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Idaho Minimum Car Insurance and Penalties for Driving Without It
The short answer
Idaho requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15).
Idaho at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Uninsured and underinsured motorist coverage is included by default, but you have the right to reject either or both. |
| First offense for driving uninsured | Driving without insurance is an infraction with a fine of $75. Your registration can be suspended after two consecutive months without reported coverage and notices, and reinstating it requires proof of insurance and a $75 fee. |
| Repeat offense | A second or later offense within five years is a misdemeanor with a fine of up to $1,000, up to six months in county jail, or both. |
| Fee to restore after a lapse | $75 registration reinstatement fee, plus proof of insurance. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Idaho?
Idaho requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15).
What happens if you drive without insurance in Idaho?
Driving without insurance is an infraction with a fine of $75. Your registration can be suspended after two consecutive months without reported coverage and notices, and reinstating it requires proof of insurance and a $75 fee.