Idaho Code
Idaho Code

Idaho Code § 49-1428 (2026)

Financial responsibility. 

✓ text as last checked Oct. 2026 (this copy records no edition or section history)
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Financial responsibility. 

(1) It shall be unlawful for any person to operate a motor vehicle upon highways without a valid policy of liability insurance in full force and effect in an amount not less than that provided in section 49-117, Idaho Code, or unless the person has been issued a certificate of self-insurance pursuant to section 49-1224, Idaho Code, or has previously posted an indemnity bond with the director of insurance as provided in section 49-1229, Idaho Code.

(2)  It is an infraction punishable by a fine of seventy-five dollars ($75.00) for any person to violate the provisions of this section for the first time. A second and any subsequent conviction of a violation of the provisions of this section or the provisions of section 49-1229 or 49-1232, Idaho Code, within five (5) years shall be a misdemeanor, punishable by a fine not exceeding one thousand dollars ($1,000), or by imprisonment in the county jail not exceeding six (6) months, or both. The department shall notify any person convicted of a violation of this section of the penalties which may be imposed for a second and any subsequent conviction.
Notes of Decisions
Cited in 2 cases, 2006–2011 · leading case: Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011).
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Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011). · cites it 2× “C. § 49-117(18). Subject to some limited exceptions, nobody may operate a motor vehicle on public highways in Idaho without carrying the statutory minimum amount of liability insurance.”
State v. Callaghan, 153 P.3d 1202 (Idaho Ct. App. 2006). · cites it 2× “Next, section 49-1428 makes it an infraction (for first offense) or a misdemeanor (for subsequent offenses) for a person to operate a vehicle in this state without a valid policy of liability insurance.”
Idaho Code § 49-1428(1): 1 case
Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011). “C. § 49-117(18). Subject to some limited exceptions, nobody may operate a motor vehicle on public highways in Idaho without carrying the statutory minimum amount of liability insurance.”
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