Idaho Auto Insurance Requirements

Idaho is considered to be a “Tort” state. This means that if you live in and operate a motor vehicle in the state, you are responsible financially for any bodily injuries and/or property damage that are a result of an accident you caused.

Therefore, Idaho has made it law that you carry an automobile liability insurance policy minimum level of 25/50/15 (see the chart below).

Please note that these levels are low, and an increased level of coverage is recommended.

Idaho residents may also increase their protection by purchasing add-ons like collision, comprehensive, uninsured and underinsured motorist bodily injury coverage.

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Auto Insurance for Leased Vehicles in Idaho (ID)

Most leasing companies in Idaho typically require drivers to maintain insurance coverage which exceeds the minimums set by Idaho state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Special Considerations for Idaho Drivers by City

• Boise

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Contacts for Auto Insurance Information In Idaho

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Last Updated: August 19, 2010