Idaho Teen Driver Insurance for Parents & New Drivers
Idaho requires 25/50/15 liability coverage and is an at-fault state.
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Idaho at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
14½
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Idaho
Teen drivers in Idaho enter a graduated licensing system: learner's permit at age 15 with supervised driving for 6 months and 50 practice hours, supervised intermediate license at 15½ with a nighttime curfew (midnight–5 a.m. for the first 6 months) and passenger restrictions (no more than one non-family passenger under 17 unless a licensed driver 21+ is present), and full unrestricted license at 16½ or upon turning 17. Idaho does not legally mandate the good student discount, but nearly all major carriers in the state offer it voluntarily—parents should confirm eligibility and request it explicitly.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Idaho
$174–$321/mo
Typical monthly rate in Idaho, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
10pm-5am
Passengers
licensees 16 and younger: no more than 1 passenger younger than 17
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance for Teen Drivers
Pays for injuries and property damage your teen causes to others. Idaho's 25/50/15 minimums may not be sufficient if your teen is at fault in a multi-vehicle accident.
Collision Coverage for Teen Drivers
Covers damage to your teen's vehicle after an at-fault accident, minus your deductible. Required by lenders if the car is financed or leased.
Comprehensive Coverage for Teen Drivers
Pays for non-collision damage: theft, vandalism, hail, glass, and animal strikes. Idaho has a high incidence of deer and elk collisions, especially in rural and mountainous regions.
Uninsured/Underinsured Motorist Coverage
Protects your teen if they're hit by a driver with no insurance or insufficient coverage to pay for injuries and damages.
Full Coverage for Teen Drivers
Liability + collision + comprehensive, providing the broadest protection. Required by lenders if your teen's vehicle is financed or leased.
Good Student Discount
Reduces premiums (typically 15–25%) for teen drivers who maintain a B average or 3.0 GPA. Not legally mandated in Idaho, but offered by most major carriers.