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Want to find the car insurance Idaho residents use to save money?

You’ve come to the right place for cheap car insurance Idaho drivers love. And if affordable car insurance is important to you, Idaho is one of the best places to live.

Relative to all other states and Washington, D.C., Idaho has been ranked #47 for its car insurance costs. In recent years, it has dropped in comparison to other states, too.

It joins such states as Wisconsin, Ohio, New Hampshire, and Maine as some of the best places to drive a car. In fact, it is one of the only states where the average auto insurance policy costs less than $1,100 per year. 

Let’s find out about Idaho auto insurance and how to get a good deal.

What Kind Of Car Insurance Do You Need In Idaho?

When it comes to car insurance, Idaho has certain minimum standards all policies need to meet. You’ll have to have a car insurance policy with at least minimum coverage before you can register your vehicle or drive in the state. Of course, all Idaho car top insurance companies must offer policies that pass muster. 

Idaho auto insurance minimums include:

  • Bodily Injury Liability: $25,000 per individual and $50,000 per covered traffic event
  • Property Damage Liability: A flat $15,000 per covered traffic event

Those are the legal car insurance minimums in Idaho, but they’re not all you’ll hear about when you first open a policy. Car insurance companies in Idaho are required to extend you the offer of some additional coverage:

  • Uninsured Motorist Coverage: Same as the minimums for Bodily Injury Liability above
  • Underinsured Motorist Coverage: Same as the minimums for Bodily Injury Liability above 

As in many other states, you have the right to reject these policy add-ons if you choose. For cheap car insurance, Idaho drivers often waive this coverage. However, that could mean you end up paying out of pocket if you’re in an accident that involves someone with no coverage.

idaho car insurance

How Can You Save Money On Car Insurance In Idaho?

Saving money on car insurance in Idaho may be easier than you think.

Idaho car insurance companies may offer a variety of discounts to customers:

1. Safe Driving Discount

A safe driving discount might be applied to any Idaho driver who has not had any traffic violations or accidents. If you want to qualify for the discount sooner, consider taking a defensive driving class from a certified driving school in your area. This may be worth several dollars off your premium.

2. Safe Vehicle Discount

No one knows better than car insurance companies which vehicles are safe or unsafe. If you buy a new vehicle that’s safer than your old one, you might get an immediate discount. This also applies if you install any new safety features onto your existing vehicle, such as a backup cam.

3. Affiliation Discount

Affiliation discounts are one way car insurance companies show appreciation to those in their community. The most common of these is the discount for active or retired servicemembers. Police, firefighters, EMTs, and others may sometimes qualify.

4. Multi-Policy Discount

If you hold several different insurance policies with the same company – such as car insurance and a homeowner’s insurance policy – you might get a discount.

What Happens If You Don’t Have Car Insurance In Idaho?

Driving without car insurance Idaho recognizes can lead to serious problems.

It is illegal to drive any vehicle in Idaho without proof of insurance. Even failing to produce your insurance card can get you in trouble. If you’re found driving without insurance in Idaho, a first offense leads to suspension of your license and a $75 fine. You will also be required to buy expensive SR-22 car insurance.

An SR-22 car insurance endorsement designates a “high risk” driver. It serves as evidence that you carry at least the minimum car insurance in Idaho. Even though it does not provide you with any additional protections, it can cost twice as much as a standard Idaho car insurance policy.

Driving without insurance in Idaho a second time can get someone sent to jail for up to six months. In addition to the extra expense of an SR-22 insurance endorsement, you may also have to pay a $1,000 fine. SR-22 is held for about three year from the qualifying event, too.

On top of all that, your insurance premiums could be affected for years to come.

Keep the hassle out of your life by getting car insurance Idaho motorists approve of. With Cheap Insurance, it’s never been easier to compare car insurance quotes online. You can find out the best Idaho car insurance rates with accurate, updated quotes from all the state’s best insurers.

You can start your search now or contact Cheap Insurance to find out more!

How much does car insurance cost in Idaho?

As far as car insurance, Idaho drivers pay some of the best rates in the United States. Idaho is ranked near the bottom in car insurance costs versus all other states. It generally rates around #47 for its total car insurance expenses, along with states like Wisconsin and Ohio.

The average car insurance policy in Idaho costs just a little over $1,000 a year. That average includes people who have minimum insurance as well as those who opt for full car insurance coverage in Idaho. When you count the minimum policy only, insurance can cost less than $30 a month.

What is full coverage insurance in Idaho?

When they are looking for cheap car insurance, Idaho drivers often opt for minimum car insurance. A minimum car insurance policy in Idaho can be less than $30 a month. It represents the lowest amount of protection that is allowable by law, and is set according to state standards.

On the other hand, the definition of “full coverage insurance in Idaho” can vary according to your car insurance company. Full coverage car insurance in Idaho is a catch-all term that refers to the maximum amount of “extra” car insurance, above the minimum standard, that a particular insurer offers its customers.

Do you need car insurance in Idaho?

Wondering if you need Idaho car insurance? If you drive, the answer is yes!

You will need car insurance in Idaho before you can register a vehicle or drive. It is illegal to drive in Idaho without adequate insurance. Like all states, Idaho establishes a minimum car insurance amount everybody must hold.

If your insurance lapses in Idaho, you can get in serious trouble. You may have your vehicle registration or even your license suspended. If you are stopped while driving without insurance in Idaho, you will need to pay a fine and may face a variety of legal penalties.

What is the fine for driving without insurance in Idaho?

Driving without insurance in Idaho? Whenever you are stopped in Idaho, a law enforcement officer will ask for proof of insurance. If you are found driving without insurance, you face a minimum $75 fine for the first offense. The fine can rise to $1,000 for subsequent offenses.

$75 may not seem like much, but be aware of the other penalties that can accrue. Driving without insurance is illegal in Idaho. You could have your vehicle registration or license suspended. Your license plate may be taken and your vehicle impounded. You will need to pay a reinstatement fee after getting insurance.

Helpful Resources

DMV website

The Idaho Division of Motor Vehicle handles most vehicle issues.

Registration Information

Idaho vehicle registrations are conducted at any of the 44 County Assessor Motor Vehicle Offices in the state. A full listing by county may be found here. New residents must register and title their vehicles with 90 days of becoming a resident.

We Have Your Town Covered!

Average Annual Premiums in Idaho = $1,011 | via Insure.com