Idaho Car Insurance Quotes

Idaho has been called the “Gem State” because of its rich diversity of jewels, especially star garnets. “Famous Potatoes” is the motto on Idaho license plates. Drivers in the State of Idaho must carry the minimum for personal injury and property damage insurance.

Idaho Motto: “May It Endure Forever”

The Comanche, Nez Perce and Shoshone Native-American tribes originally called this beautiful land their own. The Shoshone Falls, North Fork Clearwater River and Salmon River offer great site-seeing opportunities and may be the reason for the nickname of “Scenic Idaho.”

Lewiston, Idaho is a popular skiing area. Gooding, Idaho has the world’s largest factory for making barrel cheese. Numerous popular breweries get their malt from Idaho.

Boise is a big center for semiconductor manufacturing, especially dynamic random-access memory (DRAM) chips. The Idaho Transportation Department has maintained the north-south US-95 highway running through the entire state. Motorists must carry a minimum level of insurance to drive in the State of Idaho.

Minimum Idaho Insurance Coverage

The “Idaho Insurance Code Section 41-2502” and “Idaho Code Section 49-117(18)” establish that drivers in the state must carry proof of financial responsibility (insurance) for any liability “arising out of the ownership, maintenance or use of a motor vehicle.” Here are the required minimums for coverage:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two persons
  • $15,000 for property damage or destruction

If you don’t want uninsured or underinsured motorist coverage, you must reject it in writing.

Select Your County Below to Start the Insurance Quote Process:

Ada County
Adams County
Bannock County
Bear Lake County
Benewah County
Bingham County
Blaine County
Boise County
Bonner County
Bonneville County
Boundary County
Butte County
Camas County
Canyon County
Caribou County
Cassia County
Clark County
Clearwater County
Custer County
Elmore County
Franklin County
Fremont County
Gem County
Gooding County
Idaho County
Jefferson County
Jerome County
Kootenai County
Latah County
Lemhi County
Lewis County
Lincoln County
Madison County
Minidoka County
Nez Perce County
Oneida County
Owyhee County
Payette County
Power County
Shoshone County
Teton County
Twin Falls County
Valley County
Washington County

Penalties for Non-Compliance

Idaho drivers must present proof of insurance if they are pulled over. Idaho ranks 45th worst in the states for uninsured motorists. Idaho car insurance laws are presented in the following: “Idaho Code Section 49-1208” proof of insurance, “Idaho Code Section 49-1222” drivers license surrender and “Idaho Code Section 49-1229” required motor vehicle insurance.

The first offense for a lack of car insurance could lead to a fine of $75.00 and license suspension. For the year following conviction, you must maintain proof of financial responsibility. Subsequent offenses (within 5 years) could lead to a fine of up to $1,000, license suspension and/or jail time of 6 months. Violators must maintain proof of insurance for 3 years after conviction.

Idaho “Famous Potatoes”

Idaho is a beautiful state rich with potatoes, jewels and semiconductor chips. To drive in the State of Idaho legally, fill out the form above for a free quote.