If you are driving through Idaho, you may be visiting family or visiting one of the state’s many famous attractions such as Yellowstone National Park, Crystal Gold Mine, or Idaho Falls. If you are traveling through the Gem State or you call Idaho home, make sure you are protected when you are driving down Highway 95 because Idaho state requires all drivers to have liability insurance. Read on to learn more about Idaho auto insurance requirements.
Idaho Car Insurance
Idaho state law requires licensed drivers to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. In Idaho, multiple people can be found at fault for causing a car accident. The comparative negligence law acknowledges varying “degrees” of fault. Basically, you are awarded damages only if you were less at fault than the other involved parties.
Minimum Idaho Car Insurance Requirements
- $25,000 bodily injury for one person in a single accident
- $50,000 bodily injury for two or more people in an accident
- $15,000 property damage liability
- $25,000/$50,000 uninsured/underinsured motorist coverage
A liability policy covers you for any bodily harm and property damage you cause to the other person or people in a car accident.
Uninsured and underinsured motorist coverage helps you pay for costs if you are ever in an accident with a driver who has no car insurance or insufficient car insurance.
NOTE: You can opt-out of uninsured motorist coverage; however, you must do so in writing with your insurance agent.
Penalties For Not Having Idaho Auto Insurance
If you are caught driving without insurance in Idaho, you are subject to one or more of the following penalties:
- First offense: $75
- Second and subsequent offenses: fines of up to $1,000.
- A requirement to provide proof of financial responsibility.
- Up to 6 months of jail time.
Determining Your ID Car Insurance Rates
Insurance companies calculate premiums and discounts on several factors that can include:
- The type of car you have
- How much you drive
- Your driving record
- Your age
- Your gender
- Your marital status
- Your geographic location
- How long you’ve been driving
- Your credit score
- What you will be using your car for
- Prior auto insurance coverage
- Deductible cost
High-Risk Car Insurance ID
ID Car Insurance
If you need Idaho car insurance, call Freeway today. We make the process simple. Freeway provides cheap car insurance Idaho drivers have relied on for many years. You no longer have to call multiple car insurance providers for a quote. Freeway does that for you. We work with the top car insurance companies in Idaho and across the country. We can provide you with a free car insurance quote from all of those providers in just a few minutes.
To speak to one of our live agents, call (800) 777-5620, and you will get your free, customized quote in just a few minutes. Our agents are ready to help you get ID car insurance that you can afford. You can also get a free Idaho auto insurance quote online.