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Idaho: rules and deadlines at a glance
Every 14 topic we track for Idaho on one page. Open a topic for the details, the law it comes from and how Idaho compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Shared fault rules · Accident reporting rules · Lemon law rules · Sales tax rates · Phone-while-driving laws · Motorcycle helmet laws · Gas tax · Uninsured drivers · Marijuana laws
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 2 years |
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| Property damage | 3 years |
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| Minimum liability | $25,000 / $50,000 / $15,000 |
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| Fault system | At-fault (the driver who caused it pays) |
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| Shared-fault rule | Modified comparative: barred at 50% fault or more |
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| Acknowledge | No fixed number of days; must act with reasonable promptness |
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| Accept or deny | No fixed number of days |
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| Pay | Not set by rule |
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| Dollar limit | $15,000 (since July 1, 2026; was $5,000) |
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| Filing fee | $69 |
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| Lawyers | Not at trial |
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| Total loss rule | Total loss formula |
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| Rule | Modified comparative negligence (50% bar) |
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| When you are barred | Barred if you are 50% or more at fault |
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| Report required if | Death, injury, or over $1,500 damage |
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| Deadline | Immediately |
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| Repair attempts or days | 4 attempts or 30 business days |
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| Coverage period | 2 years or 24,000 miles |
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| State rate | 6.00% |
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| Combined average | 6.03% |
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| Handheld ban | Yes, all drivers (primary) |
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| Texting ban | Yes, primary |
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| Law type | Partial |
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| Who must wear one | Riders under 18 |
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Gas tax Single detailed source
| Gasoline | 33.0¢ per gallon |
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| Diesel | 33.0¢ per gallon |
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| Drivers uninsured | 6.4% |
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| UM/UIM coverage | Not required (insurers must offer it) |
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