Idaho car insurance
With ice, snow, and country roads, driving safely in Idaho can be challenging. Ensure you have the proper protection for yourself and your car with our information about Idaho car insurance. Learn the minimum requirements for car insurance in Idaho, optional coverages to consider, and ways you can save money.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Idaho's minimum auto insurance requirements?
Idaho drivers are required to have auto liability coverage (BI liability and PD liability), and personal injury protection at the following minimum car insurance limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$15,000 per accident |
Idaho also requires insurers to offer uninsured/underinsured motorist (UM/UIM) bodily injury coverage, with the following minimum limits, though you may reject these coverages in writing if you don't want them.
| Coverage | What it covers | Minimum amount |
|---|---|---|
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 per person $50,000 per accident |
While these are Idaho's minimum required car insurance limits, higher coverage amounts may better protect your family's well-being. Learn how much car insurance you need based on your circumstances and preferences.
Is Idaho a no-fault state?
No, Idaho is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver's and their passengers' injuries. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Idaho?
In Idaho, the average cost for a 6-month liability-only policy (single-driver/single car) from Progressive was $465.07 in 2023.* Idaho is considered a low-cost state compared to other states' average liability-only Progressive premiums.
Note that your car insurance cost will ultimately depend on factors like your driving history, ZIP code, and coverage selections.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.
What is the best car insurance in Idaho?
Looking for the cheapest car insurance in Idaho? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
How do I lower my car insurance cost in Idaho?
To lower your car insurance cost in Idaho, you may qualify for the following discounts through Progressive:
- Homeowner
- Paid in full
- Multi-car
- Paperless
- Five-year claim-free
- Online quote
- Multi-policy
- Continuous insurance
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap auto insurance in Idaho is to combine your auto and home policies with Progressive — new customers nationwide who save bundling home and auto insurance save over 20% on average.*
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision auto coverage in addition to Idaho's state-required coverages. Comprehensive and collision pay to repair or replace your car if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. You might also add these physical damage coverages if you don't want unexpected car repair or replacement costs after an accident.
Explore all of our car insurance coverages and use our car insurance calculator to find out which are recommended for your circumstances.
Resources for Idaho drivers
Whether you're caught in traffic in downtown Boise, heading for the Greenbelt in Idaho Falls, or shopping in Meridian, explore these Idaho driving resources:
- Idaho Department of Motor Vehicles: Find out how to get or renew your Idaho drivers license or vehicle registration.
- Idaho Transportation Department Traffic Laws: Review Idaho's traffic and parking regulations.
- FAQs about driving in Idaho: Get answers to common questions about local Idaho road conditions, speed limits, point system, and more.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Idaho
Call a rep
Talk with a licensed representative who can guide you through the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
