Idaho Insurance Requirements & Rates

Idaho requires minimum liability coverage of 25/50/15 (bodily injury per person / per accident / property damage). Idaho is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

Idaho homeowners face risks from wildfires, flooding, earthquakes, landslides. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,738.

Idaho requires riders under 18 to wear helmets. Lane splitting is not legal. The riding season is may–september.

Yes, workers' compensation insurance is required in Idaho. Sole proprietors and partners may opt out. Idaho has approximately 200,000 small businesses, with top industries including Agriculture, Technology, Manufacturing.

Yes, Idaho has expanded Medicaid. The state has its own state-based health insurance marketplace at https://www.yourhealthidaho.org. The uninsured rate is 10.5%.

Yes, landlords in Idaho can require tenants to carry renters insurance as a condition of the lease. About 30% of Idaho residents are renters, with average monthly rent of $1,025.

With a median household income of $64,520, most Idaho families should consider 10-12x their annual income in life insurance coverage. Currently, 51% of Idaho households have life insurance.