Car insurance in Idaho (25/50/15)
- Minimum car insuranceIdaho requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Uninsured and underinsured motorist bodily injury coverage is included automatically unless a named insured rejects it in writing. PIP is not required. Source
- Fault systemIdaho is an at-fault (tort) state: the driver who causes a crash, and their liability insurer, pays for the other people's injuries and damage. Source
Business insurance rules in Idaho
- Workers’ compensationEmployers with one or more full-time, part-time, seasonal or occasional employees must have workers' compensation before the first employee is hired. There are limited exemptions, such as household domestic service, a sole proprietor's family members living in the household, and some owners and officers. Waivers are not allowed, Idaho is not monopolistic, and there is no opt-out. Source
- Contractor licensingContractors must register with the Idaho Contractors Board (Division of Occupational and Professional Licenses) for jobs over $2,000 in labor and materials. Registration requires general liability insurance of at least $300,000 single limit and proof of workers' compensation or a statement of exemption. No license bond is required by law. Source
Home insurance in Idaho
- Home insurer of last resortIdaho has no FAIR Plan or other state insurer of last resort for homes. Wildfire is the main catastrophe exposure, and the 2026 legislature took up bills on wildfire-related homeowners nonrenewals and mitigation. Source
Disasters, floods, hail, tornadoes and earthquakes in Idaho
| Measure | Idaho | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 17 | #41 of 51 | Most often for flood (9), severe storm (6), fire (1). Kootenai County has been in 7 of them. |
| National Flood Insurance Program claims, 2005–2025 | 602 | #48 of 51 | $6.2 million paid; 47% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 15% | #39 of 50 | 2,076 policies for 13,801 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 219 | #39 of 51 | 7 of them 2 inches or larger. Largest stone 2.75 inches, Idaho County, August 2019. |
| Tornadoes, 2016–2025 | 20 | #41 of 51 | 0 rated EF2 or stronger; 226 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 75 | #7 of 51 | Largest: magnitude 6.5, Stanley, Idaho, March 31, 2020. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Idaho.
Worth knowing in Idaho
Idaho is one of the states without a FAIR Plan, so homeowners turned down for wildfire risk have no state-backed fallback insurer.
Idaho’s insurance regulator
Insurance in Idaho is regulated by the Idaho Department of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Idaho (NPN 21022298), so requests from Idaho are handled by him directly.
Common questions
What is the minimum car insurance in Idaho?
Idaho requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Uninsured and underinsured motorist bodily injury coverage is included automatically unless a named insured rejects it in writing. PIP is not required.
Is Idaho a no-fault state?
Idaho is an at-fault (tort) state: the driver who causes a crash, and their liability insurer, pays for the other people's injuries and damage.
Do employers in Idaho need workers’ comp?
Employers with one or more full-time, part-time, seasonal or occasional employees must have workers' compensation before the first employee is hired. There are limited exemptions, such as household domestic service, a sole proprietor's family members living in the household, and some owners and officers. Waivers are not allowed, Idaho is not monopolistic, and there is no opt-out.
What can a Idaho homeowner do if no insurer will write the house?
Idaho has no FAIR Plan or other state insurer of last resort for homes. Wildfire is the main catastrophe exposure, and the 2026 legislature took up bills on wildfire-related homeowners nonrenewals and mitigation.
Sources
- Idaho: Minimum car insurance
- Idaho: Fault system
- Idaho: Workers’ compensation
- Idaho: Home insurer of last resort
- Idaho: Contractor licensing
- Idaho: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.