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Idaho Car Insurance Guide

Idaho has some of the cheapest car insurance rates in the country, but this doesn’t make it easy to maneuver. We put together this guide to help you navigate car insurance in Idaho, we want your car insurance buying process to fit your personal needs- at the lowest rate. 

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Minimum Requirements

If you want to drive in Idaho you must have the minimum required car insurance limits. These requirements will protect other parties in the event you cause an accident. Here is a list of the car insurance requirements and their limits for Idaho:

Bodily Injury Liability Coverage

$25,000 per person and $50,000 per accident.

Property Damage Liability Coverage $15,000 per accident. 


Is the Minimum Coverage Enough?

Simply put, yes. If you decide to go with only the minimum car insurance requirements in Idaho, your insurance company will pay for bodily injury and property damage for the other party. However, what about YOUR bodily injuries and property damage? With just the minimum you are paying out-of-pocket for those costs. Adding additional coverage to help offset out-of-pocket costs is a great idea.


Additional Coverages Available

Here is a list of additional car insurance coverages available in Idaho to protect you in various scenarios

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in Idaho

Idaho follows a Graduated Drivers Program for all underage new drivers. At 14 ½ a learners permit will be issued, assuming all the criteria is met. This is the time to start looking into car insurance for teen drivers. Take a deep breath, your car insurance premiums will increase significantly if you add your teen to your existing policy. However, it is cheaper than a teen getting their own policy. A teen driver is held to the same standards as adult drivers and they must be insured. There are discounts available, check with your insurance agent to see if your teen meets the criteria. 


Multiple Drivers in the Same House

Do you have more than one driver in your house? If so, this information needs to be disclosed to your car insurance agent. This will ensure maximum coverage and alleviate the possibility of any back premiums or loss of coverage. 

If you wish to exclude a driver in your house you can do so, just make sure you tell your car insurance agent. You should never let an excluded driver use your vehicle because they will not be covered. Any damages that occur will be your responsibility and be out-of-pocket.


Idaho Penalties for Driving Without Car Insurance 

Like most of the other states, Idaho issues penalties for anyone driving without the minimum required car insurance. These penalties are serious and can even include jail time. We compiled a list of the offenses and their penalties:

  • First Offense- You will pay a fine of $75 and additional administrative fees. Your driver's license will be suspended until you provide proof of insurance and pay the $85 reinstatement fee. You will be required to file an SR-22 for a year. 

  • Second and Subsequent Offenses- You will pay a fine up to  $1000 and additional administrative fees. Your driver's license will be suspended until you provide proof of insurance and pay the $85 reinstatement fee. You will be required to file an SR-22 for a year. You could spend up to six months in jail. 


Car Insurance Discounts in Idaho

Car insurance companies in Idaho are no stranger to discounts. However, discounts are dependent upon your car insurance company. Not all companies offer the same discounts at the same rates. We encourage you to ask for a full list of discounts from your insurance agent. Here is a list of common discounts in Idaho: 

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


Get a Quote for Car Insurance in Idaho

Let help provide a car insurance quote that meets your needs. We are dedicated to finding you an affordable quote while maintaining the minimum requirements in the state of Idaho. There are many types of insurance policies to protect you and your vehicle, let us help you save time. Follow the three easy steps to get a quote from top providers in minutes.

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