Updated April 2026
Minimum Coverage Requirements in Idaho
Idaho requires minimum 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. The Idaho Transportation Department tracks points for moving violations, with serious offenses triggering SR-22 certificate requirements. Drivers with points from speeding tickets or at-fault accidents face rate increases but typically do not need SR-22 unless their license is suspended or they're convicted of DUI, reckless driving, or driving without insurance.
How Much Does Car Insurance Cost in Idaho?
Idaho drivers with points see rate increases based on violation type, points assigned, and how each insurer prices risk. A single speeding ticket (3–4 points) typically raises rates 20–40%, while an at-fault accident (4 points) can increase premiums 40–80%. Rates recover as points age and fall off your record after 3 years, but shopping carriers immediately after a violation often yields better results than waiting with your current insurer.
What Affects Your Rate
- Type of violation: reckless driving and DUI increase rates more than speeding
- Points assigned: Idaho uses 3–4 points for most moving violations, 4 points for at-fault accidents
- How recently the violation occurred: first 12 months see highest surcharges
- Your insurer's underwriting model: some carriers specialize in forgiving first violations while others surcharge uniformly
- Whether SR-22 filing is required: premiums with SR-22 are typically 50–150% higher than the same profile without
- Total points on record: crossing 8 points often moves you to non-standard carrier pricing
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Sources
- Idaho Transportation Department — Driver's License Point System
- Idaho Department of Insurance — SR-22 Certificate Requirements
- Idaho Statutes Title 49, Chapter 12 — Financial Responsibility