Idaho Auto Insurance

Posted by Harry Wagner
Idaho Minimum Auto Insurance Requirements
  • Individual Bodily Injury Liability: $25,000
  • Total Bodily Injury Liability: $50,000
  • Property Damage Liability: $15,000

Are you tired of staying loyal to an Idaho auto insurance company that constantly raises your rates for no valid reason? If you feel like your Idaho car insurance rates are too high, it is time to start comparison shopping. Comparison shopping does not have to be a time-consuming chore when you use online rate comparison tools to your advantage. If you are ready to find the most competitive car insurance rates, enter your zip code in the field at the top of this page and get to pricing coverage from reputable companies who want your business. Before you take time to shop the rates that are currently available, be sure that you understand what the state of Idaho required so that you know exactly what you are paying for.

What Are the Mandatory Auto Insurance Requirements in Idaho?

In the state of Idaho, you are required by law to carry liability insurance when your vehicle is registered in the state. If you fail to carry the state-mandated minimums for liability coverage, you may be penalized and fined. The minimum liability amounts that are required by Idaho state officials are as follows:

  • Bodily Injury Liability: $25,000 per person/ $50,000 per accident
  • Property Damage Liability: $15,000 per accident

Carrying these limits with offer you limits protection, but it is in your best interest to purchase higher limits and optional forms of coverage if you can. Liability insurance is designed to pay for third party injuries and damage, but it will not pay to cover your medical treatments and your repairs. If you want protection, the optional coverages that you can purchase from leading insurance companies in Idaho include:

  • Comprehensive
  • Collision
  • Uninsured Motorist and Underinsured Motorist
  • Medical Payments
  • Towing & Labor
  • Rental Reimbursement

The Importance of Carrying Adequate Insurance

Just because carrying auto insurance in ID is a requirement does not mean that all drivers in the state comply with these mandatory insurance laws. If you carry state minimums and you are hit by a driver without insurance, paying for your medical bills and your vehicle repairs can cause financial hardship. You might be wondering what the chances of getting hit by an uninsured driver really are. Believe it or not, the Insurance Research Council calculates that 1 in every 10 drivers in the state are uninsured, which makes your chances very high. Take your time when you are retrieving Idaho auto insurance quotes and purchase optional cover like UM and Medical Payments so that you can rebuild easily.

Tips on Saving Money Off of Your Auto Insurance

If you want to find cheap car insurance in ID, you do not have to purchase the state minimums. Here are some money-saving tips so that you can keep your rates low:

  • Compare the rates offered by several Idaho insurance companies at least once per year
  • Give the company a Letter of Experience from your prior insurer to receive a prior insurance discount.
  • Insurance multiple household vehicles with the same company for a multi-car discount.
  • Buy property insurance and auto insurance from the same carrier for multi-line discounts off of both lines of insurance.

Wise consumers take the time to comparison shop so that they are never overcharged. If you are trying to find Idaho insurers who are competing for your business, use the online rate comparison tool and get started today. By entering your data, you can save hundreds in premium dollars and keep the cash in your pocket.