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
- 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
- Motorcycle Insurance in Idaho: Who offers It?
- Motorcycle Insurance in Idaho: Liability Only Rates
- Motorcycle insurance in Idaho: Frequently Asked Questions
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
Liability requirements in Idaho
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.
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|
|Mountain Home AFB||Dairyland|
|Malad City||The General|
|St. Maries||The General|
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|
|Anti Lock Brakes|
|Vehicle Usage & Mileage|
|Garaged or Locked Storage|
|Operators Safety Course|
|MC Endorsement on License|
|Continuous Insurance Discount|
|Years of Riding Experience|
|Motorcycle Rider Group Discount|
|Operator’s Education Course|
|Multi Lines Discount|
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|
|Guest Passenger Liability|
|Uninsured Motorist Bodily Injury|
|Uninsured Motorist Property Damage|
|Transport Trailer Coverage|
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|
|Mountain Home AFB||$212|
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:
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|
|Mountain Home AFB||$102.00|
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|
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Last Updated on by Alexis Karapiperis