Best by State.

Best Affordable Auto Insurance in Idaho
Get Free Quotes and Find the Best Coverage

Saving money on Idaho auto insurance can be easy if you are willing to put the time and effort into shopping for a policy. The two best ways to get a cheap car insurance rate is to not only get multiple free quotes from different insurers, but to also be familiar with state law and what coverage is a necessary part of your policy. It is illegal to drive without insurance in the state of Idaho; in addition drivers must always have "Proof of financial responsibility" which is proof that a driver is able to pay damages for liability, on account of accidents at which they are at fault. The easiest way to satisfy both of these requirements is to have an auto policy that meets the state minimums. A policy must have bodily injury liability in the amount of $25,000 to cover bodily injury to or death of one person in an accident, bodily injury liability in the amount of $50,000 to cover bodily injury to or death of two or more people in an accident that you are at fault for. Unlike most other states, there is no state requirement for property damage, just bodily injuries in Idaho. However, if you are shopping for a policy with property damage coverage, the minimum amount an insurer will start with is $15,000 to cover injury to or destruction of property because of an accident you are at fault for. Idaho insurance code also states that an insurance policy covering liability is not valid unless the policy provides coverage against uninsured motorists. The minimum limits for this coverage depend on location and a few other factors, so make sure to ask exactly how much you need before you sign a new policy. Finding the best and most affordable auto insurance in Idaho can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Idaho. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Gem State.

Understanding Idaho's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Idaho one must understand what coverage they need. The state of Idaho does not require protection from uninsured motorists or any Personal Injury Protection (PIP) coverage. It is not a no-fault state and thus has minimum liability coverages.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Idaho the minimums are 20/40/15. The numbers are in thousands of dollars.

Idaho Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 20/40/15
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $332
  • Average Collision Cost: $228
  • Average Comprehensive Cost: $118
  • Average Cost per Year in Idaho: $564
  • US Average Cost: $795
  • Expense Rank: 47/51

Best Idaho Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
39%
63%
49%
N/A 42%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A N/R
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%