Idaho Car Insurance Requirements

The state of Idaho follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages.


  • Ways to Establish Financial Responsibility

Besides carrying liability insurance, you may also choose:

  • An indemnity bond from an authorized Idaho surety company
  • If you have 25 or more cars registered in your name you may opt for self-insurance. But to qualify you must provide proof of having a net worth of $500,000 or more.

If you choose liability insurance, the preferred coverage for most, you must carry the following minimum:

  • $25,000 for injury/death for one person.
  • $50,000 for injury/death to more than one person
  • $15,000 for damage to property.

Proof of Insurance and Financial Responsibility:

Upon registering you’ll be asked to sign a statement confirming your vehicle is insured.

For more information:

Idaho Transportation Department
3311 W. State Street · P.O. Box 7129
Boise, ID 83707-1129