What is Idaho's minimum liability coverage for property damage in one crash?
- $25,000
- $10,000
- $15,000
- $5,000
Show the answer
$15,000
Injury coverage must be at least $25,000 per person and $50,000 per crash.
Idaho Insurance & Collisions practice test
Practice required coverage and what to do after a crash: 22 questions based on the Idaho Driver's Handbook, 10 of them on Idaho's own rules.
Key Idaho facts: Insurance & Collisions
- A driver in a crash must stop at or near the scene; on a divided controlled-access highway or interstate, a non-injury crash vehicle that can be driven must be moved to the shoulder, median or emergency lane. Idaho Code 49-1301(1)-(2); Crashes & the Law, PDF p. 121
- The driver must immediately notify police of a crash causing injury or death or more than $1,500 in damage to any one person's property. Idaho Code 49-1305(1); Crashes & the Law, PDF p. 121
- After hitting an unattended vehicle, stop and either find the owner or leave a written note in plain view with the driver's and owner's names and addresses and what happened. Idaho Code 49-1303; If You Hit an Unattended Vehicle, PDF p. 119
- Leaving the scene of a crash is a misdemeanor and brings a one-year license revocation. Idaho Code 49-1301(3)-(4); 49-326(1)(l)-(m)
- Required liability coverage is at least $25,000 for injury or death of one person, $50,000 for two or more people and $15,000 for property damage in one crash. Idaho Code 49-117(20); 49-1229(1)
Sample Insurance & Collisions questions
Above what amount of property damage must you report a crash to police in Idaho?
- $1,000
- $1,500
- $500
- $2,500
Show the answer
$1,500
Crashes with any injury or death must also be reported right away.
Source: Idaho Code, Idaho Code 49-1305(1); Crashes & the Law, PDF p. 121
What is the fine for a first offense of driving without insurance in Idaho?
- $500
- $75
- $25
- $1,000
Show the answer
$75
A second conviction within five years is a misdemeanor.
You let an unlicensed friend drive your car and they crash. Who is responsible?
- Only your insurance company
- Both you and the driver
- Only the driver
- Only you
Show the answer
Both you and the driver
Owners who allow unlicensed drivers share responsibility for damage, injury or death.
Source: Idaho Driver's Handbook, Address Change, For your own protection, PDF p. 30
You hit a parked car and can't find its owner. What must you do?
- Wait two hours for the owner
- Drive away and call later
- Report it only if damage is over $1,500
- Leave a note with your name and address
Show the answer
Leave a note with your name and address
The note should also explain what happened.
Source: Idaho Code, Idaho Code 49-1303; If You Hit an Unattended Vehicle, PDF p. 119
Can you show proof of insurance on your phone in Idaho?
- No, only a printed paper card counts
- Only if the officer agrees to view it
- Yes, electronic proof is accepted
- Only during the skills test
Show the answer
Yes, electronic proof is accepted
Proof must be in the vehicle or with the driver whenever it is driven.
What is Idaho's minimum liability coverage for injury to one person?
- $15,000
- $50,000
- $25,000
- $10,000
Show the answer
$25,000
The minimums are $25,000/$50,000 for injuries and $15,000 for property damage.
Your non-injury crash happens on an interstate and your car still drives. What must you do?
- Drive to the next town first
- Move it to the shoulder or median
- Leave it where it stopped
- Wait in the lane for police to arrive
Show the answer
Move it to the shoulder or median
Moving it does not make you at fault for the crash.
Source: Idaho Code, Idaho Code 49-1301(1)-(2); Crashes & the Law, PDF p. 121
What happens to the license of a driver convicted of leaving the scene of a crash in Idaho?
- It is restricted to daylight hours
- It is revoked for one year
- It gets two points
- It is suspended for 30 days
Show the answer
It is revoked for one year
Leaving the scene is also a misdemeanor.
Source: Idaho Code, Idaho Code 49-1301(3)-(4); 49-326(1)(l)-(m)
After a first no-insurance violation, how long must you file proof of financial responsibility?
- Six months
- One year
- Five years
- Three years
Show the answer
One year
A second offense within five years means three years.
Source: Idaho Driver's Handbook, Getting Your Driving Privileges Back, PDF p. 128
More Idaho practice
- Full practice testAll topics, as in the knowledge test
- Road SignsWhat signs mean and what to do when you see them89 questions, 11 on Idaho rules
- Right-of-WayWho goes first at intersections, crosswalks and roundabouts31 questions, 13 on Idaho rules
- Traffic SignalsLights, arrows and pedestrian signals21 questions, 12 on Idaho rules
- Lanes & TurnsLane markings, turns, passing and merging32 questions, 11 on Idaho rules
- Speed LimitsLimits and how to adjust your speed22 questions, 10 on Idaho rules
- ParkingCurb colors, hills and where you can't park23 questions, 11 on Idaho rules
- Safe DrivingFollowing distance, weather, night driving and sharing the road55 questions, 22 on Idaho rules
- Alcohol & DrugsBlood alcohol limits, DUI rules and medication32 questions, 14 on Idaho rules
- EmergenciesBreakdowns, emergency vehicles and railroad crossings23 questions, 14 on Idaho rules
- License RulesPermits, restrictions for new drivers and points28 questions, 28 on Idaho rules
- Phones & DistractionPhone rules and other distractions18 questions, 11 on Idaho rules
About these questions
We wrote these practice questions from the facts in the Idaho Driver's Handbook (Idaho Driver's Handbook, July 2026 edition (cover dated JULY 2026; driver_manual.pdf in ITD's 2026/04 uploads, 139 PDF pages, form number 01-9530906 on the back cover), the handbook linked from ITD's 'Taking the Driver's Test' guide, read 2026-11-10. The older upload path (wp-content/uploads/2016/06/driver_manual.pdf) served a byte-identical file on 2026-11-10. Page numbers cited are PDF pages, which equal the printed page numbers. PDF page 67 (highway map) and the sign illustrations have no text and were not used. Page 2 states that the handbook paraphrases Idaho statutes and that courts follow the statutes, so every legal rule used in questions was checked against the Idaho Code on legislature.idaho.gov (Title 49, Title 18 chapter 80 and 23-505, read 2026-11-10, with the 2026 amendment history shown on each section). Questions follow the statute. Out-of-date or inconsistent handbook statements and how they were handled: (1) Cell phones (PDF pp. 92-93) describe only a ban on reading, writing or sending text messages, with no points and a moving violation only for commercial drivers. Since July 1, 2020 (fines from January 1, 2021) Idaho Code 49-1401A bans operating a motor vehicle while using any mobile electronic device, including while stopped in traffic, except hands-free or voice use with one touch, emergency calls and hands-free navigation; it is a moving infraction ($75, $150 for a second within three years, $300 after that), three convictions in three years allow a court suspension up to 90 days, a first conviction carries no points, and it is a primary offense. Questions follow the statute; no question uses the handbook's texting-only description. (2) Signal timing: PDF p. 72 says five seconds 'on freeways or highways' and PDF p. 87 'five seconds or 100 feet'; Idaho Code 49-808(2) requires five seconds on controlled-access highways and when leaving a parked position, and the last 100 feet in all other cases. Questions use the statute (100 feet on city streets, five seconds on freeways); signal_before_turn_ft is 100. (3) High-beam dimming: PDF p. 43 says dim 200 feet before overtaking; Idaho Code 49-923(3) requires low beams when following within 200 feet except while actually overtaking and passing. Questions and dim_following_ft use the statute's wording. (4) School bus: PDF p. 70 says opposing traffic need not stop on highways with four or more lanes and two lanes in each direction; Idaho Code 49-1422(1) exempts oncoming traffic on a highway of more than three lanes. The question uses the statute. (5) Passing speed exception (PDF p. 77) covers only two-lane roads; 2026 amendments to Idaho Code 49-654(2)(b) also allow it in passing lanes posted 55 mph or more outside cities. The question is limited to the two-lane case, which both state. (6) Freeway speeds: PDF pp. 83 and 85 say up to 80 mph on rural and 65 mph on urban interstates; Idaho Code 49-654(2)(a) sets 75 mph on interstates unless posted (80 after a study) and 35 mph in urban districts unless posted. Questions use the statute's defaults (PDF p. 68 matches it). (7) Skills test order: PDF p. 33 says the knowledge and skills tests may be taken in either order, while ITD's 'Taking the Driver's Test' page says the knowledge test must be passed first except by applicants under 17 on a supervised instruction permit; not tested. (8) The handbook's bicycle passing distance of at least three feet (PDF pp. 98, 101) is advice; Idaho Code 49-632(1) requires only a safe distance, so bicycle_pass_ft is left open and the one question on it asks what the handbook recommends. (9) Seat belts (PDF p. 41: all occupants) are limited by Idaho Code 49-673 to vehicles up to 8,000 pounds, with secondary enforcement and a $10 fine; the question reflects the statute. Insurance minimums (25/50/15) are not in the handbook and come from Idaho Code 49-117(20) and 49-1229. DUI, test refusal and administrative suspension penalties (PDF pp. 125-127, 131-132), crash reporting over $1,500 (PDF pp. 119, 121), parking distances (PDF p. 81), railroad stopping distance (PDF p. 60), move-over (PDF p. 95), the GDL rules (PDF pp. 15-19) and GDL penalties (PDF p. 125) match the current statutes. edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.
DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Idaho Transportation Department, Division of Motor Vehicles, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.