Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 29, 2020

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In a nutshell...

  • Most car insurance companies offer $100,000 or more in liability insurance limits
  • Most financial advisors recommend a well-rounded car insurance policy that includes comprehensive and collision
  • It’s essential for all Idaho drivers to learn about the types of car insurance and potential car insurance discounts

Idaho is home to over 1.5 million residents, and all drivers are required to carry liability car insurance.

Almost all well-known brands such as Allstate, Geico and Progressive have a presence in Idaho, but many regional providers who never show up on top 10 car insurance company lists also offer coverage to Idaho Residents.

Finding an Idaho car insurance company is not difficult as there are over 110 licensed car insurance companies in Idaho!

Enter your zip code above to get FREE car insurance quotes today!

Idaho Car Insurance Laws

https://www.youtube.com/watch?v=eLUwMBUggNw

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

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The state of Idaho has mandatory minimum levels of liability coverage for any vehicle registered.

While liability insurance will not cover any damages to your vehicle, the minimum levels of liability insurance required by Idaho car insurance laws are sufficient for most minor accidents.

The current auto insurance requirements in Idaho are 25/50/15 which means:

  • $25,000 liability coverage per person per accident
  • $50,000 liability per accident
  • $15,000 property damage coverage

It’s essential to remember that state minimum car insurance requirements are liability only which means liability protection for damages/injuries to other people and not car insurance for you.

There are many types of car insurance available, and if you choose a policy which only meets state minimum requirements, you will avoid a ticket but not a total personal liability.

Most financial advisors recommend a well-rounded car insurance policy which includes comprehensive and collision coverage, GAP insurance, uninsured/underinsured motorist coverage and more.

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Who is the best Idaho car insurance company?

There is no list of the best car insurance companies around. However, there are many reliable and financially secure companies to choose from in Idaho.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in ID.

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What you should do is ask around and see who friends, family and associates like – ask about their experience with filing a claim – and do some research online about car insurance company reviews.

It’s essential for all Idaho drivers to learn about the types of car insurance, potential car insurance discounts and policy deductible options well ahead of any car insurance comparison search.

You may also want to factor in and qualify companies by some intangible factors which may be relevant to you such as customer service hours, local agent presence, online account management and even payment options.
Gender and age will affect your auto insurance. Younger drivers are often in a higher risk class. See if the gender stereotype (males vs female car insurance rates) holds true in ID.

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Six major factors affect car insurance rates in Idaho. Which auto insurance factors will affect rates the most? Find out below:

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Who is the cheapest car insurance company in ID? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in Idaho?

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Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  2. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  3. https://www.esurance.com/info/car/myth-gap-insurance-pays-for-any-totaled-car
  4. https://www.progressive.com/answers/car-insurance-deductible/