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The Gem State
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Idaho Auto Insurance
The state of the “Famous Potatoes” runs from Canada to Nevada and contains dozens of mountain ranges, rivers and farmland alongside green hillsides and pristine lakes. Wherever you choose to explore, some driving is likely to be involved. To stay protected on your adventures, the state of Idaho requires you to have minimum coverage for Auto Insurance.
You can get a quick and free quote from the AIS Instant Quote® form. Auto Insurance Specialists can help you figure out what coverages you need within your budget. You can submit your information for a quick quote or call our Insurance Specialists to learn more.
Required Auto Insurance in Idaho
Idaho requires all drivers to have Auto Insurance with Liability and Uninsured Motorist coverage. Having this minimum will help relieve the financial burden that comes with accidents that happen. The minimum Car Insurance requirement will also allow you to drive legally on the roads of Idaho. Even if your car is not currently registered, the state still requires you to have the minimum Liability Insurance. You are subject to fines or even jail time if you drive without insurance.
Although Idaho is one of the states with the lowest percentage of uninsured motorists, there are still a relevant number on the road without insurance or not enough. Idaho requires you to have some coverage to protect yourself from these drivers.
State Minimum Liability Coverage in Idaho
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
- PD or Property Damage: $15,000 per accident
Uninsured and Underinsured Motorist Coverage
Although Idaho is one of the states with the lowest percentage of uninsured motorists, there are still a relevant number on the road without insurance or not enough. The minimum amounts required for this coverage are:
- Bodily Injury Coverage: $25,000 per person; $50,000 for 2 or more people in an accident
- Property Damage: Not required
NOTE: You can opt out of uninsured motorist coverage; however, you must do so in writing with your insurance agent.
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Idaho
The state’s minimum requirements may not be enough to give you peace of mind. Luckily, you have the option to purchase additional coverage on top of the minimum that is required. Having these additional coverages will ensure that you have some financial protection against other costs related to your vehicle in the event of an accident or mishap.
- Comprehensive Coverage*: This coverage pays for damages to your car caused by covered incidents that are not related to collision. Covered causes may include fire, vandalism, water, hail, wind and falling objects.
- Collision Coverage*: If your car collides with another car or object, this helps pay for the related damages to your vehicle, up to your policy limits.
- Medical Payments: This coverage reimburses you for your or your passenger’s medical bills or funeral expenses that resulted from the car accident.
- Custom Equipment: This covers the equipment added to your car that is not standard to the vehicle at the time of manufacture.
- Rental Reimbursement: This coverage will give you reimbursement for the cost of renting a car if your car is out of use for more than 24 hours and if it is caused by a covered Collision or Comprehensive loss.
- Towing: With this coverage, you will get reimbursed for the towing costs of your car.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
You are under no obligation to purchase any of these optional Auto Insurance policies. But if you think that they may be right for you, call us at Auto Insurance Specialists to see about getting additional coverage.
Most Stolen Car Models in Idaho
Car models that are more likely to encounter theft will usually have a higher Auto Insurance premium. According to www.nicb.org these are the top car models that were stolen in Idaho for 2017:
- Ford Pickup (Full Size)
- Chevrolet Pickup (Full Size)
- Dodge Pickup (Full Size)
- Honda Accord
- Honda Civic
- GMC Pickup (Small Size)
- Jeep Cherokee/Grand Cherokee
- Toyota Camry
- Chevrolet Pickup (Small Size)
- Subaru Legacy
Idaho Auto Insurance Discounts
Taking advantage of Car Insurance discounts that you may qualify for can help lower your monthly premium. The best way to get low insurance rates is to have a good driving record that shows the insurer you are a good driver with low accident-risk.
Some other Idaho Auto Insurance discounts you may qualify for include:
- Business or Professional Group
- Good Student
- Alternative Fuel
- Transfer (Switching providers)
To learn more about specific discounts, visit our Discounts page.
Millions of people choose to live in Idaho because of the relaxing atmosphere, the natural scenery and the fun white-water adventures. However, trying to find the right Idaho Auto Insurance coverage can sometimes be difficult, especially for those who aren’t familiar with the confusing insurance industry terms and lingo. That's why the helpful, experienced professionals at Auto Insurance Specialists can be an instrumental asset to Idahoan drivers. For more information and a free quote on an Idaho Auto Insurance policy, call AIS today!