Idaho Auto Insurance Guide

As one of the fastest growing states in the country, Idaho is attracting more and more new drivers each year. Like every state, all drivers must meet specific requirements when it comes to their auto insurance in Idaho. There's never been a better time to get your insurance policy and we can help with this informative state guide!

Idaho Insurance Regulations

Auto insurance laws in Idaho dictate that all vehicles must have liability insurance that meets the mandatory minimum coverage amounts. Drivers are required to carry proof of their auto insurance policy while driving at all times. If a driver is found to be driving without proper coverage or proof of insurance, they can receive fines up to $75 from law enforcement. Repeat offenders may receive harsher punishments, such as having to prove financial responsibility to the state government for over a year.

Mandatory Minimum Coverage in Idaho

Auto insurance laws in Idaho use the 25/50/15 standard for minimum liability coverage:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $15,000 property damage in an accident

Motorcycle Coverage Requirements

For motorcycle drivers, the minimum auto insurance requirements are identical to those for standard vehicles. Keep in mind that motorcycle insurance policies are often more expensive than their normal counterparts, due to the increased risk associated with driving them:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $15,000 property damage in an accident

Idaho Auto Insurance Advice

Drivers in Idaho enjoy one of the country's lowest average auto insurance costs, with most minimum policies ringing in at under $600 dollars. With auto insurance in Idaho so affordable though, most consumers should have no problem going above and beyond the mandatory minimums outlined by auto insurance laws. If it's in your budget, it's highly recommended that you include collision and underinsured motorist coverage in your policy. These extra provisions will help keep you financially protected in case of an accident, even if the other driver doesn't have meet the state's required auto insurance coverage.