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Idaho Auto Insurance
Idaho is a what is known as a tort state with regard to car insurance regulations, which means you are required to carry minimums on your liability insurance. If you are in an accident you may have to pay for the others persons injuries or property damage if it is your fault, even if the damages are greater than your insurance coverage limits.
This also means that Idaho drivers must not operate a vehicle unless they have insurance. At any time, a peace officer or other sanctioned officer may request to see proof of your auto insurance.
Idaho Auto Insurance Rates
By national standards, Idaho has very cheap auto insurance. In a recent study, Idaho ranked 48th in the amount of money spent for car insurance annually, with $585.34 being the average. Idaho residents spent on average, $337.63 for liability coverage, $233.10 for collision insurance, and $140.24 for comprehensive coverage. Even though the average annual expenditure increased over 18% from 1999 to 2003, Idahostill is one of the cheapest states to buy car insurance.
You may be asking yourself, “How is the premium rate determined for Idaho auto insurance?” It is basically a grand math problem for the insurance companies to solve. For instance, most companies calculate the cost to provide auto insurance to everyone in the state, then they figure individual premiums by using variables like age, car type, driving record, and location, and then subtracting from the whole your percentage. Insurance companies also factor in all their expense for doing business within a state, including lawsuit settlements.
Idaho Coverage Requirements for Auto Insurance
In order to comply with the law, Idaho drivers must carry liability coverage minimums of 25/50/15. This translates to $25,000 per individual, $50,000 for all individuals, and $15,000 for property damages caused by an at-fault accident.
The State of Idaho also requires uninsured motorist bodily injury protection. A person can deny coverage, but it must be in writing. It is always advisable to have this coverage as it protects you in case you are injured by someone without insurance.
Many insurance companies offer additional coverage such as collision, comprehensive, and underinsured motorist protection. It is always recommended to add additional coverage in order to safeguard yourself against a disastrous accident.
Idaho Auto Insurance Companies
Even though Idaho auto insurance is quite cheap, premiums can still fluctuate considerably from company to company. For that reason, drivers should compare auto insurance rates from multiple companies.
Additional Information and Resources
Idaho Department of Insurance
700 West State Street
P.O. Box 83720
Boise, ID 83720-0043
Phone: (208) 334-4250
For other Idaho Insurance Resources, See:
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