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Idaho Car Insurance

Idaho is one of the least densely populated States in the USA, so it comes as no surprise that there are statistically fewer multiple vehicle collisions on the roads of Idaho than in many other States. There were however more than 25,000 car accidents in 2008, which is testament more to the poor condition of the roads and seasonal inclement weather than driving ability. Consequently, auto insurance rates in Idaho are generally lower than the national average.

Idaho is one of the States which allows its citizens to make alternative arrangements for carrying auto insurance. You can either have a “regular” insurance policy with an Idaho car insurance company, an indemnity bond from an authorized surety company, or self-insurance – if you have a minimum of 25 cars registered to your name and a net worth in excess of $500,000. Most people choose to provide evidence of their financial responsibility through a car insurance company in Idaho.

Idaho Car Insurance Requirements

Idaho does not have a “no fault” policy for car insurance, so there is no compulsion for drivers in Idaho to purchase Personal Injury Protection. However, Idaho is one of States which has higher liability limits than most when it comes to injury/death and damage to property. These limits also apply to anybody using an off-highway motorbike or all-terrain vehicle, when they drive their vehicle on State and federal land.

Minimum liability limits for auto insurance in Idaho

$20,000 for injury/death to one person

$50,000 for injury/death to more than one person

$15,000 for damage to property

Idaho Auto Insurance Laws

Proof of financial responsibility must be carried in your vehicle at all times and provided upon request to a law enforcement officer. Failure to be able to demonstrate that you have car insurance in Idaho will mean a fine of $75.00 and, if you have no insurance at all, you could be looking at a fine of $1,000 dollars and up to six months in jail. Consequently, Idaho has a low percentage of uninsured drivers – 9 per cent according to the Insurance Research Council.

Being convicted of driving under the influence of alcohol is not harshly penalized in Idaho, although your car insurance premium will suffer as a result. Those who offend only once will have their license suspended for a period of 90 days unless their blood alcohol content is 0.20 grams of alcohol per 100 milliliters of blood or higher – the penalty for which is a year´s suspension. Drivers can reinstate their licenses by payment of a reinstatement fee, participation in Idaho´s ignition interlock program and by carrying SR22 insurance for a minimum of three years.

Recommended Idaho Car Insurance Coverage

With a low accident rate, low percentage of uninsured drivers and minimal car theft (see below), most drivers in Idaho choose to buy car insurance which covers just their minimum liability. There is good reason to increase your coverage, particularly to comprehensive cover, if you live in an area which suffers from prolonged icy road conditions.

Comprehensive cover will also provide protection for you and your family if you are involved in an accident with an uninsured/underinsured driver, and provide personal injury protection if you have an accident through your own negligence. Comprehensive insurance need not be very expensive, and there are several steps you can take to get cheap Idaho auto insurance quotes.

Cheap Idaho Auto Insurance Quotes

The most common way of getting cheap Idaho auto insurance quotes is to use a comparison tool – like the one at the top of the page. This will enable you to obtain quotes from a number of different Idaho car insurance companies from which you can select the cheapest or best for the level of coverage you want. There are certain tricks you can use to bring down the cost of car insurance in Idaho – such as volunteering to pay a higher deductable or participating in a defensive driving course which may qualify you for a car insurance discount.

Other steps you can take in order to get cheap car insurance quotes include fitting safety devices to your vehicle – such as automatic seat belts and daytime running lights – and buying an approved electronic car recovery system (such as Lojack, Teletrac, or OnStar) to enable quick recovery of your vehicle in the event that it is stolen. Even if you live in a rural area and lock your car in an impenetrable garage each night, the costs of improving your vehicle security will be more than recovered by getting cheap car insurance quotes.

Idaho Car Insurance Ratings

Your personal car insurance “rating” is calculated using historical and statistical data which car insurance companies have compiled over a period of time. Data which shows (for example) that two thirds of all fatal road traffic accidents in Boise are caused by men and that, despite Idaho´s rather lax young driver licensing system, as many car accidents are caused by drivers aged between 25-34 and 35-44 as are caused by drivers aged 15-24 (This is a fairly unique statistic within the States, and one reason why young drivers in Idaho do not pay heavy premiums on their auto insurance).

Other factors which will have a bigger impact on your car insurance rating in Idaho include:-

  • Where You Live – Despite the low rates of auto theft in Idaho, you are still more likely to have your car stolen in an urban area than in the country. If you do not have secure parking facilities where you live, you will pay more for your car insurance.
  • Driving History – Idaho has a quite complicated points allocation system for traffic violations, and once you reach a certain limit, your license will be suspended and you will be required to get SR22 insurance before it is reinstated. This could affect your car insurance rates in Idaho for three years.
  • Credit Score – Research into drivers and accident patterns has shown a relationship between a good credit score and a good driving history. It is felt that if you act responsibly with your money, you will act responsibly on the roads – and get an auto insurance discount as a result.
  • The Make of Vehicle You Drive – Below, we have published a list of the most commonly stolen vehicles in Idaho and, if your car appears on this list, it is likely that you will be penalized with higher car insurance premiums unless you fit additional security devices.
  • Vehicle Usage – You will also pay more for your car insurance in Idaho if you use your car to commute to work every day. Car drivers who only use their vehicles at weekends or locally for shopping at the mall will benefit from cheaper car insurance rates in Idaho.

Most Stolen Vehicles in Idaho

Each year the National Insurance Crime Bureau (NICB) releases a list of the most commonly stolen vehicles in each State. Although Idaho has an exceptionally low rate of auto theft in comparison to other States, inclusion on this list may affect your Idaho auto insurance premium.

The list for 2009 was as follows:-

  1. Dodge Ram
  2. Chevrolet Pick Up
  3. Honda Civic
  4. Honda Accord
  5. Ford F150 Pick Up
  6. Ford Taurus
  7. Ford Ranger
  8. Ford Explorer
  9. Ford F350 Pick Up
  10. Dodge Neon

Where Your Vehicle May Get Stolen in Idaho

The NICB also publishes a list of the 360 national metropolitan districts in which auto theft per capita is highest. Idaho managed to contribute six districts to this list, but as you will see from their national positions (which appear in brackets) Idaho fares well against other States.

  1. Coeur d´Alene (235)
  2. Lewiston (257)
  3. Pocatello (311)
  4. Idaho Falls (321)
  5. Boise City (327)
  6. Logan (360)

Typical Idaho Insurance Rates

Because of all the reasons mentioned above, drivers in Idaho enjoy much lower car insurance rates than the national average ($1,440). It was mentioned above that where you live might influence your quoate for auto insurance in Idaho and the list below represents what the average car insurance premium was in selected towns throughout the State in 2009.

Your own car insurance quote may differ from these figures due to your personal circumstances.

Car Insurance in Moscow – $983

Car Insurance in Coeur d´Alene – $1,143

Car Insurance in Pocatello – $1,146

Car Insurance in Idaho Falls – $1,157

Car Insurance in Lewiston – $1,177

Car Insurance in Twin Falls – $1,219

Car Insurance in Boise City – $1,258

Car Insurance in Caldwell – $1,281

Car Insurance in Nampa -$1,307

Car Insurance in Meridian – $1,318

Idaho Car Insurance Companies

The list below is a comprehensive selection of car insurance companies in Idaho. Those which we have reviewed are underlined, and you can click on the link to read our opinion of their services. However, do not ignore all the others, as some car insurance companies in Idaho will offer discounted rates for young drivers, drivers of a certain profession or those with an exemplary driving history.

AIG Farm Bureau Mutual Phoenix
Allied Property & Casualty Farmers Phoenix Indemnity
Allstate Farmers Alliance Mutual Progressive
Alpha Property & Casualty Federal Response
AMCO Fidelity National Rocky Mountain
American Bankers Financial Indemnity Safeco
American Commerce Firemans Fund Sagamore
American Family First Liberty Security Insurance Company
American Fire & Casualty Foremost Security National
American Home Assurance Garrison State Farm
American International GEICO Sublimity
American Modern Grange Insurance Association Teachers
American National Hartford Travelers
American Reliable Horace Mann Trinity
American Standard IDS Trumbull
AMEX Assurance Insurance Company of the Twin City Fire
AMICA State of Pennsylvania Unigard
Auto-Owners Liberty Mutual USAA
California Casualty Markel Valley
Casualty Underwriters Metropolitan Vigilant
Clarendon Mid-Century Viking
Dairyland Mutual of Enumclaw Voyager
Dakota Fire National General West American
Depositors National Interstate Western Community
Electric National Union Fire Western Protectors
Employers Mutual Nationwide Western United
Encompass North Pacific Insurance Company Workmens Auto
Enumclaw Oregon Mutual Yosemite

As you can see, there is a large choice of auto insurance companies in Idaho from which to get car insurance quotes, and consequently there is a lot of competition for your business. The quickest way to start getting car insurance quotes is to enter your ZIP code into the box at the top of the page and start seeing how much you could save on your auto insurance in Idaho.

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