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Idaho Car Insurance

There are many things that people do not know about Idaho, including various myths that are not true. Idaho, for example, is not a tornado free zone. Tornadoes exist in the state, and there are other risks for automobile drivers as well. The Gem State is also larger than people think, with more roads crisscrossing the state than many would guess. Idaho also has over 4.5 million acres of wilderness. That is a lot of wilderness to explore, and with tons of incredible cities as well, it is no surprise that having a car is recommended in the state.

Like most other states, Idaho has minimum requirements automobile insurance drivers need to have to drive legally. Beyond this, there are a plethora of other types of car insurance people can purchase to protect themselves further. Get the information you need at General, as well as free quotes for automobile coverage plans to protect your investment best. A vehicle is often one of the larger investments a person buys. Protect that investment adequately, as well as your finances.

Auto Insurance Requirements In Idaho

Idaho has vehicle insurance requirements, like most other states in the country. Low cost insurance options are available to help people meet the minimum mandated amount of coverage, though car insurance can still be a costly endeavor. For this reason, the tools at General were developed to help you save money. For people looking to purchase the minimum amount of coverage, they will need $25,000 for bodily injury liability coverage to one person in a single accident, $50,000 for total bodily liability injury insurance coverage for two or more people in an accident, and $15,000 of property damage liability coverage.

Also quoted in your plan when you get a policy is uninsured and underinsured motorist coverage. This coverage helps cover expenses if you are involved in a crash with another driver who does not have an adequate amount of car insurance to pay for your expenses. Underinsured and uninsured motorist coverage can be opted out of by sending written notice to your insurance agent.

People who have a loan or lease for their vehicle may be required to have additional coverage in the terms. In many cases, these requirements from the leasing or lending company will include collision insurance coverage, comprehensive insurance coverage, and lease gap insurance coverage. Other plan additions are also available, including rental car insurance, roadside assistance coverage, medical payments coverage, and others.

Average Cost Of Coverage In Idaho

Each of these things can have an effect on the prices a person pays for their plan. Overall, the prices people pay for car insurance plans in the state of Idaho are less than the national average by over 25%. Numerous other factors affect what a person pays for their plans outside of geography, however. This includes things like a person’s driving record, credit score, the vehicle they drive, marital status, and more.

Due to different companies using different methods to determine what a person will pay for their policy; shopping around can be extremely valuable. It is recommended for people to get car insurance quotes from four or more companies during the process of finding the best rates for car insurance available for them. Starting with the cheapest auto insurance providers is a great idea.

Age Average Rate (yearly)
16 $5,816
17 $5,131
18 $4,567
19 $2,471
20s $1,421
30s $1,012
40s $948
50s $871
60s $904
70s $1,112

Cheapest Car Insurance Companies In Idaho

Getting new car insurance quotes each year can help make sure that you are paying the consistently low rates for car insurance that you deserve. Shopping around can be done quickly at General, with tools for free quotes on car insurance easily accessible. Also, it is vital to keep in mind that different companies may get better rates on average depending on the demographic they cater, and the demographic you are in. A person’s premium is what they will pay every month. This gives you protection. You will have to pay your deductible to take advantage of the coverage if in a crash. The coverage a person has is also related to the cost; not all auto insurance policies are created equally. Discounts can help people lower their premiums.

The cheapest auto insurance companies in Idaho include Geico, State Farm, Travelers, and USAA. USAA is not available to everyone, only to members of the military and their families. Each of these companies has fantastic financial strength. Adding different types of coverage to your policy can also raise the prices, something to keep in mind. People can also get collision insurance coverage, comprehensive insurance coverage, medical payments coverage, equipment coverage, and more to their policy to further protect themselves.

Rank Company Name Avg. Premium (annual)
1 American National $521
2 Travelers $697
3 Auto-Owners $722
4 USAA $773
5 State Farm $881
6 MetLife $1,085
7 Nationwide $1,243
8 Progressive $1,252

Unique Car Insurance Rules And Penalties In Idaho

There are fines and fees for people who have their insurance policies lapse in the state of Idaho. People are required to register their vehicles in the state, and insurance needs to be presented when doing this. The first offense for driving without insurance will only cost $75, but penalties quickly get higher for the second, third, and subsequent offenses. Fines can be up to $1,000. Drivers caught without a valid insurance policy or other valid proof of responsibility may also be required to carry an SR-22 form. Jail time of up to six months can also be administered. Taking care to have a valid car insurance policy that meets the minimum requirements is the best way to prevent these types of fines and other penalties.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,688 66% $670
Refused Breathalyzer/Chemical Test $1,607 58% $589
DUI $1,607 58% $589
Racing $1,518 49% $499
Reckless Driving $1,561 53% $542
Driving with a Suspended License $1,477 45% $459
At-Fault Accident $1,444 42% $426
Driving with an Open Container $1,492 46% $473
Operating a Vehicle Without Permission $1,234 21% $216
Passing a School Bus $1,327 30% $309
Improper Passing $1,143 12% $125
Following Too Closely $1,156 14% $138
Speeding $1,253 23% $235
Failure to Stop at a Red Light $1,156 14% $138
Illegal Turn $1,142 12% $124
Driving Wrong Way/Wrong Lane $1,143 12% $125
Failure to Yield $1,222 20% $204
Speeding in a School Zone $1,170 15% $152
Driving Too Slowly $1,185 16% $166
Distracted Driving $1,156 14% $138
Driving with Expired Registration $1,031 1% $13
Failure to Show Documents $1,031 1% $13
Not-at-Fault Accident $1,035 2% $16
Failure to Use Child Safety Restraint $1,022 0% $3
Failure to Wear a Seat Belt $1,082 6% $64
Driving Without Lights $1,022 0% $3

How To Get The Cheapest Car Insurance In Idaho

 Saving money is also important to many people. Find cost savings using the free quote tools at General. The tools here can help you find the best prices for car insurance available in Idaho by helping you compare policies from multiple companies and apply discounts when available. Consider which types of insurance you want to purchase, as having too little car insurance or too much car insurance can end up costing you more money in the long run.

Some people also choose to raise their deductibles in order to lower premiums but keep in mind that you should be able to afford your premium at any given point. Your car insurance policy will not begin to pay out for automobile repairs until your deductible is met.

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