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.

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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:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum 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.

CoverageWhat it coversMinimum amount
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum 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 nearly $750 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 $775 on average††
  • GEICO customers who switch and save with Progressive save $740 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:

With our Name Your Price® Tool, you tell us how much you want to pay — then we'll give you options that work for you.

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:

How to get car insurance in Idaho

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance

Call a rep

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

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Idaho

Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.