Like many of the northern states, Idaho winters can be very hazardous for motorists. With annual snowfalls reaching as much as 500 inches in some of the higher elevations, having adequate insurance coverage for your vehicle is important. With CarInsuranceQuotes.com, saving money on car insurance in Idaho has never been easier. CarInsuranceQuotes.com shops reputable online companies like esurance.com, Nationwide and Farmers’ Insurance Group to find the cheapest insurance quotes for our customers so they can make the best decision when purchasing insurance policies for their vehicles.
Idaho Car Insurance Minimums
Like every other state in the country, Idaho requires its motorists to maintain a minimum amount of liability to cover property damages and medical expenses for the other party if they are found to be at-fault in an accident. At the present time the minimum requirements for Idahoans are set at 25/50/15. The first two numbers represent the minimum requirements for bodily injury protection and the third number represents the minimum requirement for property damage protection in thousands of dollars.
• Bodily Injury Liability- This type of coverage is intended to cover the medical expenses of the opposing party in an accident. If only the minimum amount of coverage is obtained, an insurance company will pay a maximum of $25,000 for a single person and a total of $50,000 for all persons for a single incident
• Property Damage Liability- Property damage is defined as damage to public property such as road signs or guard rails, private property such as a person’s home or a person’s vehicle. If the minimum coverage is obtained, the insurance company will allow for a maximum payout of $15,000 for a single incident.
With the skyrocketing costs of medical treatment and vehicle repairs, it is highly recommended that residents of The Gem State obtain greater than the minimum required liability insurance as well as Comprehensive and Collision coverage to pay for damages to their own vehicle if they are deemed to be at-fault in an accident or their vehicle is damaged as the result of an act of nature (i.e. thunderstorms, tree limbs) or by wildlife.
Even though the minimum car insurance requirements are a state law in Idaho, many residents of the state, as well as motorists from other states, fail to obtain adequate insurance coverage for their vehicles. For this reason, the state of Idaho also recommends that its residents obtain some type of Uninsured/Underinsured Motorist protection. UM protection helps pay for damages to the insured’s vehicle if the at-fault party fails to provide enough insurance coverage.
Idaho residents pay less, on average, for car insurance premiums than most other states. In fact, between 2006 and 2007 Idahoans saw the average premiums drop 6.2% from $1548 to $1457, making them the fifth-lowest state in the country. CarInsuranceQuotes.com understands how important low-cost car insurance is to Idaho residents and those is why CarInsuranceQuotes.com searches our partners for the lowest possible car insurance rates for our customers and give them multiple quotes so they can make an informed decision as to which company suits their needs the best. And getting car insurance quotes is easy. After entering their Zip code and answering a few questions about their driving history, CarInsuranceQuotes.com will do the rest of the work for them. No searching and no waiting; just fast, free service.