Liability insurance is the minimum legal requirement in Idaho — it covers damage you cause to other people and their property. The average cost is $32/month with 25/50/15 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Idaho requires minimum limits of 25/50/15, but most insurance experts recommend at least 50/100/50 — especially with 7% of Idaho drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (25/50/15) | $32/mo | $380 | Other people's injuries & property |
| Full Coverage | $115/mo | $1,380 | Others + your own vehicle |
Switching from full coverage to liability-only saves $996/year in Idaho — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $504 | $84/mo |
| GEICO | $522 | $87/mo |
| Progressive | $588 | $98/mo |
| State Farm | $648 | $108/mo |
| Farmers | $738 | $123/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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