance Department Website:





Directory of Idaho Auto Insurance Agents by County

Ada
Adams
Bannock
Bear Lake
Benewah
Bingham
Blaine
Boise
Bonner
Bonneville
Boundary
Butte
Canyon
Caribou
Cassia
Clearwater
Custer
Elmore
Franklin
Fremont
Gem
Gooding
Idaho
Jefferson
Jerome
Kootenai
Latah
Lemhi
Lewis
Lincoln
Madison
Minidoka
Nez Perce
Oneida
Owyhee
Payette
Power
Shoshone
Teton
Twin Falls
Valley
Washington

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