Idaho Auto Insurance Requirements

Insurance coverage is required to legally drive a vehicle in the state of Idaho. Just as all of the other 49 states in the United States of America the state government regulates how the minimum coverage limits of insurance policies. Unlike most states, Idaho requires that all insurance policies include uninsured motorist coverage. You may reject this type of coverage in writing; however it is highly recommended that you carry this coverage in case you are ever involved in an accident with an uninsured or under insured driver.

The minimum coverage required in the state of Idaho is $25,000 for one personal injury, $50,000 for multiple personal injuries, and $15,000 for personal property damage per accident. It is required that you carry proof of such insurance coverage in your vehicle at all times. If you are stopped and do not have proof of insurance available to show the officer, you could face a ticket and fines.

DRIVING RECORD PENALTY

    Getting stopped without proper proof of insurance coverage could leave its mark. Your driving record could be negatively marked if you cannot provide sufficient evidence that the vehicle was insured at the time you were pulled over. This negative mark could potentially increase the amount of your insurance premium on a future policy.

BUYING INSURANCE

    You will want to be sure that you compare the rates of several different insurance companies before deciding which company to purchase your coverage through. There may be some discounts that some companies offer that are not offered at others.

    It is also crucially important that you consider getting more than the required minimum coverage for your vehicle. You should always take into consideration that if you were to be in an accident and found at fault you would be held personally liable for any damages that exceed the amount of your coverage.