If you are desperately trying to lower your car insurance rates, consider eliminating full coverage and switch to liability only coverage (IF you aren’t legally or financially obligated to carry full coverage).

If wise to do so, you can get cheap Idaho car insurance but having only what is legally required by the state.

Take a look at Idaho insurance requirements and what is legally required:

Liability Limits

• $25,000 Per Person For Bodily Injury Coverage
• $50,000 Per Accident For Bodily Injury Coverage
• $15,000 Property Damage Coverage

Personal Injury Protection/PIP

The State of Idaho does NOT require drivers to carry Personal Injury Protection or PIP. Also known as no-fault insurance, it helps cover expenses such as doctor’s visits, loss of income, or even funeral costs resulting from car accident. This is a more extensive coverage than medical payments, another option of auto insurance coverage.

Medical Payments/MedPay

Medical payments, while similar to PIP, does not cover non-medical expenses like childcare or loss of income. However, it does help cover (up to the limit set on your policy) medical bills and funeral expenses resulting from an auto accident, regardless of who is at fault. Idaho does NOT require this coverage, but they do require agents to offer it, and the insured to sign a rejection form if it’s declined.

Uninsured Motorist Coverage/Underinsured Motorist Coverage (UM/UIM)

This is another coverage that Idaho does not technically require. However, uninsured motorist coverage is highly recommended. There are a high number of uninsured drivers in each and every state. If they cause an accident, or you are involved in a hit and run, UM coverage will give you that added protection by covering your property damage and bodily injury costs.

There are some instances where people need the bare minimum insurance, to the point where paying for the extra peace of mind isn’t financially worth it.

For example, if your drivers license was suspended or revoked, you aren’t even legally able to be on the road. Paying for extra coverages isn’t going to be necessary.

However, if you are in that situation and trying to get your license back, the state has likely required you to get an SR22 and needs you to provide proof of insurance.

While it sounds frustrating to have to have insurance before even being back on the road, there are many options to help you find cheap Idaho car insurance without breaking the bank.

Take a look at some sample rates of what Idaho liability insurance with an SR22 could like:

Idaho Liability Insurance Company	Average Lowest Liability Only Monthly Costs with SR22
Dairyland	$78
Mendota Ins. Company	$91
Geico	$94
The General	$98
National General	$99
AssuranceAmerica	$103
Progressive Insurance	$106
21st Century	$121
American Family	$121
GAINSCO	$121
Safeco	$124
USAA	$126
Allstate	$129
Nationwide	$133

Cost For Liability Only Car Insurance in Idaho (By City)

Average Cost For SR-22 Insurance – Liability Only in Idaho
City	Price
Victor	$94.00
Burley	$109.00
Heyburn	$103.00
Rupert	$95.00
Sandpoint	$99.00
Coeur d’Alene	$96.00
Pocatello	$96.00
Iona	$86.00
Payette	$86.00
Fruitland	$94.00
Post Falls	$91.00
Parma	$96.00
Boise City	$87.00
Ucon	$108.00
American Falls	$102.00
Aberdeen	$101.00
Malad City	$93.00
Rathdrum	$92.00
Preston	$91.00
Dalton Gardens	$98.00
Spirit Lake	$104.00
Gooding	$110.00
Twin Falls	$94.00
Sun Valley	$87.00
Wilder	$109.00
New Plymouth	$92.00
Hidden Springs	$100.00
Bonners Ferry	$102.00
Lincoln	$109.00
Star	$102.00
Rigby	$98.00
Filer	$110.00
McCall	$99.00
Nampa	$100.00
St. Anthony	$101.00
Orofino	$93.00
Weiser	$100.00
Chubbuck	$99.00
Bellevue	$99.00
Rexburg	$103.00
Salmon	$87.00
Lewiston	$89.00
Kimberly	$95.00
Mountain Home AFB	$101.00
Moscow	$96.00
Homedale	$105.00
Hayden	$106.00
Marsing	$105.00
Sugar City	$109.00
Montpelier	$90.00
Kellogg	$88.00
Emmett	$89.00
Buhl	$88.00
Wendell	$87.00

Who Has The Lowest Liability Priced Car Insurance in Idaho? (By City)

City	Price
McCall	Progressive
Preston	Geico
Ucon	Progressive
St. Anthony	Progressive
Aberdeen	The General
Driggs	The General
Ammon	Liberty Mutual
Buhl	Bristol West
Wendell	Progressive
Victor	Geico
Hidden Springs	Liberty Mutual
Lincoln	Liberty Mutual
Post Falls	Geico
Kimberly	National General
Chubbuck	Liberty Mutual
Coeur d’Alene	Geico
Eagle	Progressive
Homedale	Geico
Soda Springs	Liberty Mutual
Shelley	Bristol West
Priest River	Liberty Mutual
Bonners Ferry	Progressive
Filer	Dairyland*
Pocatello	Geico
Star	The General
Mountain Home	National General
Meridian	Liberty Mutual
Middleton	Liberty Mutual
Iona	Progressive
Grangeville	The General
Bellevue	Liberty Mutual
Emmett	Liberty Mutual
Hailey	Liberty Mutual
Blackfoot	Progressive
Rathdrum	Progressive
Rexburg	Geico
Weiser	Geico
Orofino	Bristol West
Mountain Home AFB	Progressive
Garden City	Farmers
Fruitland	Progressive
Rupert	Dairyland*
Heyburn	Bristol West
Idaho Falls	Progressive
Lewiston	Geico
Hayden	The General
Spirit Lake	Progressive
Burley	The General
Moscow	Geico
Salmon	Geico
Rigby	Progressive
Montpelier	Dairyland*
Fort Hall	Liberty Mutual
Sandpoint	The General
Kuna	Geico
Nampa	The General
Payette	Geico
New Plymouth	Progressive
Boise City	Liberty Mutual
Twin Falls	Progressive
Sun Valley	Liberty Mutual
Osburn	Progressive
Dalton Gardens	Dairyland*
St. Maries	Farmers
Marsing	Geico
Parma	Bristol West
Jerome	The General

There are some instances where you might not even own a vehicle at all, and still need or want insurance. If this is your situation, consider a broadform or nonowners policy.

In either of these policies, you are required to have the minimum required Idaho liability insurance, and you cannot add comprehensive or collision coverage.

Why would you need a broad form or non owner’s policy?

Broadform/Broad Form Insurance:

This type of liability only coverage policy is ideal for someone who often drives or borrows another vehicle they do not own. It only covers one person/the named insured, and will not allow other drivers to be added to the policy. This coverage is not available in all states, but Idaho is one of the few states that offer broad form insurance.

Non Owners Insurance:

A non owners policy is another liability only insurance type of coverage. In this case, it is primarily for a driver who does not own a vehicle, but is still required to have at least the state minimum liability requirements.

Take a look at some potential liability rates someone in Idaho might expect to pay for their broad form or non owners policy:

Broad form or Non Owners Insurance Company	Potential Monthly Auto Insurance Rate
Dairyland	$101
Progressive Insurance	$103
The General	$112
Bristol West	$139
Mendota Ins. Company	$160
Geico	$168
Allstate	$218
Acceptance RTR	$228
State Farm	$238

If you have a driving record full of violations such as speeding tickets, a DUI, or numerous at-fault accidents, full coverage insurance is likely to cost you hundreds, even a couple thousand of dollars a month.

But by having only Idaho liability insurance, at the bare minimum, you can save significantly on your insurance rates each month, until your violations come off your record.

Auto Insurance Company in Idaho	Average Monthly Rate
The General	$155
Bristol West	$158
Dairyland	$159
Progressive Insurance	$159
National General	$171
GAINSCO	$176
Acceptance RTR	$181
Mendota Ins. Company	$182
Geico	$184
Nationwide	$184
Safeco	$185
AssuranceAmerica	$186
Liberty Mutual	$190
State Farm	$190

One mistake that many young people are guilty of, is purchasing a brand spanking new vehicle while still in their teens.

This will very likely result in EXTREMELY high rates. Young drivers are deemed as inexperienced and also lack a built of history of good credit or insurance scores. The rates will always be higher for a young driver.

However, a great course of wisdom for drivers under 25: don’t start out with a new, expensive vehicle. A young driver already has too many rating factors going against them, to add a vehicle with a high MSRP and required extra coverages like comprehensive or collision is going to cost them big time.

Therefore, an older used vehicle, with liability only coverage, can be a great asset in helping a young driver eliminate high monthly insurance costs, while in the meantime helping them build a good driving record and insurance score.

Car Insurance Company	Potential Monthly Rate for Young Drivers
National General	$131
Progressive Insurance	$136
Dairyland	$141
The General	$146
Farmers	$152
USAA	$153
Bristol West	$157
Allstate	$160
AssuranceAmerica	$161
American Family	$164
Geico	$168
Mendota Ins. Company	$171
21st Century	$172
Acceptance RTR	$174

Even though we all want the cheapest insurance rates possible, liability only insurance just might not suffice.

If you are concerned about uninsured drivers, or not having enough coverage to pay for at-fault damages done to more expensive vehicles, then you might want to pay for higher liability limits.

In some cases, you might even be required to carry full coverage.

If this is your situation, don’t fret. Full coverage might still be within your budget.

Take a look at some discounts you might qualify for, and ask your agent how you can add these to your policy.

When the Bare Minimum Idaho Insurance Requirements are NOT Enough

• You are financing your vehicle or own a new car: If you have a lienholder or are leasing your vehicle, you likely are required to have full coverage, or comprehensive and collision insurance. Check with your lienholder to make sure you are in compliance with their requirements. If you have an expensive car, you are better off paying a little extra a month to potentially cover damages done to your vehicle.

• You use your car for commercial or business purposes: If you use your automobile to carry equipment to a job site, transporting goods or passengers, and other similar purposes, the minimum liability requirements will not be enough. Ask your agent about a commercial policy if you think you fit the criteria.

• Rideshare Services/Uber or Lyft: Similar to commercial purposes, if you are working for a rideshare service like Uber or Lyft, your auto policy might not cover you if you have not disclosed you drive for such a company. Also, you will usually be required to have higher than the state minimum on your policy.

Should I Upgrade To Full Coverage Car Insurance in Idaho? Cost By City

City	Price
Moscow	$155
Chubbuck	$157
Marsing	$178
Lincoln	$154
Bellevue	$175
Iona	$162
Montpelier	$182
Fruitland	$154
Ammon	$163
Post Falls	$163
Emmett	$150
Pocatello	$180
Rathdrum	$169
St. Anthony	$156
Gooding	$171
Hayden	$146
Lewiston	$166
Buhl	$155
Orofino	$182
Malad City	$155
Sandpoint	$181
Idaho Falls	$157
Jerome	$171
Grangeville	$146
Ketchum	$152
Boise City	$165
Wilder	$162
Rigby	$181
Wendell	$177
Rexburg	$176
Coeur d’Alene	$163
Kellogg	$175
Rupert	$177
St. Maries	$174
Hidden Springs	$150
American Falls	$162
Caldwell	$146
Bonners Ferry	$178
Mountain Home AFB	$147
Nampa	$147
Sugar City	$155
Fort Hall	$147
Soda Springs	$147
Ucon	$165
Spirit Lake	$170
Kimberly	$166
Kuna	$158
Preston	$170
Blackfoot	$158
Middleton	$150
Meridian	$160
Garden City	$180
Sun Valley	$166
Salmon	$181
Aberdeen	$178
Weiser	$156
Payette	$150
Osburn	$167
New Plymouth	$146
Burley	$151
Dalton Gardens	$156
Homedale	$167
Shelley	$157
Victor	$156
Star	$150

Article Information

Title: Cheap Idaho Car Insurance

URL: https://learnandserve.org/cheap-idaho-car-insurance/

Key Points:

• Idaho state law requires minimum liability coverage.
• Additional coverage options include collision and comprehensive.
• Factors influencing rates include driving history, age, and coverage type.

Call-to-Action:

For personalized assistance or a quote, call us at 1.888.445.2793.

Last Updated on March 20, 2024 by Alexis Karapiperis