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This page reveals current details about saving money on Idaho car insurance.

Following these few easy steps will help Idaho car owners reduce their premium costs.

Read on to find your optimal Idaho auto insurance package.


Penalties for Driving Uninsured

An Idaho driver who is ticketed for operating an uninsured vehicle faces a fine of at least $75, and a suspended license for six months.

Repeat violations result in fines of up to a thousand dollars, and a suspended license for a year or more. On that note, people who are caught driving in Idaho with a suspended license face mandatory jail time. 

Minimum Liability Coverage

The minimum car insurance coverage required by law in Idaho is 25/50/15.

This means that car owners in Idaho must have $25,000 in coverage for personal injury, $50,000 in coverage against injury to others, and $15,000 worth of coverage for property damage for each owned vehicle.

Unfortunately, state minimums on car insurance often fail to cover the entire cost of an accident.

That's why insurance analysts recommend 100/300 liability coverage for each owned vehicle in America.

Compare Auto Insurance Rates

To Compare Auto Insurance Rates, note that The Average Annual Premium for Auto Insurance in the state of Idaho last year was about $935, making Idaho the 4th least expensive state for American drivers to buy car insurance. 

At the same time, the national average premium for car insurance was $1,347.

Reasons for Idaho's lower-than-average premiums include the state's low rate of DUI convictions, low crime rates, and a relatively small percentage of uninsured drivers.

Only about eight percent of drivers on Idaho roads are uninsured.

Scoring Low Cost Car Insurance

In Idaho and most U.S. states, auto insurance companies offer various discounts to promote healthy driving habits. Among the many discounts available are:

Defensive Driving Course Discount for drivers 55 and and above who pass an approved Accident Prevention Course

The Accident-Free Discount is for drivers who go three years without any at-fault accidents.

The Good Student Discount rewards high academic standing.

The Multiple Auto Discount is for owners of more than one vehicle.

Whenever you speak to an Idaho car insurance agent, remember to ask about the discounts.

Compare Auto Insurance Quotes 

According to current consumer satisfaction ratings, the top five auto insurance providers in America are Auto Owners Insurance, The Hartford, State Farm, Geico, and 21st Century Insurance.

Idaho drivers also like Allstate, Liberty Mutual and Travelers Insurance, among others.

Call several local agents, ask about discounts, and compare online quotes to find the best deal on auto insurance in Idaho, or anywhere else in America.

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