Idaho Auto Insurance Information
Under Idaho law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury
Liability (BIL) insurance, along with at least $15,000 in Property Damage Liability (PDL) coverage. BIL pays for
the medical and other accident-related expenses caused by the at-fault driver, while PDL pays for repairs to the
other driver’s vehicle and other damage. Both cover such expenses up to the limits of the policy. Neither BIL
nor PDL pays for any expenses incurred by the at-fault driver. Keep in mind that these are the minimum amounts
required, and most drivers should purchase additional insurance to protect their personal assets if they are
involved in a serious crash.
While Idaho does not require drivers to carry uninsured or underinsured motorist coverage, this is wise coverage
to obtain. Accidents with uninsured or underinsured motorists are relatively common, and without such insurance
you are responsible for paying for all of your medical expenses and repairs to your vehicle. If a driver does
not want to carry uninsured and underinsured motorist coverage, they must specifically waive such coverage in
While the state does not require collision and comprehensive insurance, lenders will almost certainly mandate
such coverage for leased and financed vehicles. Even if the car is owned outright, consider purchasing such
coverage if you cannot afford to replace or repair the vehicle if it is seriously damaged in an accident.
SR-22 Insurance in Idaho
Drivers caught without auto insurance in Idaho must have their insurance company file an SR-22 Form, a
certificate of financial responsibility, with the Idaho Division of Motor Vehicles (DMV) prior to license
reinstatement. As per the DMV, “the time required to maintain an SR-22 coincides with the length of the
suspension.” If the driver fails to maintain the SR-22 during the mandated period, the license suspension is
reactivated until all SR-22 requirements are met.
Idaho Driver Statistics
Approximately 1.7 million people call The Gem State home, and roughly 1.1 million of them hold drivers’ licenses.
Idaho is the 12th largest state and the seventh least densely populated. It became the 43rd state in the Union
Major industries in Idaho include advanced manufacturing, aerospace, tourism, energy, food production and
technology. Idaho has a large agricultural sector, focusing on potatoes, dairy, apples, corn, hay, cattle, and
Famous for its outdoor recreational opportunities, top attractions in Idaho include the Sun Valley Resort,
renowned for its skiing; the Craters of the Moon National Monument in Arco; Hell’s Canyon National Recreation
Area; Shoshone Falls, known as the Niagara of the West; the Old Idaho Penitentiary State Historic Site in Boise;
City of Rocks National Reserve and the Sawtooth National Recreation Area.
Idaho Auto Insurance & Accident Facts
In 2017, 245 people lost their lives on Idaho roadways, in a total of 224 fatal crashes. That was an improvement
in fatalities and crashes over the previous year, in which 253 people were killed in 232 fatal crashes. Of those
killed, 17 were pedestrians, three were bicyclists, and 26 were on motorcycles. Overall accidents, however, rose
3.2 percent between 2017 and 2016. While two-thirds of crashes occurred on urban roadways, three-quarters of
fatalities occurred on rural roads. One-third of all fatalities resulted from driving while impaired.