Auto Insurance in Idaho: What’s Required and What’s Recommended
Required Coverage in Idaho
By law, Idaho drivers must carry:
Bodily Injury Liability: $25,000 per person / $50,000 per accident
Property Damage Liability: $15,000 per accident
This coverage only pays for other people’s losses, not your own.
Recommended Additional Coverages
Collision Coverage: Pays for your car repairs after an accident.
Comprehensive Coverage: Covers theft, vandalism, hail, or animal collisions.
Uninsured/Underinsured Motorist (UM/UIM): Protects you if the other driver lacks coverage.
Medical Payments (MedPay): Covers medical expenses for you and your passengers.
Local Insight
Rural Idaho drivers face unique risks — deer collisions, icy mountain roads, and long towing distances. Comprehensive coverage provides peace of mind for all driving conditions.
Final Thoughts
Minimum coverage meets state law, but it might not fully protect you. Reviewing your policy annually helps ensure you’re covered for every Idaho road.