Idaho Car Insurance
Last Updated on March 14, 2020
If you plan on driving in the good state of Idaho, there are some things that you need to consider in regards to auto insurance. Idaho is a big state, and like every other state in the country, auto insurance is required.
How Much Car Insurance Coverage Should I Get in Idaho?
Deciding on car insurance coverage in Idaho is a personal choice: it’s entirely up to you how much car insurance you want to add to your policy.
Idaho drivers are required to have at least $25,000 in bodily injury liability coverage per person, $50,000 in total bodily injury liability coverage per accident, and $15,000 in property damage liability coverage. Many Idaho drivers choose to exceed these limits. However, any additional insurance beyond these limits is entirely option: it’s up to you how much coverage and peace of mind you wish to buy. You’re not required to buy uninsured motorist coverage, underinsured motorist coverage, medical payments coverage, collision coverage, rental reimbursement, and other policies.
How is Fault Determined in Idaho Car Insurance Law?
In Idaho, multiple drivers can be found at-fault for an accident. Idaho has a “comparative negligence” law that allows for different drivers to have different degrees at fault. If you were less at fault than the other parties involved, then you will be awarded damages. If not, then you may need to pay damages and seek coverage through your own insurance company.
The Best Car Insurance Companies in Idaho
Idaho drivers can buy policies from the same car insurance companies as drivers in other states. All major nationwide providers serve drivers in Idaho. However, you can also find some smaller, local companies dedicated to serving drivers in Idaho and other neighboring states.
Some of the most popular car insurance companies in Idaho include American National, Progressive, Grange Insurance Association, USAA, GEICO, Allied, Allstate, and MetLife. You can also find local, regional providers like Mutual Enumclaw and Oregon Mutual, both of which are popular with drivers in Idaho.
The Cheapest Car Insurance Prices in Idaho
Idaho drivers pay some of the lowest rates on car insurance in the country. In fact, Idaho is routinely in the top 3 or top 5 cheapest states for car insurance. You can easily find good annual car insurance policies in Idaho for less than $1,000. You can maintain the basic legal liability coverage while still saving a lot of money on car insurance.
Which City in Idaho Pays the Cheapest Rates for Car Insurance?
Generally speaking, drivers in rural areas will pay lower prices for car insurance than drivers in urban areas. That means drivers in the greater Boise area will pay higher car insurance prices than, say, a driver in northern Idaho. Generally speaking, however, car insurance prices are competitive across the state. By comparing car insurance prices across Idaho today, you can ensure you pay the best rates on car insurance in the state.
Idaho Auto Insurance Requirements
Idaho is considered to be a “Tort” state. This means that if you live in and operate a motor vehicle in the state, you are responsible financially for any bodily injuries and/or property damage that are a result of an accident you caused.
Therefore, Idaho has made it law that you carry an automobile liability insurance policy minimum level of 25/50/15 (see the chart below).
Please note that these levels are low, and an increased level of coverage is recommended.
Idaho residents may also increase their protection by purchasing add-ons like collision, comprehensive, uninsured and under-insured motorist bodily injury coverage.
|Coverage Type||Required?||Minimum Coverage Amount Required|
|Bodily Injury Liability||Yes||$25,000 per person$50,000 per accident|
|Property Damage Liability||Yes||$15,000|
|Uninsured Motorist Bodily Injury||No||$25,000 per person$50,000 per accident|
|Personal Injury Liability||No|
Auto Insurance for Leased Vehicles in Idaho (ID)
Most leasing companies in Idaho typically require drivers to maintain insurance coverage which exceeds the minimums set by Idaho state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000
- Comprehensive and collision coverage: $500 maximum deductible
Contacts for Auto Insurance Information In Idaho
|Idaho Transportation Department: Division of Motor Vehicles
3311 W. State Street
PO Box 7219
Boise, ID 83707-1129
|Idaho Department of Insurance
700 West State Street
PO Box 83720
Boise, ID 83720-0043