Idaho Transportation Department Insurance Verification

On January 1, 2020, Idaho Code 49-1234 requires the Idaho Transportation Department (ITD) to match information from motor vehicle registration records with an insurance verification system to determine whether the owner of a motor vehicle has established financial responsibility for the vehicle. Notify the State of Idaho online today! 

As a registered owner of a vehicle, you will be required to maintain current insurance coverage. If a registered vehicle does not have insurance reported for three consecutive months, ITD will suspend that registration.

ITD receives data from Idaho-licensed insurance companies that identifies each vehicle with coverage. If you have a policy from an out-of-state insurance company, your vehicle may be covered but not reported to ITD. If this is the case, your vehicle will be classified as not having insurance until proof is provided to ITD through an alternate method.

Yes. When registrations are identified as having no valid insurance for two consecutive months, ITD is required to notify the vehicle owner(s). Owners will have 30 days to provide proof of insurance or provide an exception to ITD, or the registration will be suspended.

Both proof of current insurance coverage AND payment of the $75 suspension fee are required prior to registration reinstatement. Payment can be provided by mail, phone, or online.

Yes. ITD may suspend the registration on any vehicle not covered by insurance for any three consecutive months.

Yes. In addition to the reinstatement fee, you will need to provide proof of insurance. The suspension is tied to the vehicle, not to the owner.

No. If you can provide proof of valid insurance before the 90 days, ITD will waive your reinstatement fee. ITD relies upon insurance companies to report information electronically to identify vehicles that are or are not covered. There could be instances where an insurance company has failed to provide this information to ITD.

No; however, if the vehicle is operated or parked on the roadway while the registration is suspended, you may be subject to citation.

Your vehicle registration will be suspended if you do not respond to the notice, even if you did not receive it. You are responsible for maintaining your address with ITD.

The vehicle registration will be suspended until proof of insurance and the reinstatement fee are submitted. If the vehicle is driven or parked on an Idaho street, road, or highway while the registration is suspended, you may be subject to citation.

No. The vehicle cannot legally be operated until the registration is reinstated.

Yes. A vehicle with suspended registration cannot be renewed until the suspension is cleared.

Your out-of-state insurance company will not report to the Idaho database. You must send ITD an insurance certification with the exception form for the vehicle registered in Idaho to avoid suspension.

An insurance policy will list all vehicles covered. Please provide this policy to ITD if you receive a warning notice.

Commercial vehicles (Idaho Code 49-434) and vehicles that are not required to provide proof of insurance are excluded. (Registration exclusions ie. golf carts, implements of husbandry.)

1. Vehicles registered to a commercial business, covered under a business type general liability umbrella that covers all vehicles.
2. Registered vehicles that have been sold (or are in the process of being sold), or moved out of state, but have not had the associated registration cancelled.

1. Individuals who seasonally garage their vehicles or snowbirds that are still registered but cancel insurance while not operating the vehicle. Non-Use Form (ITD3119) will need to be completed and returned to ITD.
2. Insurance not reported to the insurance verification system (example: out-of-state insurance company)
3. Indemnity bond [Idaho Code 49-1229(2)]
4. Self-insurance (Idaho Code 49-1224)

Proof of insurance must be sent to ITD with the Exception Form (ITD3117). This form will be available online and mailed out with an initial insurance verification request.