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Idaho Insurance

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There are many requirements that you have to fulfill in order to legally operate a vehicle in any state in the United States. This includes Idaho, as you might expect. One of these requirements is getting a legal and valid driver’s license from the state of Idaho’s Division of Motor Vehicles. Another requirement is that you get some kind of automobile insurance and maintain that insurance as long as you are legally operating a vehicle in the state. This means that you have to make your auto insurance payments on time so that there is no gap in your automobile insurance coverage.

Proof of Idaho Auto Insurance

There are a number of different states that require you to provide proof that you have auto insurance to the state’s Division of Motor Vehicles. Idaho joined that list of states when a new law regarding auto insurance went into effect in January 2020. Idaho drivers have to submit proof that they have had auto insurance for at least two months consecutively. In the event that you do not do this, you are risking having your license suspended by the Idaho DMV. You do have to provide this proof of insurance every month, as stated here.

Minimum Auto Insurance in Idaho

Many states require you to have a minimum amount of auto insurance coverage. Idaho is one of those states. In the state of Idaho, you must have at least $25,000 of bodily injury coverage per person and $50,000 of bodily injury coverage per accident. Additionally, you are required to have at least $15,000 of property damage coverage per accident as well. You can think of this as 25/50/15 if you like. You should keep in mind that this is the minimum amount of coverage, so you can certainly get more coverage.

Optional Coverage

You can get supplemental or optional auto insurance coverage if you want to be even more protected on the road in Idaho. One of these types of coverage is comprehensive coverage and this covers the cost of damage to your vehicle from something other than an accident. This includes water damage, theft, and fire. You can also get medical payment coverage, as well. As you might have guessed, medical payment coverage pays for medical expenses for you in addition to your passengers after an accident has happened. This coverage pays out no matter who was at fault for the accident. It can help a great deal with the aftermath of an auto accident.

Idaho Automobile Insurance Plan

If you do not have the best driving record, auto insurance companies in the state of Idaho may hesitate to insure you. You might find that you cannot get an auto insurance policy by going through the open market in Idaho. In this case, you have the option of applying via the Idaho Automobile Insurance Plan. You can contact a licensed auto insurance agent and they will help you with the application process. You should know that getting a plan through the Idaho Automobile Insurance Plan usually means the coverage will be quite a bit more expensive than a regular auto insurance policy.

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Last Verified:
Aug 17, 2022