Idaho Auto Insurance
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Idaho Auto Insurance Requirements
There’s more to getting the best rate on auto insurance than simply filling out an application and making a down payment. To truly get the lowest rates possible, consumers need to understand what the state of Idaho requires for auto insurance coverage. That way, they won’t purchase coverage options they may not need.
Idaho Liability Requirements
What Idaho does require motorists to carry is liability insurance. Liability pays for the other driver’s medical and vehicle repair bills that result from an accident, up to coverage limits, when the insured is found to be at-fault in an accident. Although there are state-mandated minimums for liability, motorists, especially those with a lot of assets, may be wise to choose higher liability coverage limits.
In Idaho the minimum liability amounts are:
• $25,000 for bodily injury expenses when the accident involves a car with a single occupant.
• $50,000 for combined bodily injury expenses when the accident involves a car with multiple occupants.
• $15,000 to cover the repair cost for property damaged as a result of the accident (buildings, fences, signs, car.).
Comprehensive/Collision
Comprehensive and collision are not mandated by Idaho but are advisable to have since they cover damage done to the at-fault driver’s car as a result of an accident (collision) or when an accident has been caused by circumstances beyond the driver’s control such as adverse weather or animals/wildlife (comprehensive). This coverage is limited to the damaged car’s current market value. Should repair costs be greater than the car’s current market value, the insurer will declare the car “totaled” and the car won’t be repaired. Instead, the insurer will issue a check to the insured for the car’s current market value.
Idaho Underinsured/Uninsured
In Idaho, protection against damage to you or your car caused by an uninsured motorist or a motorist with inadequate insurance is what you get when you purchase optional Underinsured/Uninsured Motorist insurance. This type of insurance also offers you protection when you’re involved in a hit-and-run accident.
Idaho Department of Insurance
One way to learn what Idaho requires for auto insurance is to visit the Idaho Department of Insurance either online or in person, or by calling the Department’s toll-free number at 1-800-721-3272.