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Idaho’s Auto Insurance State Minimum Coverage and Requirements

Bodily Injury Liability

Table of Contents

– This kind of coverage is meant to cover the hospital bills of the opposing party in an accident. If only the minimum quantity of coverage is purchase an insurance corporation will pay up to $25,000 for a single person and a grand total of $50,000 for all passengers for a single accident.

Property Damage Liability

– Property damage is damage to public property like road signs or guard rails, personal property like somebody’s home or somebody’s auto. If the minimum coverage is purchased, the insurance firm will make allowance for a maximum payout of $15,000 for a single situation.

The set numbers for the state of Idaho are 25/50/15 which are always in thousands as you can see from above respectfully.

In Idaho, the minimum car insurance requirements has some exceptions. One possibility is to have an indemnity bond issued by a surety company that’s approved to conduct business in Idaho. If you prefer not to have minimum coverage then the bond must guarantee you have the ability to pay $50,000 in the event of an accident. If you have more than one vehicle, for example, two, then you would have to have a bond guaranteeing you could pay $100,000 with a cap at $120,000 for five vehicles.

If you don’t have the financial capacity to get an indemnity bond then you are required to get the minimum coverage in the state of Idaho. Since the state has harsh winters with snow fall reaching into the hundreds of

twin falls

Beautiful picture of Twin Falls, Idaho. license: Creative Commons 2.0 (by-nd).

inches per season in some areas of the state then it may be worthwhile to consider comprehensive and collision coverage.

The state of Idaho requires every passenger to carry an insurance card with them either on their person or in the vehicle. This applies to those that have insurance from a carrier and those which have an indemnity bond. The indemnity bond must be verified through Idaho’s department of motor vehicles which have locations at Idaho Falls, Boise, Caldwell, Pocatello, and Buhl.

Other insurance drivers may want to consider is uninsured motorist protection. Idaho has a relatively low uninsured motorist rate compared to the national average, however, if it better to be safe than sorry if you are in accident with an uninsured motorist. Uninsured motorist protection is going to cover the amount the uninsured driver does not adequately have or no insurance at all.

Idaho is among the states where car insurance rates are the cheapest in the nation for more than two years in a row. Motorists who need to get the lowest possible price on vehicle insurance can compare different quotes with a quote comparison tool without the hassle of spending a few hours trying to call every insurance company to get a quote. Apart from comparing insurance quotes, there are more things you can do to get the best rates.

Local Car Insurance Agents in Idaho

Driving without insurance in the state of Idaho will bring you fines and penalties and successive convictions can bring you fines into hundreds, even thousands of dollars if you include court costs.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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