Idaho Auto Insurance Policy Requirements

Q: What is in a basic Idaho auto insurance policy?
A: Included in a basic Idaho auto insurance policy are these primary kinds of insurance, some of which are required and others of which are optional:

  1. Liability Coverage
    1. Liability insurance is always divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is absolutely required in Idaho. All drivers must have a current driver’s license and a minimum of liability coverage in their auto insurance policies:
      1. 25/50/15” (Idaho’s minimum auto insurance requirement)
      2. $25,000 to cover the injury or death of one person.
      3. $50,000 to cover the injury or death of more than one person.
      4. $15,000 to cover the damage of property.
    3. Liability minimums are different for leased vehicles.
  2. Collision Coverage must be purchased for your Idaho auto insurance policy only if your vehicle is financed (not completely paid for). Collision is merely a recommended option if the vehicle is no longer financed.
  3. Comprehensive Coverage must be purchased for your Idaho insurance policy only if the vehicle is financed. If the vehicle is no longer financed, then comprehensive – like collision – is an optional part of an Idaho auto insurance policy.
  4. Medical Payments Coverage is recommended but not mandatory for an Idaho auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is also recommended but not required by law for insurance policies in Idaho.
  6. Personal Injury Protection (PIP) Coverage is not required by state law for an Idaho auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Idaho a No-Fault state?
A: Idaho is not a state that requires no-fault insurance.

Q: How can I get a discount on an Idaho auto insurance policy?
A: See our list of auto insurance discounts to see how you might qualify for the several possibilities of saving money on auto insurance policies.

Q: Where can I find more information about Idaho auto insurance?
A: Here are some dependable online resources with Idaho insurance information:
  1. Idaho Insurance Resources
    1. The Idaho Division of Motor Vehicles (DMV) registers driver’s licenses and vehicles in Idaho. Driving records including accidents are available through the Idaho DMV.
    2. The Idaho Department of Insurance (DOI) website has an automobile insurance page that offers tips on buying an auto insurance policy.
  2. National Insurance Resources

CLICKinsure offers its full-service insurance broker services in Idaho and throughout the Pacific Northwest. We are happy to serve a region with so much more to offer than just potatoes: Some of the most pristine, untouched natural beauties of the United States are found here, from the shocking drop of Hells Canyon to the unusual, otherworldly landscape of Craters of the Moon National Monument. A CLICKinsure agent can connect you with automobile insurance coverage in the entire Gem State, including Boise, Nampa, Idaho Falls, Pocatello, and Meridian.