Auto Insurance in Idaho (ID)

Luckily for Idaho drivers, the state has some of the lowest average auto insurance premiums in the nation, thanks to a relatively low population and few urban areas. One study even found that Idaho has the fourth most knowledgeable drivers in the nation! That’s good news for your family’s safety as well as your budget. Other factors that affect your car insurance premiums include your driving record, what kind of car you drive, and whether you drive to work every day.

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How much auto insurance do I need in Idaho?

Idaho is a tort state, which means that the driver at fault in an accident is responsible for both parties’ medical expenses and property damage and losses. Like most states, Idaho requires its drivers to carry minimum amounts of liability coverage. Idaho drivers must have at least $25,000 of bodily injury coverage per person and $50,000 of bodily injury coverage per accident. You must also carry $15,000 of property damage coverage. Drivers who are found not to have liability coverage could have their licenses suspended.

You will probably want to carry more than the minimum coverage levels and options to adequately safeguard your family and your vehicle. You will also want more coverage to protect your family’s financial assets—such as your home and investments—in the event of high medical costs or a lawsuit. An insurance professional can help you figure out how much coverage you need.

What Auto Insurance Discounts Are Available in Idaho?

As an Idaho driver, you may receive discounts on your car insurance premiums if you own a hybrid car. You may also receive a discount if you buy your policy online, or if you have multiple cars on the same policy. It’s a good idea to ask about any other breaks you might be eligible for if your car is equipped with safety devices such as antilock breaks and airbags.

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Insurance companies offering auto coverage in Idaho include AAA, AARP, AIG, AIS, Allstate, American Family Insurance, Chubb, Comparison Market, Electric Insurance Company, Farmers, GMAC Insurance Online (National General), Horace Mann, Insurance.com, Prudential, Safeco, Travelers Insurance, USAA.

More Information on Auto Insurance in Idaho

For more information on insurance requirements in Idaho, you can contact the Idaho Transportation Department at:

3311 W. State Street
Boise, ID 83707-1129
itd.idaho.gov/dmv

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.