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Idaho Auto Insurance Requirements
by Doug Cohen

Generally, any vehicle operated on public highways in the Gem State must be insured, registered and titled.

So what is the Mandatory Auto Insurance Law in Idaho?
Idaho law requires drivers in the State of Idaho, whether driving in Boise, Idahoís state capital, or Bonners Ferry, Idaho Falls or Twin Falls, Coeur díAlene or Pocatello, or somewhere in between, to have only an auto insurance liability policy, of - at least - the required minimum limits.

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What are those Minimum Required Limits in the 43rd State?
Under Idaho law, you are required to have car insurance liability limits of at least 25/50/15. What does this mean? It means:
$25,000 per person, for bodily injury you cause
$50,000 per accident, for bodily injury, and
$15,000 per accident, for damage to anotherís property, usually their car.

The insurance identification card includes the name of the insurance company, the policy number, and the policyís effective and expiration dates. It also includes a description of the insured car(s) and/or the name of the insured driver.

Proof of Insurance
If stopped by an Idaho law enforcement officer, you must present an insurance identification (ID) card showing that the car is insured. Your auto insurance company must provide you with an ID card whenever they issue or renew your car insurance liability policy. You can also get an ID card or temporary proof of insurance for each car covered under your policy if you purchase your auto insurance from InstantCarInsurance.com or Ensurance.com after comparison shopping online auto insurance quotes. You can simply print your own ID cards online instantly - and for free.

The insurance ID card includes the name of the car insurance company, the policy number, and the policy effective and expiration dates. It also includes a description of the insured car(s) and/or the name of the insured driver(s).

If you do not carry proof of auto liability insurance and you are stopped by Idaho law enforcement, the State of Idaho considers it a traffic infraction. You can receive a fine and it may go on your driving record. Idaho courts could also add other unwanted fees to your fine so always keep a current (up to date) proof of Idaho auto insurance ID card in the car with you at all times.

How to Find the Best Auto Insurance Rates in Idaho
It is very important to comparison shop for the best coverage at the lowest rates especially for Idaho Auto Insurance. There are many online resources that provide free quotes from licensed Idahoan insurance companies and are approved by the Idaho DMV. If you think you may be paying too much for auto insurance, residents of Idaho can save time and money by comparing car insurance quotes quickly and anonymously between top name Idaho auto insurance carriers simply by logging on to InstantCarInsurance.com. The State of Idaho requires minimum auto insurance of 25/50/15 as long as you have a valid Idaho car tag and car registration. Keep this in mind when shopping for basic coverage and evaluate it against car insurance quotes with higher coverage for a little more money. You may need it someday despite not being as cheap.

Money Saving Tip: Most people do not realize that insurance companies change rates continuously and typically repost new rates twice monthly. Thus we recommend you return to InstantCarInsurance.com to re-rate your cars monthly, to be sure you are still getting the best deal and the rock-bottom, lowest, cheapest price you can for auto insurance! Why not? Itís free.

At the same time keep in mind, the cheapest car insurance is not always the best car insurance. So itís also a good idea to evaluate the number of complaints an insurance company has against them versus the number of cars they insure. Hereís a chart you might find informative.

CUSTOMER COMPLAINT RATIOS (for Selected Insurance Companies)
These complaint ratios are based on the number of written complaints received by the Insurance Division from January 1, 2006 to December 31, 2006 for the 11 insurance companies that write more than 95% of the private passenger automobile insurance market. These numbers do not reflect any determination on the part of the Insurance Division as to whether a particular complaint may have been justified or not and include no-fault hearing requests.
Insurance Company/Group No. of Autos Insured No. of Complaints Received Ratio of Complaints per 1,000 Autos
American International (AIG) 110,338 58 0.526
Allstate Insurance 61,985 12 0.194
DTRIC Ins. Co., Ltd. 33,326 44 1.320
First Insurance 26,143 4 0.153
GEICO 176,497 108 0.612
Hartford Underwriters Ins. 37,645 12 0.319
Island/Tradewind Insurance Co. 35,172 8 0.227
Liberty Mutual Insurance Co. 32,800 50 1.524
Progressive Insurance Co. 37,355 20 0.535
State Farm Insurance Co. 130,778 17 0.130
USAA Insurance Co. 76,422 8 0.105

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