Motorcycle Insurance in Idaho

Liability requirements in Idaho

State	Minimum Liability	PIP?
Idaho	25/50/15	N/A

Liability limits are written in “split limit” form. For further explanation of Idaho’s insurance requirements, check out our helpful guide here!

When considering getting a motorcycle, it’s always wise to understand the laws in your state before getting on the road.

Here are a few to consider.

The law requires you have at least Liability insurance on your Motorcycle. Remember, the minimum liability requirements are effective in the case of a collision with another vehicle.

If you need more coverage for such things like theft, single vehicle collisions, and other types of damage you’ll need to get a policy with comprehensive and collision coverage as well.

Personal injury protection-Optional.

Medical payments coverage-Optional.

Uninsured/Underinsured motorist coverage-Optional.

Rejection form required for Uninsured motorist coverage.

Minimum requirements– 25/50/15-This means $25,000 coverage per person, $50,000 coverage per accident, and $15,000 coverage for property damage.

Motorcycle Insurance in Idaho: Best Rates by City

Wondering what the cost of insurance is in your city?

That’s a great question. Rates vary depending on the city you live in.

Who knew?!

Here are a few examples:

While rates in Lewiston, Idaho can start around $189.00, In Middleton the price starts slightly cheaper at $186.00. Another instance, in Hidden Springs the premium starts at $178.00 but jumps up a whole dollar in Kellogg at around $179.00. These are just a few examples of how rates can vary from city to city.

So where to even start? Since rates are so different wherever you go, try getting rates with the best insurance company for that city.

If you take a look at the chart below, we have done the work for you and listed which motorcycle insurance in Idaho carrier has proven to be the cheapest for it’s respective city.

City in Idaho	Company with Best Rates
Spirit Lake	Geico
Sugar City	Progressive
New Plymouth	Geico
Osburn	The General
Bellevue	Farmers
Mountain Home AFB	Dairyland
Malad City	The General
Star	The General
Kimberly	Progressive
American Falls	Geico
Rupert	Progressive
Idaho Falls	Farmers
Grangeville	Progressive
Rigby	The General
Payette	Farmers
Weiser	Progressive
St. Maries	The General
Preston	Farmers
Twin Falls	Dairyland
Post Falls	Dairyland
Wilder	Progressive
Priest River	Geico
Kuna	The General
Salmon	Dairyland
Shelley	Progressive
Kellogg	Geico
Homedale	Geico
Hailey	Dairyland
Rexburg	Progressive
Ketchum	Geico
Montpelier	The General
McCall	Geico
Jerome	The General
Ucon	Geico
Mountain Home	Progressive
Soda Springs	Dairyland
Filer	Geico
Rathdrum	Geico
Sun Valley	Progressive
Hidden Springs	Dairyland
Victor	Geico
Moscow	Dairyland
Garden City	Geico
Marsing	Geico
Emmett	Geico
Iona	Dairyland
Fort Hall	Progressive
Chubbuck	Progressive
Wendell	Farmers
Heyburn	Progressive

Insurance Discounts in Idaho

Did I hear someone say savings? Discounts? You heard right!

Wondering if you’re eligible for discounts? We have great news! There are several ways to be eligible for savings!

We have listed a few below for you to review:

How many years experience you have riding: The longer the experience, the better the rates.   

Married discount: Thank your spouse! Statistics show that those who are married tend to be more responsible on the road. It can be debated whether or not that’s true…but numbers are numbers.

Association membership: Perhaps you have heard of the American Motorcycle Association, or the Harley Owners Club? There are a number of motorcycle clubs and associations in Idaho. Take a look! This is another instance where statistics have shown that riders who belong to a club tend to be safer while driving, so you get another discount opportunity. Yay!

Take a look at our complete list of discount chances you might be missing out on:

Discount Opportunities in Idaho
Married Discount
Advanced Quote
Anti Lock Brakes
PIF Discount
Association Membership
Vehicle Usage & Mileage
Garaged or Locked Storage
Paperless
Responsible Driver
HOG Discount
Prior Insurance
Operators Safety Course
MC Endorsement on License
Homeownership Discount
Continuous Insurance Discount
Education Discount
EFT Discount
Years of Riding Experience
Motorcycle Rider Group Discount
Prompt Payment
Operator’s Education Course
Multi Lines Discount
Multi Policy

Motorcycle Insurance In Idaho: How to Get Your Motorcycle License

Now that you’ve decided that you want a Motorcycle, and you have your motorcycle insurance in Idaho secured… you might ask “How do I begin to get a Motorcycle license?”

The first, and probably the best thing you can do is to look into Motorcycle driving and skills training classes. This helps insure that you are well prepared to be on the open road with fellow drivers.

The process to obtain an Idaho Motorcycle License is a two step process.

First, you must take a written exam (we know. sorry!) Second, you must complete an on the road skills exam. But, just know the written test must be done first.

Motorcycle Insurance in Idaho: Coverage Options

When acquiring motorcycle insurance in Idaho, you might ask -what coverage options do I have?

As discussed earlier, liability coverage is not optional. And while it’s the cheapest coverage, you might be surprised at how little extra it might cost to add more.

Getting the most out of your insurance is always the smartest thing to look into. Ask your agent about the coverage options you see below:

Motorcycle Insurance in Idaho Coverage Options
Safety Riding Apparel
Physical Damage Plus
Medical Payments
Collision
Guest Passenger Liability
Uninsured Motorist Bodily Injury
Rental Reimbursement
Liability
Comprehensive
Roadside/Trip Interruption
Uninsured Motorist Property Damage
Diminishing Deductible
Optional Equipment
Accessory Coverage
Transport Trailer Coverage
Roadside
Trip Interruption
Carried Contents

Best coverage rates in Idaho

Wanting to know the cost of Full coverage Motorcycle insurance?

What some people don’t know is that motorcycle insurance in Idaho providers vary their rates depending on the city you live in.

Take a look at some of the cheapest full coverage options there are in your city.

City in Idaho	Avg. Full Coverage Rate
Marsing	$197
Idaho Falls	$206
McCall	$227
Homedale	$213
Wendell	$180
Ketchum	$199
Sugar City	$203
Boise City	$187
Pocatello	$222
Rigby	$215
Driggs	$235
Twin Falls	$192
Heyburn	$181
New Plymouth	$231
Fruitland	$213
Iona	$179
Middleton	$180
Weiser	$227
Soda Springs	$208
Garden City	$238
Nampa	$210
Ammon	$228
Mountain Home	$180
Burley	$214
American Falls	$240
Caldwell	$181
Osburn	$197
Priest River	$209
Montpelier	$198
Ucon	$228
Kimberly	$184
Filer	$233
Buhl	$239
Blackfoot	$230
Coeur d’Alene	$177
St. Maries	$212
Parma	$183
Rexburg	$205
Sandpoint	$192
Kuna	$234
Jerome	$200
Post Falls	$232
Aberdeen	$202
Salmon	$237
Spirit Lake	$236
Mountain Home AFB	$212
Malad City	$226
Chubbuck	$195
Lincoln	$194
Wilder	$176
Sun Valley	$188
Bellevue	$209
Grangeville	$208
Kellogg	$175
Lewiston	$202
Fort Hall	$180
Bonners Ferry	$183
Orofino	$215
Hidden Springs	$223
Moscow	$214
Hailey	$181
Dalton Gardens	$195
Meridian	$195
Victor	$201
Gooding	$196
Preston	$239
Hayden	$216
Rathdrum	$240
Star	$214
St. Anthony	$226
Eagle	$229

Motorcycle Insurance in Idaho: Who offers It?

When looking for insurance on your Motorcycle, It’s always best to look around for the best insurer.

It’s also good to know which company offers motorcycle insurance in Idaho, with the best rates and discounts (make sure to ask about any additional savings)  for your HOG!

Here are a few options for residents in Idaho:

• Allstate
• Progressive
• Dairyland
• Geico
• Nationwide.

Motorcycle Insurance in Idaho: Liability Only Rates

It makes absolute sense that you’d want the best motorcycle insurance in Idaho without breaking the bank. If that’s the case, liability only coverage is your best bet. We need to save those pennies!

So when searching for Motorcycle Quotes in Idaho, you might wonder where to begin?

Let us help you! Many companies offer Insurance quotes online. Progressive offers Insurance for 1 Motorcycle for rates as little as $75 a year.

But with many more examples like this, It’s always best to do your due diligence when looking for quotes. 

City in Idaho	Liability Only Rate
Burley	$119.00
Hidden Springs	$122.00
Lincoln	$113.00
Emmett	$131.00
Ammon	$132.00
Osburn	$115.00
Bellevue	$127.00
Meridian	$105.00
Jerome	$107.00
Mountain Home AFB	$102.00
Hayden	$124.00
Iona	$123.00
Kimberly	$106.00
Idaho Falls	$111.00
American Falls	$101.00
Soda Springs	$125.00
Parma	$102.00
Sun Valley	$100.00
Orofino	$118.00
Coeur d’Alene	$127.00
Bonners Ferry	$99.00
New Plymouth	$111.00
Rexburg	$111.00
Eagle	$128.00
Pocatello	$106.00
Boise City	$130.00
Spirit Lake	$114.00
Kellogg	$98.00
Mountain Home	$97.00
Moscow	$116.00
Payette	$116.00
Preston	$129.00
Nampa	$105.00
Wilder	$96.00
Fort Hall	$107.00
Rigby	$129.00
Grangeville	$112.00
Dalton Gardens	$135.00
Weiser	$107.00
Hailey	$125.00
Rathdrum	$120.00
Sugar City	$135.00
Priest River	$107.00
McCall	$121.00
Salmon	$121.00
Ketchum	$104.00
Homedale	$134.00
Twin Falls	$122.00
Heyburn	$117.00
Blackfoot	$133.00
Montpelier	$109.00
Caldwell	$125.00
Gooding	$116.00
Star	$99.00
Marsing	$101.00
Driggs	$105.00
Garden City	$135.00
Aberdeen	$132.00
Malad City	$122.00
Lewiston	$96.00
Buhl	$125.00
Chubbuck	$96.00
Victor	$106.00

Motorcycle insurance in Idaho: Frequently Asked Questions

• Who has the cheapest Insurance for motorcycles in Idaho?

We all want a great deal but, with that said, there is no easy answer. Insurers rates can vary depending on many factors, including the city you live in. Here are a few to review and hopefully find the best price in your city in Idaho. Greenwood village- Geico. Lafayette- Progressive. Loveland- Dairyland. Pueblo West- Farmers.

• Do you need insurance on your Motorcycle in Idaho?

Yes. The state of Idaho requires proof of license and Insurance when riding your Motorcycle. It’s for the safety of yourself and others.

• Is Progressive or Geico better for Motorcycle Insurance in Idaho? 

Progressive Vs. Geico…the age old question. It’s great to know however, since there are so many different options out there these days. Progressive offers many discounts for riders. Including- Paperless, Safe drivers, Experienced drivers and so much more. On the other hand Geico offers rates that a lot of Insurers can not match.

• How much does Motorcycle insurance cost for most drivers in Idaho?

The average price for Motorcycle insurance in Idaho can range anywhere from $120 to almost $649 per year. Always shop around for rates that will be best for you.

Additional Helpful Links

Insurance in Idaho
SR-22 Insurance in Idaho
Auto Insurance Idaho
Full Coverage Insurance in Idaho
Homeowners Insurance Idaho
Liability Insurance in Idaho

Last Updated on April 14, 2023 by Alexis Karapiperis