idaho car insurance
If you're tracking down info on Idaho car insurance, you're in the right place. We unearthed what you'll need to know to shop for, buy, and manage your Idaho policy.
Idaho car insurance
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 relatively affordable, and it offers financial protection from at-fault drivers who don't have enough liability insurance.
Esurance in Idaho
Good news, Idahoans: Esurance is available to Idaho drivers. Find out about your coverage options and possible discounts or start your car insurance quote here.
These factors can influence your car insurance rate in Idaho:
- Age and gender
- Type of car you drive
- ZIP Code
- How you use your car (commuting, Sunday drives, etc.)
- Past driving record and claims history
- Credit-based insurance score
Optional coverages in Idaho
- Comprehensive coverage
- Collision coverage
- Medical payments coverage
- CarMatch Rental coverage®
- Towing and labor coverage
- Custom parts and equipment coverage
- Loan/lease gap coverage
Money-saving discounts available from Esurance
- 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
Find out more about our discounts.
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).
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.
Driving without car 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.
Uninsured drivers in Idaho
According to a recent report by the Insurance Research Council (IRC), 8 percent of Idaho drivers were uninsured in 2009. This was below the national average of 13.8 percent, but it still means roughly 1 in 12 drivers may be unable to pay for post-accident medical expenses after an at-fault accident.
Uninsured motorist coverage offers financial protection from uninsured drivers.
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.
Statistics that could impact your Idaho insurance rates
At just 19 residents per square mile, Idaho is the 46th-least crowded state in the nation. And since there are often fewer car accidents in places with low population density, it's a factor your insurer may consider when determining your premium.
The U.S. Department of Transportation recently reported that 11 percent of Idaho residents carpool — a great way to help the environment and reduce traffic congestion.
Idaho driver information
Read up on Idaho's driving laws, including information about licensing and registration.
Esurance Coverage Counselor®
Our online counselor can give you a customized policy suggestion in just a few minutes.
Idaho Department of Insurance
The official website for car insurance in Idaho.