Comprehensive Auto and Home Insurance Guide for Idaho – Get Your Best Quotes Now!

Discover peace of mind in Idaho with A Plus Insurance—your trusted brokerage for tailored, reliable insurance solutions. Call for a free, personalized quote today!

Car Icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

House Icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

Motorcycle Icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

State Liability Requirements in Idaho

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form

Idaho State Minimum Car Insurance Requirements – What You Need to Know

When you’re looking for insurance quotes in Idaho, understanding the state’s minimum car insurance requirements is crucial. In Idaho, you’re legally required to have liability insurance to cover damages or injuries you may cause in an accident. The state mandates the following minimum coverages:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury per accident
  • $15,000 for property damage

Remember, these are just the minimums. Considering the potential costs of accidents, it’s often wise to opt for higher coverage. Think of liability insurance as your financial safety net on the road; it’s there to protect you from unexpected expenses.

Rate Comparison Table

Here’s a quick comparison of estimated monthly rates for the state minimum coverage from various insurers we work with:

Insurance CarrierEstimated Monthly Rate for Minimum CoverageCoverage Type
Progressive$65State Minimum
National General$60State Minimum
The General$70State Minimum

These rates are estimates and can vary based on factors like your driving history, credit score, and the type of vehicle you insure.

Key Points to Remember:

  • Always exceed state minimums if possible for better protection.
  • Rates can vary significantly between carriers; always compare.
  • Consider factors like customer service and claim satisfaction when choosing an insurer.

Remember, as an insurance brokerage, we’re here to help you find the best coverage for your needs in Idaho. Whether you need basic liability or more comprehensive coverage, we can assist in finding the right policy for you.

Finding the Most Affordable SR22 Car Insurance in Idaho

If you’re on the hunt for SR22 car insurance in Idaho, you’re likely looking for a plan that meets legal requirements without breaking the bank. SR22 isn’t actually a type of insurance but a form that your insurance company files with the state to prove you have coverage. Often required after a DUI or other serious violations, it’s crucial to find a policy that offers both compliance and value. Here’s how you can secure affordable SR22 insurance in Idaho:

  1. Shop around: Different insurers offer varying rates for SR22 insurance.
  2. Maintain a clean driving record: This can help reduce your rates over time.
  3. Choose a vehicle that’s cheaper to insure: Some cars are less expensive to insure under SR22 requirements.

SR22 Insurance Rate Comparison

Below is a table comparing estimated monthly rates for SR22 insurance from different carriers we work with:

Insurance CarrierEstimated Monthly Rate for SR22 InsuranceCoverage Type
Progressive$95SR22 Insurance
Dairyland$100SR22 Insurance
The General$110SR22 Insurance

These estimates are based on average profiles and can vary based on individual circumstances.

Remember, SR22 insurance doesn’t have to be a financial burden. With the right guidance and comparison, you can find a plan that fits your needs and budget in Idaho. As your trusted brokerage, we’re here to help you compare and choose the best option for you.

Exclusive Discounts on Car Insurance in Idaho – Save Big!

In Idaho, finding car insurance that doesn’t strain your wallet is all about knowing where to look for discounts. Most insurance providers offer a variety of savings options, and being aware of these can significantly lower your premiums. For instance, you can benefit from discounts for safe driving, owning multiple policies with the same company, or equipping your car with safety features. Let’s break down some key discount types that can lead to more affordable insurance quotes in Idaho:

  1. Safe Driver Discounts: Maintaining a clean driving record can lead to substantial savings.
  2. Multi-policy Discounts: Bundling your car insurance with other policies like homeowners insurance often results in lower rates.
  3. Safety Feature Discounts: Cars equipped with anti-theft devices or advanced safety features may qualify for reduced premiums.

Insurance Discount Comparison

Here’s a comparison of potential discount percentages offered by different insurers we partner with:

Insurance CarrierSafe Driver DiscountMulti-Policy DiscountSafety Feature Discount
ProgressiveUp to 20%Up to 10%Up to 5%
National GeneralUp to 15%Up to 12%Up to 7%
The GeneralUp to 10%Up to 8%Up to 4%

Remember, these discounts can vary and depend on individual circumstances. As an insurance brokerage, we’re dedicated to helping you explore these options to ensure you get the best possible rate for your car insurance in Idaho. We’ll assist you in comparing quotes and finding discounts that apply to your situation.

Best Rates for Liability-Only Auto Insurance in Idaho

Searching for liability-only auto insurance in Idaho? You’re making a smart, budget-friendly choice. Liability-only insurance is often the most cost-effective option, especially if you own an older car. It covers damages or injuries you might cause to others in an accident but doesn’t cover damages to your own vehicle. Here are a few tips to find the best rates:

  1. Compare quotes: Rates can vary widely between insurers, so it’s essential to shop around.
  2. Ask about discounts: Even with liability-only coverage, discounts for things like a clean driving record or multiple policies can apply.

Liability-Only Insurance Rate Comparison

Here’s a comparison table showing estimated monthly rates for liability-only auto insurance from different insurers:

Insurance CarrierEstimated Monthly RateCoverage Type
The General$55Liability-Only

These rates are based on average profiles and can vary depending on your specific situation. As an insurance brokerage, we can help you navigate these options and find the most suitable insurance quotes in Idaho for your needs.

How Your Car Insurance Rate is Determined in Idaho

When looking for insurance quotes in Idaho, it’s vital to understand what factors influence your car insurance rates. Insurance companies consider a variety of elements to determine your premium. These include your driving history, age, the type of car you drive, and even your credit score. Here’s a quick rundown:

  1. Driving Record: A clean driving history can lead to lower rates.
  2. Age and Experience: Younger, less experienced drivers often face higher premiums.
  3. Vehicle Type: The make and model of your car can impact your rate, with high-performance or luxury vehicles typically costing more to insure.
  4. Credit Score: A higher credit score can often translate into lower insurance rates.

Car Insurance Rate Factors

Below is a table that illustrates how different factors can affect your insurance rates with various carriers:

Insurance CarrierImpact of Driving RecordImpact of Vehicle TypeImpact of Credit Score
The GeneralHighHighModerate

These impacts are general estimates and can vary based on individual circumstances. As your insurance brokerage, we’re committed to helping you find the best insurance quotes in Idaho that fit your unique profile and needs. Remember, understanding these factors can help you make informed decisions about your auto insurance.

Idaho’s Most Affordable Broadform and Non-Owners Car Insurance

When you’re in need of insurance quotes in Idaho for non-standard coverage like broadform or non-owners car insurance, it’s essential to know where to find the best deals. Broadform insurance, covering you as a driver rather than a specific vehicle, is perfect for those who drive multiple cars. Non-owners insurance is ideal if you frequently rent or borrow cars. Both types offer a flexible, cost-effective way to stay insured. Here are key points to remember:

  1. Broadform Insurance: Best for those who drive several cars that they don’t own.
  2. Non-Owners Insurance: Ideal for those who don’t own a car but need liability coverage when they drive someone else’s vehicle.

Rate Comparison for Broadform and Non-Owners Insurance

Check out this table for a glimpse at estimated monthly rates for broadform and non-owners insurance from various insurers:

Insurance CarrierBroadform Insurance RateNon-Owners Insurance Rate
The General$70$60

These rates are estimates and can vary based on individual circumstances. As an insurance brokerage, we help you find the most suitable and affordable insurance in Idaho, tailored to your unique driving needs.

Maximize Savings with Bundle/Homeowners Discounts in Idaho

Unlocking savings on insurance quotes in Idaho is easier when you consider bundle discounts, particularly combining your auto and homeowners insurance. Many insurance providers offer significant discounts when you bundle multiple policies, such as car and home insurance. This not only simplifies your insurance management but also helps in significantly reducing your overall insurance costs. Here are two key points to keep in mind:

  1. Savings: Bundling can lead to substantial savings on both your auto and home insurance premiums.
  2. Convenience: Managing multiple policies through a single provider simplifies your insurance paperwork and payments.

Bundle Discount Rate Comparison

This table illustrates potential savings from bundling auto and homeowners insurance with different carriers:

Insurance CarrierAuto Insurance RateHomeowners Insurance RateBundle Discount
Progressive$70$80Up to 10%
Dairyland$75$85Up to 15%
The General$80$90Up to 12%

These rates are estimations and can vary based on individual profiles and coverage needs. As an insurance brokerage, we’re here to help you navigate these options and secure the best insurance quotes in Idaho, ensuring you get the coverage you need with the savings you deserve.

Finding the Cheapest Full Coverage Insurance in Idaho

If you’re on a quest for the most cost-effective full coverage insurance in Idaho, you’re in the right place. Full coverage insurance, encompassing both collision and comprehensive insurance, is vital for thorough protection on the road. It covers a wide range of potential incidents, from accidents to theft and natural disasters. Here’s how to find the best deal:

  1. Compare Quotes: Different insurers offer varying rates for full coverage, so comparing quotes is key.
  2. Check for Discounts: Look out for discounts like safe driver or multi-policy discounts that can significantly lower your costs.

Full Coverage Insurance Rate Comparison

Below is a table that compares estimated monthly rates for full coverage insurance from different carriers:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$90Full Coverage
Dairyland$95Full Coverage
The General$100Full Coverage

These rates are estimates and can vary depending on factors like your vehicle, driving history, and coverage limits. As an insurance brokerage, we’re dedicated to helping you find the best insurance quotes in Idaho to fit your needs and budget, ensuring you get comprehensive protection at an affordable price.

How to Economize on Homeowners Insurance in Idaho

Saving on homeowners insurance in Idaho can be straightforward if you know the right strategies. First, shop around and compare quotes from different insurers to find the best rates. Each company calculates risk differently, so prices can vary significantly. Also, consider raising your deductible, as a higher deductible usually leads to lower premiums. However, ensure it’s an amount you can afford in case of a claim. Keep these points in mind:

  1. Enhance Home Security: Installing security systems can often lower your insurance costs.
  2. Maintain a Good Credit Score: Insurers may offer better rates to homeowners with strong credit histories.

Homeowners Insurance Rate Comparison

This table compares estimated annual rates for homeowners insurance from different carriers:

Insurance CarrierEstimated Annual RateCoverage Level
National General$1,150Standard

Remember, these are estimated figures and can vary based on your home’s location, size, and other factors. As a brokerage, we can assist you in finding the most cost-effective insurance quotes in Idaho. Our goal is to help you protect your home without overstretching your budget.

Key Factors Influencing Home Insurance Rates in Idaho

When it comes to home insurance rates in Idaho, several key factors play a crucial role in determining your premiums. One significant factor is the location of your home. Properties in areas prone to natural disasters or high crime rates might see higher insurance costs. The age and condition of your home also impact rates; older homes or those needing repairs can be more expensive to insure. Consider these elements:

  1. Construction Material: Homes built with durable, fire-resistant materials may have lower insurance rates.
  2. Home Safety Features: Features like smoke detectors and burglar alarms can positively influence your premiums.

Home Insurance Rate Influencing Factors

Here’s a table outlining how various factors can affect home insurance rates with different carriers:

Insurance CarrierImpact of LocationImpact of Home Age and ConditionImpact of Safety Features
National GeneralModerateHighModerate

These impacts are general and can vary based on individual home characteristics. As your insurance brokerage, we’re dedicated to helping you find the most suitable insurance quotes in Idaho, considering all these factors to ensure you get comprehensive coverage at a reasonable cost.

Top Picks for Motorcycle Insurance in Idaho

For motorcycle enthusiasts in Idaho, choosing the right insurance is as crucial as selecting the perfect bike. When searching for motorcycle insurance in Idaho, it’s important to consider factors like coverage options, customer service, and affordability. A good policy should offer comprehensive protection, covering not just damage to your bike, but also liability and medical expenses in case of accidents. Here are some quick tips:

  1. Shop Around: Different insurers offer varying rates and coverage options.
  2. Consider Your Needs: Tailor your policy based on your riding habits and bike type.

Motorcycle Insurance Rate Comparison

The following table gives a glimpse of estimated monthly rates for motorcycle insurance from different carriers:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$30Full Coverage
Dairyland$35Full Coverage
National General$40Full Coverage

These rates are approximate and can vary based on factors like your bike’s model, your riding history, and the coverage amount. As a brokerage, we’re here to assist you in finding the best insurance quotes in Idaho, ensuring your peace of mind while you enjoy the ride.

Business Liability Insurance Solutions in Idaho

For businesses in Idaho, safeguarding your operation with the right business liability insurance is a smart move. This insurance protects your business from claims that can arise during normal operations, such as property damage or bodily injury to others. It’s essential to tailor your coverage to the specific needs and risks of your business. Here are some important considerations:

  1. Assess Your Risk: Different businesses have different levels of risk that need to be covered.
  2. Compare Policies: Look for coverage that offers the best protection for your business at a reasonable price.

Business Liability Insurance Rate Comparison

Below is a comparison of estimated annual rates for business liability insurance from various carriers:

Insurance CarrierEstimated Annual RateCoverage Level
The General$1,300Standard

These rates are approximate and can vary based on your business type, size, and specific insurance needs. As a brokerage, we’re here to help you find the most appropriate insurance quotes in Idaho for your business, ensuring you have the necessary protection without overextending your budget.

Top 50 Cities in Idaho for Auto and Home Insurance Quotes

Explore Idaho’s diverse cities and how their traffic, population, and location impact auto insurance rates. Discover the nuances influencing premiums across these 50 vibrant locales.

  1. Boise – Larger population may lead to higher traffic density and increased likelihood of accidents.
  2. Meridian – Growing population might affect rates due to increased traffic and potential for accidents.
  3. Nampa – Population density and traffic conditions can impact insurance premiums.
  4. Idaho Falls – Urban area with varying traffic patterns, affecting insurance rates.
  5. Pocatello – Population size and traffic volume may influence rates.
  6. Caldwell – Population growth might impact insurance rates.
  7. Coeur d’Alene – Tourist influx and seasonal changes may affect rates.
  8. Twin Falls – Traffic flow and accidents may impact insurance costs.
  9. Lewiston – Location and traffic conditions may affect premiums.
  10. Post Falls – Proximity to Spokane, WA, may influence rates due to cross-border factors.
  11. Rexburg – Student population might affect rates.
  12. Moscow – University town with potential influence on insurance rates.
  13. Eagle – Affluent area potentially impacting rates.
  14. Kuna – Growing population might affect insurance costs.
  15. Ammon – Population growth and traffic factors might impact rates.
  16. Chubbuck – Traffic patterns and density could influence premiums.
  17. Hayden – Seasonal variations and tourist influx may affect rates.
  18. Mountain Home – Local traffic conditions may influence insurance costs.
  19. Blackfoot – Population size and traffic flow could impact rates.
  20. Garden City – Urban area with varied traffic conditions affecting rates.
  21. Jerome – Local traffic patterns might influence insurance premiums.
  22. Burley – Traffic conditions may impact insurance rates.
  23. Star – Suburban area potentially affecting rates.
  24. Sandpoint – Tourist destination affecting seasonal insurance variations.
  25. Hailey – Tourist influx and affluent population may influence rates.
  26. Rathdrum – Proximity to Spokane and traffic factors might impact rates.
  27. Middleton – Growing population could influence insurance costs.
  28. Payette – Traffic conditions and population size may affect rates.
  29. Emmett – Local traffic and accident rates might impact premiums.
  30. Rupert – Traffic conditions and population density could influence rates.
  31. Weiser – Local traffic and accident rates may affect insurance costs.
  32. Preston – Local traffic patterns might influence insurance premiums.
  33. Fruitland – Traffic conditions and population size could impact rates.
  34. Shelley – Local traffic patterns and accident rates may affect premiums.
  35. American Falls – Traffic conditions may influence insurance rates.
  36. Buhl – Local traffic flow might affect insurance premiums.
  37. Bonners Ferry – Rural location and seasonal variations could influence rates.
  38. St. Anthony – Traffic patterns and local demographics might affect rates.
  39. Gooding – Traffic conditions and population density could impact rates.
  40. Orofino – Location and traffic factors might influence insurance costs.
  41. Grangeville – Local traffic patterns might affect insurance premiums.
  42. Salmon – Rural location and traffic patterns could influence rates.
  43. Soda Springs – Local traffic conditions might impact rates.
  44. Wendell – Traffic patterns and population density may affect rates.
  45. Ketchum – Tourist influx and affluent area potentially impacting rates.
  46. Bellevue – Local traffic conditions might influence insurance costs.
  47. Spirit Lake – Rural location and traffic patterns might impact rates.
  48. Kimberly – Local traffic conditions may affect insurance rates.
  49. Montpelier – Rural location and traffic factors could influence rates.
  50. Priest River – Rural location and traffic conditions may impact rates.

Keep in mind, these descriptions are general and insurance rates are determined by multiple factors, including population density, traffic conditions, accident rates, crime rates, weather patterns, and more. Individual circumstances can significantly impact auto insurance premiums.

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How to Get a Free Quote for Progressive Insurance in Idaho


Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.



Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have



We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.



Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Get Free Insurance Quotes in Your State!
Insurance quotes in Alabama
Insurance quotes in Alaska
Insurance quotes in Arizona
Insurance quotes in Arkansas
Insurance quotes in California
Insurance quotes in Colorado
Insurance quotes in Florida
Insurance quotes in Georgia
Insurance quotes in Idaho
Insurance quotes in Indiana
Insurance quotes in Iowa
Insurance quotes in Kansas
Insurance quotes in Louisiana
Insurance quotes in Maine
Insurance quotes in Maryland
Insurance quotes in Michigan
Insurance quotes in Mississippi
Insurance quotes in Missouri
Insurance quotes in Montana
Insurance quotes in Nebraska
Insurance quotes in New Mexico
Insurance quotes in New York
Insurance quotes in North Carolina
Insurance quotes in Ohio
Insurance quotes in Oklahoma
Insurance quotes in Oregon
Insurance quotes in South Carolina
Insurance quotes in South Dakota
Insurance quotes in Tennessee
Insurance quotes in Texas
Insurance quotes in Utah
Insurance quotes in Vermont
Insurance quotes in Virginia
Insurance quotes in West Virginia

Frequently Asked Questions about Insurance Quotes in Idaho

Frequently Asked Questions about Insurance Quotes in Idaho

Q: How do I get an insurance quote in Idaho?

A: Contact us for a personalized quote at 1.888.445.2793 or through our website.

Q: What factors affect insurance rates in Idaho?

A: Factors like population density, traffic conditions, and location influence insurance premiums in Idaho.

Q: Are there discounts available for Idaho residents?

A: Yes, we offer various discounts for Idaho residents. Contact us to learn more about available discounts.

Here’s What Our Clients Say About Us​

Last Updated on by Amanda Moss

Spread the love
Scroll to Top