The Gem State

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Idaho Auto Insurance Coverage

Known across the country for its famous potatoes and miles of protected wilderness, there's a lot to love about Idaho. But, whether you're new in town or have deep roots in the Gem State, it's essential to understand the auto insurance requirements in Idaho. 

Required Auto Insurance in Idaho

Idaho requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Idaho requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $15,000 per accident.

Idaho Teen Driving Laws

Idaho operates under a Graduated Driver's License (GDL) program, which includes two stages: Supervised Instructional Permit and Full Driver's License. 

  • Supervised Instructional Permit: At 15, teens may obtain their supervised instructional permit. To obtain their permit, teen drivers must complete a state-approved driver ed course. An instructional permit allows teens to practice driving with a licensed driver at least 21 years of age.
  • Behind-The-Wheel Training: After obtaining their supervised instructional permit, teens must complete 50 hours of driving, with 10 hours being at night, in order to be eligible for their full license. 
  • Written Knowledge and Road Skills Test: To obtain their full license, teen drivers will also need to pass a written knowledge and road skills exam after completing 50 hours of driving practice.

Please be aware of additional driving restrictions for teen drivers in Idaho.

Idaho Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Idaho. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Idaho

No law in Idaho states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Idaho auto insurance quote online, or by calling (888) 772-4247.

Learn More About Idaho

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About Idaho

Idaho was America's 43rd state. Home to miles of protected wildlife, Idaho is a perfect destination for those seeking adventure, so you'll want to stay up to date on all insurance requirements.