Idaho car insurance: minimums, prices and your estimate
Idaho requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability (written 25/50/15).
Idaho is an at-fault state, and its $15,000 property damage minimum is lower than in many states. Idaho also limits how insurers use credit: it cannot be the primary reason you pay more or are turned down.
- Legal minimum
- 25/50/15
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- Ask Idaho Transportation Dept.
What drivers in Idaho can expect to pay
Monthly ranges from our model, anchored to Idaho's position in 7 published price studies from 2025 and 2026 ($1,817 a year for full coverage and $489 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $130-$173 | $1,817 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $35-$47 | $489 |
| Young driver, full coverage20, own policy, clean record | $243-$363 | $3,634 |
| Senior, full coverage70, clean record | $125-$166 | $1,744 |
| After one at-fault accident35, full coverage | $195-$259 | $2,726 |
| After a DUI35, full coverage | $228-$342 | $3,416 |
| Poor credit35, clean record, full coverage | $233-$334 | $3,398 |
Build your Idaho estimate
Rules worth knowing in Idaho
- Your policy includes uninsured and underinsured motorist coverage at 25/50 unless you reject either or both in writing or electronically. A rejection applies to everyone on the policy and carries over to renewals with the same insurer.
- Credit cannot be the primary basis for a higher premium, cancellation, nonrenewal or denial, which means it cannot count for more than all other factors combined.
- Idaho does not require personal injury protection or medical payments coverage.
- Instead of a policy, you can hold a certificate of self-insurance or post a bond with the Idaho Director of Insurance for at least $50,000 per accident per vehicle, up to $120,000 for five or more vehicles.
- Not carrying the required insurance is a $75 infraction the first time. A second conviction within five years is a misdemeanor punishable by a fine of up to $1,000, up to six months in jail, or both.
- Idaho sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with the Idaho Transportation Department.
Questions about Idaho car insurance
What is the minimum car insurance in Idaho?
Idaho requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability (written 25/50/15).
How much is car insurance in Idaho per month?
For a 35-year-old with a clean record, our model puts full coverage at about $130 to $173 a month and state-minimum coverage at about $35 to $47. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Idaho a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Idaho use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Idaho?
Only if a court or the state requires one, usually after a serious violation or a lapse. Idaho sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with the Idaho Transportation Department.