Idaho Car Insurance – Auto Insurance Quotes in ID
Idaho is famous for its agricultural products and stunning wildlife but takes its nickname, the “Gem State”, from its vast mineral wealth. This eclectic variety of resources has attracted several technology firms, many retailers and numerous hospitality corporations to the state. As a result, residents enjoy a high quality of life that makes living in Idaho a joy.
However, due to the economic activity in the state and the many scenic routes, it is important to be aware of the minimum car insurance requirements mandated by the state. MyCarInsuranceRates.com can help with everything from learning about car insurance to buying the cheapest auto insurance policy available in Idaho.
Idaho Car Insurance Requirements
The state of Idaho uses a tort system for auto insurance, meaning one driver must be found at-fault for causing an accident. That driver, together with their car insurance company, will be responsible for all damages the accident causes, even costs above the limits on their car insurance policy. Additionally, drivers in Idaho can get uninsured and underinsured motorist bodily injury coverage, which covers bodily injury damages caused by an uninsured and/or underinsured driver.
While Idaho does not require this coverage for older policies, it is required on new policies and motorists are advised that it is valuable coverage to consider adding to an existing policy as well.
Understanding Idaho Car Insurance Liabilities & Coverage
It is important that drivers understand that newly issued or renewed car insurance policies must include uninsured and underinsured motorist coverage in Idaho. Idaho state law requires minimum bodily injury liability limits of $25,000 per injured person and $50,000 per accident, including medical expenses, as well as private and public property damage liability coverage with a minimum limit of $15,000 per accident. This basic coverage is often referred to as 25/50/15 coverage.
Idaho Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $15,000 Limit
Idaho Car Insurance Laws & Regulations
If a driver is pulled over for a traffic violation in Idaho and does not have proof of insurance with them, they could be issued a traffic citation. This will result in a fine and possibly points assigned to the driver’s driving record. Drivers who fail to carry insurance will find that the consequences are potentially a lot more severe than if they had actually obtained liability insurance to begin with.
Idaho’s no-insurance laws require proof of financial responsibility for one year for a first offense. The second violation of these laws within five years requires drivers to provide proof of financial responsibility for three years. Fines for not carrying mandatory auto insurance are not more than $75.
Average Idaho Car Insurance Rates
On average, Idaho drivers paid $1,156 for their auto insurance premiums in 2010, significantly lower than the national average of $1,538. Because of this, many people do not think they need to shop around for better rates. What they do not realize is that car insurance companies calculate risk and rates differently, so every driver’s rates will be different with each insurer.
Shopping around to get multiple car insurance quotes is the only way to see if a driver can save money with a lower rate from another insurer. MyCarInsuranceRates.com helps drivers find the best, cheapest car insurance rates available. Just enter your zip code and get affordable car insurance quotes from the best providers in your state.
Idaho Car Insurance Quotes
In Idaho, rates have changed over the past few years and 2010 saw a large decrease in auto insurance rates. Current average car insurance rates in Idaho were 18% lower in 2010 than 2009. This is why it is important to shop for car insurance and compare available rate quotes.
MyCarInsuranceRates.com makes getting online car insurance quotes from top car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance, quick and easy by allowing drivers to get all their coverage options online with a single click. Now is the perfect time for you to shop for new lower rates on your car insurance and potentially save hundreds of dollars.
Enter your zip code now, begin finding affordable car insurance quotes and buy cheap Idaho car insurance.
