get an idaho car insurance quote from esurance

or call 1-800-378-7262

Or call 1-800-378-7262.

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 claims service.

Get a personalized Idaho car insurance quote and let CoverageMyWay® help you tailor coverage options based on the information you provide. It's just another way we provide tools that aim to save you time and money, as well as make smart choices with your protection.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

idaho car insurance discounts from esurance

Good news, Idahoans: we're no couch potato when it comes to trying to save you money. Here's a few of our unique discounts you might qualify for:

  • Multi-Car discount
  • Homeowners discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Claim-Free discount
  • Good Student discount
  • Fast 5® discount
  • Defensive Driver discount
  • Multi-Policy 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 (1-800-372-7262).

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 could provide you with extra financial protection and peace of mind on your Idaho policy:

  • Comprehensive
  • Collision
  • Medical payments
  • CarMatch Rental Coverage®
  • Towing and labor
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

idaho insurance rating factors

These factors could 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

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

Uninsured drivers in Idaho

According to a report by the Insurance Research Council, 6.7 percent of Idaho drivers were uninsured in 2012. This was only about half the national average of 12.6 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.

And if you're an Esurance customer, you can access your car insurance ID cards (and plenty of other policy documents) at any time on your smartphone, tablet, or other device using our handy mobile app.

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.

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.