25/50/15 are the magic Idaho numbers! If you are not insured
with at least these minimum liability coverages, you will suffer ill
financial and administrative consequences. It is important to
remember that these are only guidelines and that heftier insurance
coverages and coverages of other types may be required to suit
your specific circumstances. The costs associated with NOT
obtaining Idaho auto insurance will far surpass the fees you will pay
for minimum coverage, so do not be without it! Do shop around,
and do inquire about insurance discounts, especially if you have a
spotless Idaho Driving Record.
Auto Insurance Agents
Need to find an auto insurance agent in your area? Read
Comparing Companies and Rates
The advent of technology has made this task an easy one! Many
Idaho auto insurance companies will provide online, estimated quotes
that a driver can use for comparative purposes. Read more...
Auto Insurance Discounts
Auto insurance discounts are available to drivers in every stage of
their lives, such as:
- Military/Veteran discounts
Discounts are also available to skillful, careful drivers because your
auto insurance company will recognize you as a ‘low-risk’ driver.
How does one earn the title of ‘skillful’ driver? How do we
elevate our status in the eyes of a probing insurance agent? The
answers are quite simple. Read
25/50/15 – These are the magic numbers to remember when researching
Idaho auto insurance coverage. Read
Levels of Auto Insurance
While Idaho does have a minimum auto insurance requirement, drivers
are free to choose their own level of coverage beyond the required
liability minimums. Read
Risks of Not Having Auto Insurance
You were just in accident and are at fault. The other driver
and two passengers in the other driver’s vehicle are injured, and the
other driver’s car is totaled. Good news! The other driver
has Uninsured Motorist Coverage which will pay for $10,000 in medical
bills! The bad news – the medical bills plus the cost to replace
the driver’s vehicle tops $100,000. That makes you liable for
$90,000 in medical and replacement costs. Read more...
Idaho Motorcycle Insurance
Idaho mandates that motorcycle insurance coverage be obtained in the
same minimums as those required for other motor vehicles, 25/50/15. Read more...
Types of Coverage
In addition to the Idaho minimum liability requirements, drivers may
also choose additional coverage at additional costs. While these
are not required, there are instances where they may be relevant, so do
speak to your auto insurance about your specific needs. The
insurance industry lingo may seem foreign to you, so we’ve provided a
handy cheat-sheet to use when choosing coverage. Read more...
What Affects Insurance Rates?
Points! Points! Points! If you are a reckless,
careless driver, the law will catch up to you, and your auto insurance
company will not be far behind! Read more...