Idaho Auto Insurance Requirements: 25/50/15, the 50% Bar, and UM/UIM
Idaho requires 25/50/15 liability and uses modified comparative negligence with a 50% bar. Learn why minimums rarely fit serious accidents and how UM/UIM protects you when roughly 1 in 8 drivers is uninsured.
Compare auto insurance options and get a free personalized quote.
Get a Free QuoteIdaho Minimum Auto Liability: 25/50/15
Idaho law requires liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These limits are the legal floor to register and operate a vehicle — not a recommendation for how much coverage a household should carry.
Idaho is an at-fault state. The at-fault driver's liability insurance pays the other party's bodily injury and property damage up to policy limits. Liability does not pay for your own injuries or damage to your own vehicle — for that you need health insurance, medical payments coverage (where purchased), collision, and comprehensive.
The 50% Comparative-Negligence Bar
Idaho follows modified comparative negligence with a 50% bar. If you are 50% or less at fault for an accident, you can recover damages reduced by your percentage of fault. If you are more than 50% at fault, you cannot recover damages for your injuries from the other party.
That rule makes police reports, witness statements, dashcam video, and prompt claim documentation unusually important on I-84, US-20, and rural highways. Disputed-liability claims often turn on small differences in fault allocation.
Uninsured Motorists and Why UM/UIM Matters in Idaho
Roughly one in eight Idaho drivers is estimated to be uninsured. UM/UIM coverage pays your bodily injury losses (and, if purchased, property damage in some policy forms) when the at-fault driver has no insurance or insufficient limits.
Insurers must offer UM coverage, and you must reject it in writing if you decline it. VKOVR typically recommends UM/UIM limits that match your liability limits so you are not fully exposed to an uninsured or underinsured driver. After an accident, document the scene, exchange information, notify your insurer promptly if you may use UM/UIM or collision coverage, and seek medical evaluation when injuries are unclear.
Get personalized business coverage
VKOVR compares commercial insurance across multiple carriers to find the right fit for your business.
