A legal minimum is a starting requirement—not a recommendation for your household.
Read Idaho’s liability minimums correctly
Idaho’s minimum bodily injury liability coverage is capped at $25,000 for each injured person and $50,000 total per accident. The $15,000 property damage liability limit is separate. Higher limits are available. Verify current requirements with Idaho DOI when you shop.
Idaho DOI · Required auto coverageSeparate liability from protection for your own vehicle
Liability coverage addresses covered harm you cause to others. Collision and comprehensive coverage address different kinds of loss to your own vehicle, subject to terms and deductibles. A minimum-liability quote is not equivalent to a quote that includes these coverages.
NAIC · Consumer guide to auto insurance (PDF)Ask about uninsured and underinsured drivers
Idaho requires uninsured and underinsured motorist bodily injury coverage unless a named insured rejects it in writing. Discuss what these coverages do and what rejecting them would mean before signing. They are not the same as collision coverage.
Idaho DOI · Required auto coverageBring an accurate picture
Use the same drivers, vehicles, usage, limits, and deductibles for each quote. Ask about changes in commuting or business use. If a lender or lease has requirements, bring those too. Price is only comparable when the details are comparable.
NAIC · Consumer guide to auto insurance (PDF)TAKE THESE TO YOUR AGENT
Three questions to start with.
- What would higher liability limits cost?
- Which coverages protect my vehicle, and which protect other people?
- What changes when I change this deductible?
Sponsored by Grant Rosandick. Use these questions with any licensed agent. Public sources are provided for further reading; they do not endorse this guide or its sponsor.