Is Idaho a no-fault state?
No. Idaho is an at-fault state. The driver who caused the crash, through their liability insurance, pays for the other people's injuries.
Last checked November 9, 2026 · Official sources (4)
How does Idaho car insurance work?
“Bodily Injury Liability coverage helps pay for other drivers' and passengers' injuries when the policyholder is at-fault in an accident.”
Idaho Department of Insurance
What is Idaho's minimum car insurance?
| Coverage | What Idaho requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $15,000 |
| Uninsured motorist | Insurers must include uninsured and underinsured motorist coverage unless you reject it in writing. |
Other at-fault states
Questions
How much insurance does Idaho require?
At least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage (25/50/15).
What if you were partly at fault in Idaho?
You can recover money only if your fault is less than the other side's; your award is cut by your share of fault, and at 50% or more you get nothing.
Hurt in a crash in Idaho? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (4)
- Idaho Department of Insurance, checked 2026-11-09. “Bodily Injury Liability coverage helps pay for other drivers' and passengers' injuries when the policyholder is at-fault in an accident.”
- Idaho Transportation Department, checked 2026-11-09. “$25,000 for injury or death of one person in any one accident. $50,000 for injury or death of two or more persons in any one accident. $15,000 for damage or destruction of property of others in any one accident”
- Idaho Department of Insurance, checked 2026-11-09. “Insurance companies are required to provide Uninsured Motorist (UM) Bodily Injury coverage & Underinsured Motorist (UIM) Bodily Injury coverage, unless a named insured has rejected the coverages in writing.”
- Idaho State Legislature (Idaho Code), checked 2026-11-09. “if such negligence or comparative responsibility was not as great as the negligence, gross negligence or comparative responsibility of the person against whom recovery is sought, but any damages allowed shall be diminished in the proportion”