Idaho Car Insurance
Idaho drivers must carry 25/50/15 liability under the Idaho Motor Vehicle Financial Responsibility Act (Idaho Code §§ 49-117 and 49-1212)12. UM and UIM are a must-offer at the compulsory liability limits under Idaho Code § 41-25023. Idaho is a traditional tort state and does not require PIP5.
YesWeSure Bottom Line
Traditional tort state. Idaho does not require PIP. First-party medical bills typically flow through health insurance or optional MedPay; tort recovery against the at-fault driver remains the primary mechanism5.
UM/UIM default is on. Every Idaho personal auto policy includes UM and UIM unless the named insured rejects the coverage in writing3.
How to make a real decision. Treat 25/50/15 as a floor, not a target. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Idaho car insurance law requires
Minimum liability limits
25 / 50 / 151
$25,000 bodily injury per person, $50,000 per accident, $15,000 property damage per accident, under the Idaho Motor Vehicle Financial Responsibility Act (Idaho Code §§ 49-117 and 49-1212).
Personal Injury Protection (PIP)
Not required5
Idaho is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must offer; 25 / 50 BI if purchased3
Idaho Code § 41-2502 requires every Idaho personal auto policy to include UM and UIM at not less than the compulsory liability limits unless the named insured rejects it in writing.
Coverage verification
Idaho Online Verification of Insurance System4
The Idaho Transportation Department administers electronic insurance verification. Confirmed lapse under Idaho Code § 49-1232 can trigger driver license suspension, SR-22 filing requirements, and reinstatement fees.
Rate approval regime
Idaho DOI oversight5
Idaho does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/15 compulsory liability
Idaho Code §§ 49-117 and 49-1212 compel every registered Idaho vehicle to carry 25/50/15 liability12. Many Idaho drivers carry higher limits.
PIP: not required in Idaho
Idaho does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM/UIM must-offer under Idaho Code § 41-2502
Every Idaho personal auto policy must include UM and UIM at the compulsory liability limits unless the named insured rejects the coverage in writing3.
Online Verification of Insurance and lapse enforcement
The Idaho Transportation Department administers electronic insurance verification6. A confirmed lapse under Idaho Code § 49-1232 can trigger driver license suspension, SR-22 filing requirements, and reinstatement fees4. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Idaho does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age5.
Where the Idaho situation rules live on YesWeSure
This State Guide owns the Idaho pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Idaho SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. ITD consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Idaho. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/15 minimum liability under Idaho Code §§ 49-117 and 49-1212 verified against the statutes.
- StrongIdaho is a traditional tort state (no PIP) verified against the Idaho DOI consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM must-offer at compulsory liability limits under Idaho Code § 41-2502 verified against the statute. Written rejection required to decline.
- StrongIdaho Online Verification of Insurance under Idaho Code § 49-1232 verified against the statute and the Idaho Transportation Department consumer page.
- LimitedDeliberately omitted from V1. An Idaho modeled cost anchor; carrier-specific ID underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." An Idaho-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Idaho?
25/50/15 liability under the Idaho Motor Vehicle Financial Responsibility Act12. UM/UIM is must-offer and ships on the policy unless rejected in writing3.
Is Idaho a no-fault state?
No. Idaho is a traditional tort state and does not require PIP5.
Is UM/UIM required in Idaho?
UM and UIM are must-offer. Every Idaho personal auto policy includes UM/UIM at the compulsory liability limits unless the named insured rejects the coverage in writing under Idaho Code § 41-25023.
Sources & methodology
- Idaho Code § 49-117: definitions and Motor Vehicle Financial Responsibility Act; 25/50/15 compulsory liability. (Idaho Legislature, TIER 1)
- Idaho Code § 49-1212: Motor Vehicle Financial Responsibility Act; proof of liability insurance. (Idaho Legislature, TIER 1)
- Idaho Code § 41-2502: Uninsured and Underinsured Motorist must-offer at compulsory liability limits; written rejection required. (Idaho Legislature, TIER 1)
- Idaho Code § 49-1232: penalties and license suspension for operation without compulsory motor vehicle insurance. (Idaho Legislature, TIER 1)
- Idaho Department of Insurance: Automobile Insurance consumer page. (Idaho Department of Insurance, TIER 1)
- Idaho Transportation Department: Online Verification of Insurance program page. (Idaho Transportation Department, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Idaho Code, Idaho Department of Insurance, Idaho Transportation Department). Every legal number traces to an Idaho primary source: Idaho Code §§ 41-2502, 49-117, 49-1212, 49-1232. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .