Have you ever dreamed of spending the night in the world’s largest potato? To visit a ghost town, or to view petroglyphic maps? What if you could live in Idaho, host to all of these adventures?
Before you pack your bags and head to the Gem State, you’ll need to make sure your Idaho car insurance is up to date and meets the state requirements. In this guide, we’ll take a look at everything you need to know about legally registering a car in Idaho.
Idaho Car Insurance Minimum Requirements
Driving in Idaho means you must carry at least the state-required minimum car insurance. Currently, that means your policy should cover:
- Bodily injury liability: $25,000 per person and $50,000 per accident.
- Property damage liability: $15,000 per accident.
- Uninsured and underinsured motorist coverage: $25,000 per person and $50,000 per accident each.
If you don’t meet at least these requirements, you can get into trouble with the law. We’ll talk a bit more about the consequences for a lapse in your insurance later in this guide.
What is the Average Cost of Car Insurance in Idaho?
If you’re insuring a vehicle in Idaho, you’ll pay significantly less than you would in other states. The typical driver with a clean record and decent credit will pay around $1,045 per year for full coverage. If you opt to only purchase the minimum insurance, you’ll pay just an average of $307 per year.
There are factors that will impact the rate you pay for your insurance premiums. Your age, sex, zip code, driving record, credit, and more can mean you pay more (or less) for your Idaho car insurance.
Why is Car Insurance So Cheap in Idaho?
As noted, Idaho car insurance is cheap relative to many other states. There are three primary reasons why this is true.
First, Idaho is an at-fault state. At-fault states generally have slightly lower car insurance premiums because only one insurer is paying out in the event of an accident.
Secondly, Idaho is very rural. Fewer drivers on the road means less opportunity and likelihood that you’ll be in a car accident. Of course, fewer accidents mean less money paid out by insurers, which allows them to set premiums lower.
Finally, Idaho simply has lower minimum insurance requirements than other states. You’re paying less for Idaho car insurance because you’re getting less coverage.
Lapses in Idaho Car Insurance
If you’re stopped by law enforcement and can’t prove you have Idaho car insurance, it can be bad news for you!
For your first offense, your fine can be anywhere between $75 and $1,000. You’ll also have to provide proof of a year’s worth of car insurance before your driving privileges can be reinstated.
Subsequent offenses carry harsher penalties. Not only will you have to pay a fine, but you’ll also be charged with a misdemeanor. Unless you can get this resolved in your favor in court, your criminal charge will stay on your criminal record. Jail time up to six months is also a possibility.
To put it simply, Idaho car insurance is cheap. It’s much wiser to pay for at least the minimum coverage than it is to face a criminal record and hefty fines and fees.
Best Auto Insurance in Idaho
Idaho drivers were polled and asked who they loved for car insurance. The following five companies consistently ranked best for coverage, low rates, and excellent customer service.
- State Farm
- Farm Bureau
Because no two drivers have the same driving history, credit, or lifestyle, be sure to shop around for your coverage. You may find that these companies work just fine for you, or you may discover that another option is better for your wallet and peace of mind.
Driving in Idaho
Once you’re insured and street legal in Idaho, it’s time to see the sights. Here are a few facts about driving in the Gem State that you may find interesting.
- In Idaho Falls, drivers over the age of 88 aren’t permitted to ride motorcycles.
- In Coeur d’Alene, if an officer approaches a vehicle and suspects that the occupants are “engaged in adult activities,” he must honk or flash his lights, then wait for three minutes before resuming his approach.
- The longest road in Idaho is US Highway 20, which stretches 411 miles east and west across the state.
- The number one cause of crash-related injuries in Idaho is distracted driving, so put your phone down!
Conclusion: Car Insurance in Idaho
Famous for its potatoes, Idaho has a lot more to offer. But you can only legally travel the state of Idaho if your insurance and registration are up to date. Thankfully, Idaho car insurance is affordable, so purchase your coverage and we’ll see you at the world’s largest beagle!