Idaho Car Insurance FAQ - Quick Answers

The average cost of Idaho car insurance is $877 annually, coming in at almost half the national figure of $1,311 per year. Even though the cost of Idaho's auto coverage is some of the lowest in the country, it still pays to have a trusted adviser shop the local markets for free.

In Idaho, car insurance can help cover numerous losses, and some of the most common coverages are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist

Idaho requires the following minimum liability limits in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $15,000 in property damage liability per person

In Idaho, uninsured motorist coverage can help pay for your damage or injuries resulting from an accident with an uninsured driver. You're not required to carry uninsured motorist protection in Idaho, but that doesn't mean it's not necessary. The state currently has 8.2% of its driving population roaming the streets without insurance, putting you at risk.

If you're shopping for car insurance, it's best to go with carriers that are reputable. In Idaho, Progressive, Nationwide, Travelers, and Main Street America insurance companies come highly rated. These markets are often used by the masses for their claims handling and excellent customer service.

In Idaho, the driver who caused the accident is responsible for covering the cost of damage. This comes in the form of limits that meet or exceed the state minimum liability coverages. For Idaho you must have $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability.

Do You Know What Your Idaho Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Coeur d'Alene17.99.6$714
Idaho Falls17.91.1$919
Post Falls21.21.07$898
Twin Falls16.91.09$993

Bodily Injury Requirements in Idaho

Bodily injury liability will help pay for the medical expenses of an injured party when you're at fault for the loss. In Idaho, coverage is mandated in order to protect you and your finances from an auto accident.

Your Idaho bodily injury limits need to be a minimum of $25,000 per person and $50,000 per accident. Even though you're only required to carry the state minimums, you may want more protection to avoid paying out of pocket for a loss.

Property Damage Requirements in Idaho

Property damage liability will pay for damage to another party's vehicle when you're at fault for a claim. In Idaho, property damage liability is required at the minimum limit of $15,000. 

Although the state limit is all that is mandated by law, you'll probably want more protection. The cost of a vehicle nowadays could deplete that $15,000 pretty quickly.

Medical Payments Coverage Requirements in Idaho

Some states require personal injury protection as a part of the minimum coverage amounts. However, Idaho is not one of them and instead lets you opt-in for medical payments insurance. 

Medical payments coverage will help pay for your medical expenses due to an at-fault accident. Without this protection, you'll be on your own for any medical bills that come your way.

Uninsured Motorist Coverage in Idaho

Uninsured motorist coverage will pay for your injuries or any damage sustained when you're in an accident with an uninsured driver. While this coverage isn't one of the required limits under your Idaho auto policy, it's still super-necessary for proper protection. 

Idaho currently has 8.2% of its driving force uninsured, which means you're at risk. Just because you're required to carry car insurance doesn't mean everyone follows the rules.


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Optional Car Coverage in Idaho

Collision insurance and comprehensive insurance are meant to pay for damage to your vehicle when involved in an accident with another party, property, or animal. These optional limits are known as full coverage and cost an additional premium.

Roadside assistance is another great addition to your auto policy and helps if you become stranded on the road. And if your car is being repaired or replaced due to a covered claim, rental car insurance pays for a replacement vehicle in the meantime.

Car Insurance Discounts to Ask for in Idaho

If you're trying to save some premium dollars, than asking your agent what discounts are available could help. Carriers like to  provide discounts on insurance when you have more than one policy with them. Typically, a reduction of 30% or more for multiple policies is common.

If you're part of a teachers union, attorney group, or government agency, insurance companies usually allow a 5% to 10% discount on insurance. The same is true when you've been with the same carrier for a number of years and qualify for a loyalty discount.

How to File a Car Insurance Claim in Idaho

Filing an auto loss doesn't have to be confusing if you have the right coverage and adviser. Check out these 4 easy steps for filing a car insurance claim in Idaho.

First, it's essential that you get to a safe place and tend to any injuries immediately. Second, you'll want to call your independent agent and file the claim. Third, obtain a replacement vehicle if necessary and your claims number. Last, schedule a meeting with your assigned adjuster to go over the damage and collect payment.