Idaho car insurance: requirements & free quotes
Idaho is an at-fault state with a 25/50/15 minimum. Rural highways, mountain passes and wildlife crossings make physical-damage and roadside coverage worth considering.
Minimum coverage in Idaho
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$15,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $15,000 per accident
Shown as 25/50/15. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Idaho
- Comprehensive coverage pays for collisions with deer and elk.
- Uninsured/underinsured motorist coverage protects you when the at-fault driver lacks enough insurance.
- Roadside assistance helps on long rural stretches and in winter conditions.
- Ask about discounts for low annual mileage if you drive mostly locally.
We connect drivers across Idaho
Including Boise, Meridian, Nampa, Idaho Falls and Pocatello — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Idaho car insurance FAQ
No. Idaho is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.