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• ID Auto Insurance

Idaho Auto Insurance Information: Quotes, Rates, Laws &Repair Shops

Get A Low Your Idaho Auto Insurance Premium

It’s important to know Idaho’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about Idaho’s auto insurance laws and compare Idaho auto insurance company quotes here, your one-stop-shop for all things related to Idaho car insurance.

Idaho auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Idaho is a "fault" state for auto insurance.

Most states have adopted a fault-based (also known as tort-based) system of car insurance. In Idaho, this means that insurance companies pay according to each party’s degree of fault. If you and your insurer don’t see eye-to-eye on your claim, you may have to file suit for uncompensated economic damages such as lost wages, medical expenses and/or compensation for pain and suffering.

PIP (Personal Injury Protection) insurance is not required in Idaho.

Personal injury protection is also known as Medical Payment Insurance. It is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Idaho does not require uninsured or underinsured motorist coverage.

If you were in an accident with an uninsured driver, trying to recover money damages is time-consuming and stressful. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Idaho, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Idaho auto insurance rates.

Click for more information about Idaho auto insurance quotes.