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Idaho’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Idaho:

Is it mandatory to have car insurance in Idaho? 


What are the minimum limits for Idaho? 

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$15,000 property damage per accident



Dairyland® coverage in Idaho

At Dairyland, we’re proud to be able to help drivers in Idaho meet their insurance needs. Here are some of the parameters of our insurance coverage in Idaho:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Idaho?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in Idaho? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury must be offered, but they can be rejected.

What are all the coverages Dairyland offers in Idaho?

  • Rental Reimbursement
  • Collision
  • Comprehensive
  • Uninsured Motorist/Underinsured Motorist Bodily Injury
  • Lienholder Deductible
  • Special Equipment
  • Towing and Labor
  • Uninsured Motorist Property Damage
  • Medical Payments
  • Bodily Injury
  • Property Damage

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Idaho? 

20 years 

How far back does Idaho go to look at violation history?  

3 years

What additional policy types are offered in Idaho? 

Broad Form and Named Non-Owner

Is an insurance score used in my rating in Idaho? If so, is it mandatory?  

Yes, but it’s not mandatory.

What policy terms does Dairyland offer in Idaho?  

1, 2, 3, and 6 months, and customized terms.

What is Dairyland’s minimum down payment option in Idaho?

One month down.

Are SR22s used in Idaho?  If so, is there a fee assessed by Dairyland? Is it filed electronically?

SR22s are used, filed electronically for free.

What discounts are available from Dairyland in Idaho?

  • Advance quote
  • Defensive driver
  • Homeowners
  • Multi-car
  • Paid in full
  • Prior insurance
  • Quarterly 
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