Did you know that 2021 was the worst year ever in terms of fatal car accidents in the State of Idaho? Or that 2023 is on track to surpass these statistics by the end of the year?
We swear we’re not trying to scare you; we just want what’s best for you (Gosh, we sound your mother right now don’t we?). And what’s best for you is car insurance.
Insurance protects your finances and peace of mind while on the roads. And did we mention that you’re legally obligated to carry it? Because, well, you are.
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It is, in fact, illegal to drive without insurance and doing so will result in significant legal penalties.
As of January 2020, Idaho drivers are required to show proof of insurance for at least 2 consecutive months and failure to do so can result in a suspended vehicle registration (not applicable to commercial vehicles, trailers, and off-highway vehicles).
We’ve made it pretty clear that you need insurance in order to drive, but you might still be wondering exactly how much insurance you have to carry. Well, this is where the legal minimum coverage limits come into play.
The legal minimum coverage limits describe the absolute bottom baseline for how much coverage a person must carry in order to legally drive. These amounts are unique to each state.
In Idaho, the legal minimum coverage is as follows:
This may be all that is required within the state, but it’s highly recommended that you carry more.
A full coverage Idaho auto insurance policy will include bodily injury to others and property damage liability alongside two other coverage types. These two other coverages are:
Insurance experts advise that every driver carry a full coverage car insurance policy because they offer the most extensive coverage for a reasonable price.
If your vehicle is loaned or leased, you may be obligated to carry a full coverage policy. This is because the parties loaning/leasing the funds want to ensure they get their money back even in the event of an accident.
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Depending on the insurance company that you choose, you will also have options for purchasing additional coverages. If it’s within your budget, these coverages can be extremely helpful in all kinds of different circumstances.
In Idaho, the following additional coverage options are offered:
It doesn’t take much to see just how helpful these additional coverages can be for drivers. We’d say it’s certainly worth at least exploring Idaho car insurance quotes for policies that have additional coverages.
Sure, it sounds great to have a full coverage policy with all of the bells and whistles, but how much does it all cost?
Well, because there are so many different types of policies—not to mention so many different types of drivers—the answer isn’t exactly simple. When pricing your insurance policy, the provider will take the following factors into consideration:
Even though there is no one-size-fits-all policy, we can tell you that the average driver in Idaho pays about $1,338 annually for a full coverage policy or $377 for a minimum coverage policy.
And hey, a bonus for those purchasing auto insurance in Idaho is that their rates are 12% lower than the national average. Props to the Gem State on that one!
These figures offer a good baseline to compare your insurance quotes against to see if you’re getting a good deal or not.
But again, don’t always expect to see these kinds of prices. For example, teen drivers aged 16-19 in Idaho pay an average of $4 852 per year which is pretty significant increase.
Whether you’re a young driver with a clean driving history, or an experience driver with a few blemishes on the record, you’ll need an insurance policy specifically catered to your individual needs. This means that finding the right insurance policy is a slightly different process for everyone.
That said, there are some general rules of thumb that will help you find the cheapest car insurance in Idaho:
Likely the most important money-saving tip is to compare insurance quotes from multiple companies. Insurers are always mixing things up and offering competitive deals to draw business, so staying vigilant really does pay off.
Pay special attention to these four companies as they are known to be the cheapest and most trusted insurance providers in Idaho:
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Where you live also has a big impact on how much you pay for car insurance. This is because different areas pose different risks based on population demographics and other statistics.
Currently, the cheapest car insurance rates in the Gem State are:
Obviously, there are many factors to consider when moving beyond car insurance rates. However, we think that insurance is worth being one of the factors you consider.
Finding an affordable Idaho car insurance plan shouldn’t be difficult, not if we have anything to say about it!
ConsumerCoverage has worked tirelessly for years to keep consumers informed about insurance, empowering them to make money-conscious choices. Consult our many resources for more information, contact us with queries, and access free insurance quotes online.
