Penalties for driving without insurance in Idaho
Driving without insurance in Idaho is against the law. If you’re caught without car insurance
or unable to present proof of insurance
, you could face the following penalties: | | Second and subsequent offense |
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| | |
| | |
| | Up to 6 months, or combined jail time and fine |
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| License suspension until proof of insurance is provided for each offense | License suspension until proof of insurance is provided for each offense |
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FAQs
Is car insurance required in Idaho?
Yes—all drivers must carry car insurance that meets Idaho’s car insurance laws. Proper insurance is also required to register your car with the Idaho DMV. Driving without insurance may result in penalties that range from fines to jail time and SR-22 requirements.
Do you need car insurance to register a car in Idaho?
When you register your car at the Idaho Department of Motor Vehicles (DMV), you’ll need to show proof of valid car insurance along with the following:
Out-of-state title and application (if applicable)
Certificate of title application
Motor vehicle inspection certificate.
What is minimum coverage car insurance in Idaho?
Idaho's minimum car insurance requirements include coverage for bodily injury and property damage with limits of at least 25/50/15:
$50,000 for bodily injuries per accident
A maximum of $25,000 for bodily injury per person
Up to $15,000 in third-party property damage
Is Idaho a no-fault state?
Idaho is an at-fault or tort state, meaning if you’re found at fault for an accident, you are responsible for paying the other party’s medical and property repair costs. If their expenses exceed your auto insurance policy’s limits, the remainder will come from your pocket.
How much does car insurance cost in Idaho?
On average, the monthly cost for Idaho’s minimum amount of liability insurance is around $103 or $1,232 annually. For full coverage insurance, the average monthly cost is approximately $142, totaling $1,704 per year.