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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:

  • $25,000 for injury or death of one person
  • $50,000 for injury or death of two or more people
  • $15,000 for property damage

However, given the greater risk assessed for our friends on two wheels, increased medical coverage is strongly encouraged.

The Idaho DMV recognizes the risks faced by motorcyclists and has taken strides to ensure their safety with the Idaho STAR (Skills Training Advantage for Riders) program.   This program was designed for riders, new and veteran alike, who want to learn how to ride or who want to improve/update their riding skills.  Idaho requires that all prospective motorcyclists under 21 years of age pass a motorcycle training course, such as STAR .


Successful completion of STAR or another Idaho approved motorcycle training course is an indication to an insurance company that you are a low-risk rider and will earn you discounts or reduced insurance rates.

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