Idaho Auto Insurance - (ID)

To drive legally in Idaho, you must purchase auto insurance liability coverage. Additionally, Idaho requires that all car insurance policies include uninsured and underinsured motorist coverage. The goal of both of these laws is to ensure that Idaho drivers will have the means to pay for any injuries, deaths, or damage they cause in an accident. Read on to learn more about Idaho’s mandatory car insurance laws and how they affect you.

Idaho Auto Insurance Regulations

• All vehicles must carry liability insurance. All motor vehicles must be insured for the minimum amount required by law.
• You must have proof of insurance with you at all times. If you are pulled over, law enforcement officers will ask you for your insurance card. Failure to present your card could result in a traffic ticket.
• Drivers must carry a minimum of the following liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident in property damage coverage.
• Newly issued or renewed car insurance policies must include uninsured and underinsured motorist coverage.

Proof of Insurance

When you purchase or renew a policy, you will receive a proof of insurance card that you should keep in your vehicle at all times. If you get pulled over and do not have valid proof of insurance with you, you could be issued a traffic citation. 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.

Uninsured/Underinsured Motorist Coverage

Idaho insurance code prohibits any auto insurance policy from being issued in the state unless it includes uninsured and underinsured motorist coverage that meets the state’s minimum requirements. Such coverage will help pay for any injuries you sustain as a result of a collision with an uninsured or underinsured driver. You have the right to reject this coverage and eliminate it from your policy, but you must put your refusal in writing.

Department Of Idaho (ID) State Government That Regulates Automobile Insurance:

Web Site: http://itd.idaho.gov/dmv/
How To Contact Directly:
Idaho Dept. of Insurance
700 West State St.
P.O. Box 83720
Boise, ID 83720-0043
Phone: 1-208-334-4250
Consumer Affairs: 1-208-236-6411

Idaho (ID) Mandatory Auto Insurance Minimums

• Liability: 25/50/15 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Uninsured Motorist
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Fine up to $75

How To File A Complaint About An Insurer:

Consumer Assistance For Complaints From The Idaho Dept. of Insurance
Online complaint form Download PDF complaint form