What are Idaho's auto insurance requirements?

Idaho drivers need liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $15,000 in property damage per accident

Although these are the minimum limits required in the Gem State, you can extend your limits to fully safeguard your assets. Learn more about auto liability insurance.

Comprehensive and collision coverage protect you and your car

Most lenders require comprehensive coverage and auto collision coverage coverage when you finance or lease a car. But even if your car is paid off, you might want to consider these coverages in case your vehicle gets damaged or stolen. With these coverages, you would only pay your deductible rather than the repair bill, or the full price of a new car.

Learn more about auto insurance coverages.

Thinking of changing car insurance policies? Drivers nationwide who switch and save with us save over $650 on average.* Get a car insurance quote today.

How much does auto insurance in Idaho cost?

In 2020-2021, a Progressive liability-only auto insurance policy (single driver/single car) in Idaho cost $67 per month on average.** Keep in mind that rates may vary based on your driving history, ZIP code, and the limits and coverages you choose. Learn more about rates by getting an Idaho car insurance quote through Progressive.

Does Progressive offer discounts on auto insurance?

We sure do! You can get cheaper car insurance in Idaho with a variety of discounts, such as:

  • Homeowner
  • Multi-car
  • Five-year claim-free
  • Multi-policy
  • Paid in full
  • Paperless
  • Online quote
  • Continuous insurance

Want to save money while protecting your two most valuable assets? Progressive lets you earn a discount when you bundle your auto and home insurance in Idaho. In fact, you can save money by bundling two or more Progressive policies, including car, home, renters, and RV insurance.

See all car insurance discounts.

Facts about driving in Idaho:

  1. In 2019, an estimated 13.2% of Idaho drivers were uninsured. With uninsured motorist coverage, you're covered for injuries and damages caused by a driver without insurance.

  2. Holding a cell phone while driving is banned in Idaho. Put the phone down to stay safe and to avoid a ticket.

  3. Idaho requires everyone in a vehicle to wear a seat belt, though you can't be pulled over solely for a seat belt violation.

How to get car insurance in Idaho

Go online

We ask easy questions, and you customize your coverages.

Call a rep

Talk with a licensed representative who can guide you through the process.

Through an agent

Connect with an independent agent in your area.