Idaho Car Insurance

Idaho Auto Insurance—Driving in ID

Idaho is home to a multitude of natural and man-made beauties. It's the 14th most expansive state in the U.S., and its area is larger than all of New England. Given that Idaho's landlocked (it's surrounded by six states and the Canadian province British Columbia) and so spacious, it's become an ideal place for back country driving. But before you take a trip to Railroad Ridge or tackle a back country ride from Yankee Fork to Loon Creek, make sure you have proper insurance. Fortunately, you can get an Idaho car insurance quote with GEICO anytime.

Idaho Car Insurance—Important Rules to Know

Review these Idaho car insurance laws and double-check that you're properly insured before you go.

  1. Anyone who operates a vehicle in Idaho must have liability insurance, whether the vehicle is registered or not.
  2. Idaho drivers must sign a statement that certifies the vehicle they're registering is and will be insured.
  3. If you're caught driving without insurance in Idaho, you may receive a fine starting at $75 and up to $1,000 and first-time offenders may have to provide proof of financial responsibility up to an entire year.
  4. Any future convictions after an initial car insurance lapse is considered a misdemeanor and could result in a fine up to $1,000 and jail time for up to six months.

Learn more about Idaho Car Insurance Requirements

Your Idaho car insurance must include at least the following coverages:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: $15,000 per accident
  • Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident*
  • Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident*

*Please note Uninsured Motorist and Underinsured Motorist Coverages may be rejected by signing a form. A licensed GEICO agent will help assist you with this process.

Idaho Teen Driver Laws

Teens may begin driving at 15 in Idaho. All Idaho teen drivers must complete the state's Graduated Driver's License program. To start, teens must acquire a Supervised Instruction Permit (SIP) and complete a six-month, violation-free supervised instruction period. Drivers holding an SIP must be accompanied by a passenger who is at least 21 years old and has a valid driver's license. Once the teen driver completes 50 hours of supervised driving, 10 of which must be at night, he or she may apply for a driver's license.