Idaho Motorcycle Insurance
How to get the cheapest motorcycle insurance in Idaho
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- How to get the cheapest motorcycle insurance in Idaho
- Liability requirements in Idaho
- Motorcycle Insurance in Idaho: Best Rates by City
- Motorcycle Insurance Discounts in Idaho
- Motorcycle Insurance In Idaho: How to Get Your Motorcycle License
- Motorcycle Insurance in Idaho: Coverage Options
- Best coverage rates in Idaho Regarding Motorcycle Insurance
- Motorcycle Insurance in Idaho: Who offers It?
- Motorcycle Insurance in Idaho SR22
- Motorcycle Insurance in Idaho: Liability Only Rates
- Motorcycle insurance in Idaho: Frequently Asked Questions
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
- Edit Article Information
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 for Idaho 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 |
Motorcycle 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 Idaho Motorcycle 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 Regarding Motorcycle Insurance
Wanting to know the cost of Full coverage Motorcycle Idaho 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 SR22
In Idaho, an SR-22 is a certificate of financial responsibility that is often required for drivers who have been convicted of certain traffic violations or offenses, such as driving under the influence (DUI) or driving without insurance. It’s a form filed by an insurance company with the state’s Department of Motor Vehicles (DMV) to verify that a driver has the state-mandated minimum amount of liability insurance coverage.
If you’re required to obtain an SR-22 in Idaho, you’ll need to contact your insurance provider. They will assist you in filing the necessary paperwork with the Idaho DMV. Keep in mind that SR-22 filings typically result in higher insurance premiums due to the increased risk associated with the driver’s record.
It’s crucial to maintain continuous coverage with an SR-22 for the specified period mandated by the court or the DMV. Failure to do so can lead to further penalties, including the suspension or revocation of your driving privileges. Once the required period is over and you’ve fulfilled all obligations, your SR-22 status will be lifted, and you can typically revert to standard insurance coverage.
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 Idaho Motorcycle Insurance Quotes, 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 |
| Progressive Insurance in Idaho |
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- Motorcycle Insurance in Idaho offers coverage for riders in the state.
- We provide insurance options tailored to your motorcycle needs.
- For more information or to get a quote, call us at 1.888.445.2793.
Last Updated on by Marlon Moss