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idaho car insurance

Auto insurance in Idaho doesn't have to be a proverbial hot potato. In fact, Esurance embraces innovative technology that allows for simple policy management and a hassle-free insurance experience. Whether you live in Boise or Twin Falls, we're confident that every Gem State resident will benefit from our affordable car insurance rates and 24/7 customer service.

You can get a free Idaho car insurance quote and gain instant access to our interactive insurance guide, Coverage Counselor®, so that you can tailor your policy coverages, limits, and deductibles to your needs. Every Esurance policy is built to save you time and money.

Idaho car insurance discounts from Esurance

Good news, Idahoans: we're no couch potato when it comes to saving you money. Here's a few of our unique discounts for your auto policy:

  • Multi-Car discount
  • Homeowners discount
  • Paid-in-Full discount
  • DriveSense™ discount
  • Switch & Save® discount
  • Claim-Free discount
  • Good Student discount
  • Fast 5® discount
  • Defensive Driver discount

Discounts are subject to eligibility. If you're a current policyholder with questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Get the Renters Plus® discount in Idaho*

Add renters coverage to your car insurance policy and you'll save with our Renters Plus discount. It's an easy way to cover your belongings and your car on one policy.

Auto insurance coverages in Idaho

Required coverages

Idaho drivers are legally required to maintain liability coverage with at least the following limits:

  • $25,000 for bodily injury, per person
  • $50,000 for bodily injury, per incident
  • $15,000 for property damage, per incident

These limits often appear as 25/50/15.

Uninsured/underinsured motorist bodily injury coverage is not technically required, but drivers will need to reject it in writing in order to remove it from their policies. This coverage is affordable, and it offers financial protection from at-fault drivers who don't have enough liability insurance (or any at all).

Optional coverages

These additional coverages can provide you with extra financial protection and peace of mind on your Idaho policy:

  • Comprehensive coverage
  • Collision coverage
  • Medical payments coverage
  • CarMatch Rental Coverage®
  • Towing and labor coverage
  • Custom parts and equipment coverage
  • Loan/lease gap coverage

Idaho insurance rating factors

These factors can influence your car insurance rates in Idaho:

  • Age, gender, and marital status
  • Number of years licensed to drive
  • Year, make, and model of your vehicle
  • ZIP Code where your car is parked or garaged
  • How you use your car (commuting, Sunday drives, etc.)
  • Prior insurance history, driving record, and claims history

Esurance-approved car repair shops in Idaho

If you're an Esurance customer, you can take your car to an E-star® shop and take advantage of RepairView® as well as guaranteed repairs for as long as you own the car.

Find a repair shop near you.

Car insurance stats and facts for Idaho drivers

Uninsured drivers in Idaho

According to a report by the Insurance Research Council, 8 percent of Idaho drivers were uninsured in 2009. This was below the national average of 13.8 percent, but it still means a lot of drivers may be unable to pay for post-accident medical expenses after an at-fault accident.

Uninsured motorist coverage offers protection for you and your passengers if you're injured in an accident with an uninsured or underinsured driver. It can also help pay for damage done to your vehicle as a result of the accident.

The consequences of driving without insurance in Idaho

Idaho residents caught driving without car insurance face license suspensions and will need to provide proof of responsibility to the state for a one-year period (3 years for repeat offenders).

Drivers can prove financial responsibility by having their insurers submit an SR-22 form with the state.

Documents verifying proof of insurance

In 2012, Idaho became the first state to allow digital proof of insurance in addition to the traditional paper certificate. Make sure to always have some form of proof in your vehicle while you're driving.

Alternative car insurance option

Drivers who don't qualify for a typical car insurance policy can apply for the Idaho Automobile Insurance Plan. A licensed car insurance agent can help drivers apply.

Related links

Right-of-way traffic laws
Learn more about failure-to-yield laws and how they affect you.

Idaho Department of Insurance
The official website for car insurance in Idaho.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262