Driving in Idaho means you’ll need Idaho car insurance quotes if you want an affordable policy. The good news for you is that you can get those insurance quotes right here. Just look above the text for the zip code form.
Still getting auto insurance quotes is not the only thing when it comes to Idaho insurance. There are many important rules, laws and traffic statistics you should know about. The good news for you, yet again, is that we have all this information – and more – below. So either get a quote instantly above or keep reading to learn the ins-and-outs of the Idaho insurance market.
Minimum Auto Insurance Requirements In Idaho
Idaho is no exception when it comes to mandatory liability insurance. Like almost all states in the US, Idaho requires the 3 basic types of liability insurance. Unlike some other states additional coverage options such as Personal Injury Protection (PIP) and Med-Pay are not required. Finally, Uninsured/Underinsured Motorist coverage is required but there is an opt-out.
Thus, let’s look at each aspect in turn. First, you are legally required to have at least the following liability insurance on your vehicle:
- $25,000 for bodily injury to or death of one person in any one accident;
- $50,000 for bodily injury to or death of two or more persons in any one accident;
- $15,000 for injury to or destruction of property of others in any one accident;
Please be aware that these are simple minimums only. It never hurts to go beyond the minimum insurance requirements, especially when you consider how expensive an accident can be these days. So keep that in mind when shopping for you next insurance policy.
The next important piece of insurance information you should know about is Uninsured (UM) Underinsured (UIM) Motorist coverage. Idaho Insurance Code §41-2502 has made it mandatory to include UM and UIM coverage with every new policy bought or renewed after January 1, 2009.
Only, bodily injury UM and UIM coverage are mandatory, with the same minimums as listed above. Property damage protection is not required. Moreover, even though your insurance company is legally required to include both of these coverages in your policy you can explicitly opt-out in writing if you so choose. However, why you do so remains unclear; considering both only marginally increase the cost of your policy while providing you with a whole lot more protection.
Finally, although other insurance types are not required, you may wish to at least consider adding-on the following options to your insurance policy for greater protection: Medical Payments coverage, Comprehensive coverage, Collision coverage, Rental Reimbursement and towing coverage. All of these taken together can more fully protect you and your car.
Discerning drivers do not only hunt only for cheap car insurance, they hunt for the right kind. You don’t need to spend exorbitant sums of money to get the coverage that you want so long as you shop around a bit first.
Idaho State Auto Insurance Laws
In Idaho, the law requires all drivers to get car insurance, regardless of whether the vehicle they’re driving is registered or not. This differs from many other states, so be sure you’re aware of it. Many vehicles are exempt from titling and/or registration, but none are exempt from insurance.
You can read all the requirements for your Certificate of Liability Insurance For Motor Vehicles from the complete text of the law. It lays out in great detail all that you need to know about having and showing proof of insurance.
Not carrying proof of insurance in the form of an insurance card can get you in trouble. You can potentially face a driver’s license suspension, fines and even prison if you are found to have fraudulently created proof. Again just save yourself the hassle and make sure you have at least the minimum coverage.
The reason Idaho requires certain forms of insurance is that it operates under the tort legal system for insurance. In essence, this just means that those responsible for an accident pay the costs. This is why you are forced to buy liability insurance.
If you cause an accident you’ll be protected financially (up to your policy limit) and the victim will also be able to easily get financial compensation without out having to go through the courts. This is all part of Idaho’s Financial Responsibility Statutes.
Finally, the Idaho Department of Insurance has a very good resource for Frequently Asked Claim Questions. It outlines what your legal rights are when making a claim along with what your insurer can and can’t do. If you ever have to make a claim be sure to read this first so you know your rights.
Idaho Car Insurance Companies
You certainly have your pick of insurance companies in Idaho. For a complete list your best bet is to use the Insurance Company and Producer Search from the Department of Insurance. Yet many people prefer just to shop with larger companies, as they have a most established track record and should in theory be more financially stable.
If this is how you feel, you have two options. First just get a quote from our quote form, which you can find at either the top or bottom of this page. Second have a look at the following insurance companies who are members of the Insurance Information Institute.
Kemper Corporation (formerly Unitrin)
Now before you buy an insurance policy from any of the companies listed above, or any other insurance company you really need to take a few minutes and have a look at their complaint statistics. If a company has a large number of complaints then it is a huge red flag and you should probably reconsider buying from them.
If you’re having a problem with your insurer then you might like to know How to File a Request for Consumer Assistance with the Insurance Department. They may be able to help you resolve your issue if you can’t do so on your own.
Average Idaho Auto Insurance Rates
If you live in Idaho you are most likely paying among the lowest insurance rates in the whole country. The Insurance Information Institute claims that the state was the 5th cheapest in the whole country in 2008. Average annual premiums that year were just $562.
CarInsurance.com confirms that Idaho is a low cost state. Their online only premium index has found average premiums of $1,045 per year in 2011, compared to a national average of $1,441. So either way you look at it, Idaho is a cheap place to buy an insurance policy, all other things being equal.
Nevertheless, just because it’s cheap doesn’t mean there aren’t ways you can save even more money. The Insurance Department has published three very useful guides, giving tips and advice on lowering your auto insurance rates. The first is How To Shop For Auto Insurance, which just provides basic information. The second is Tips On Buying a Policy.
The third answers the question Why Do My Rates Go Up Every Year. It provides the most details about what affects your auto insurance rates in Idaho. If your rates are much higher than the state average, then you really owe it to yourself to at least read this last guide. It can help you better understand your policy.
Idaho Car Accident Statistics
There is both good news and bad news when it comes to Idaho’s car accident statistics. The bad news is that the state is still much more dangerous than the rest of the US for driving. The good news is that the state is getting safer each year.
In 2010 the Idaho Transportation Department found that there were 22,555 crashes in Idaho, which resulted in 1,396 serious injuries and 209 deaths. These numbers have been falling in recent years, but still remain stubbornly high.
According to the National Highway Traffic Safety Administration (NHTSA) the state is still about 30% more dangerous to drive in than the US as a whole. They have found that the following 5 counties as being the most dangerous (with at least 10 fatalities each in 2009): Ada County, Canyon County, Nez Perce County, Twin Falls County and Jerome County.
So no matter where you are in the state, please be careful when out driving in your car.
Why You Should Get Idaho Car Insurance Quotes
Given the important nature of auto insurance, it is imperative that you scout around for the best Idaho car insurance quote. One of the great ways to find good offers is to check online for car insurance quotes. There are a lot of companies now offering Idaho car insurance online.
All you have to do is compare quotes from the different companies. If you’re unsure about a company have a look at the information presented above. We have done our best to provide you with as many unbiased tools as possible so that you can make the right insurance choice for you.
But, you can’t find the right company unless you start with a quote. Begin by using this form:
Local Guides To Idaho Insurance
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