Auto Insurance Requirements in Idaho

You are required to have automobile insurance coverage in every state and Idaho is no different. If you are caught driving without insurance in Idaho it will be another ticket and violation on your record. You are required to at least have the minimum coverage or amount the Idaho law requires. You must have a card that shows your proof of insurance on the vehicle you are driving. The only vehicles that do not require insurance are vehicles designed solely for off road use. These vehicles are not allowed on public roads unless they are licensed and insured or are on a trailer.

The minimum insurance acceptable on a vehicle driven in Idaho is liabiltity coverage with 25,000 dollars per person for bodily injury and 50,000 per accident for bodily injury. You also need coverage of 15,000 dollars per accident for property damage. New and renewed coverages for insurance must have provisions for uninsured as well as underinsured vehicle.

Penalties for not having adequate insurance can be steep. First time offender must supply evidence of one year coverages of at least minimal insurance. A second time offender could have a much higher penalty if violations are within 5 years. This requires proof of financial obligation on 3 year term of minimal liability coverage. If you want more information on penalties and insurance requirement for Idaho you can contact the Idaho Transportation Department.

Remember you should have at least enough insurance coverage to protect you as well as anything you may harm. If there is a bigger claim then your insurance limits you could be personally liable. So look into policies big enough to protect your assets. You never know who or when an accident will occur but you want to be covered just in case.

Due to seasonal driving conditions that can be quite extreme so insurance is a wise idea in Idaho. With mountain driving as well as snow and rain an accident can occur any time. There are also chances for falling rocks and other obstacles that can get you in an accident. The minimal requirements for insurance is a good start but look into being fully protected.