Idaho Auto Insurance

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Required Coverages

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/15 or 25,000/50,000/15,000

Idaho's Financial Responsibility law requires you to maintain liability limits of at least:

The first number is the maximum amount that your policy will pay for bodily injury to or death of one person in any one accident

The maximum amount that your policy will pay for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit.

The maximum amount that your policy will pay for damage to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

Under Idaho law, you are required to provide documentary proof of financial responsibility when registering your vehicle or at the request of law enforcement officials.

Car insurance companies are required to notify the Idaho transportation department whenever a policy is issued or terminates for any reason.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, with fines ranging from $75 to $1,000, and possible imprisonment for up to six months.

In addition to these statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

Related Links:

Idaho Transportation Department

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.