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Idaho Car Insurance

The insurance companies which provide the car and vehicle insurance often try to buy their exciting offers and discounts. The customer only gets attract when they actually like the deal and premium criteria of the insurance policy. The car insurance Idaho is the lowest price insurance providing state among all others. Hence here every small or big, luxury or non-luxury every single vehicle is covered by the certified company insurance policy.

Average rates of Idaho auto insurance

The premium structure of vehicle insurance in Idaho has the lower rates as compared to the other states around. This is the most of the people here have the legal and proper insurance of their vehicle. The average premium rates here start from $400 which goes higher eventually. The maximum and the most costly insurance policy premium here is of $1000.

Cheap Car Insurance in Idaho: by City

County Sedan Suv Coupe Truck Hybrid
Ada $669.00 $558.00 $641.00 $633.00 $736.00
Adams $703.00 $577.00 $663.00 $717.00 $790.00
Bannock $711.00 $581.00 $665.00 $684.00 $806.00
Bear Lake $689.00 $563.00 $643.00 $709.00 $781.00
Benewah $758.00 $621.00 $711.00 $734.00 $854.00
Bingham $768.00 $634.00 $729.00 $778.00 $854.00
Blaine $763.00 $565.00 $715.00 $611.00 $846.00
Boise $703.00 $577.00 $663.00 $688.00 $790.00
Bonner $761.00 $624.00 $715.00 $688.00 $856.00
Bonneville $767.00 $635.00 $729.00 $702.00 $851.00
Boundary $759.00 $621.00 $712.00 $778.00 $856.00
Butte $768.00 $632.00 $721.00 $693.00 $863.00
Camas $703.00 $577.00 $663.00 $717.00 $790.00
Canyon $724.00 $600.00 $690.00 $679.00 $801.00
Caribou $700.00 $571.00 $653.00 $657.00 $793.00
Cassia $686.00 $566.00 $651.00 $695.00 $763.00
Clark $768.00 $621.00 $721.00 $675.00 $863.00
Clearwater $765.00 $630.00 $724.00 $763.00 $856.00
Custer $765.00 $629.00 $714.00 $786.00 $863.00
Elmore $639.00 $525.00 $603.00 $629.00 $715.00
Franklin $710.00 $580.00 $663.00 $730.00 $804.00
Fremont $733.00 $604.00 $690.00 $711.00 $822.00
Gem $703.00 $577.00 $663.00 $688.00 $790.00
Gooding $695.00 $575.00 $660.00 $629.00 $771.00
Idaho $735.00 $602.00 $690.00 $753.00 $830.00
Jefferson $763.00 $629.00 $719.00 $730.00 $854.00
Jerome $719.00 $595.00 $684.00 $670.00 $795.00
Kootenai $756.00 $625.00 $718.00 $730.00 $839.00
Latah $729.00 $599.00 $688.00 $698.00 $817.00
Lemhi $768.00 $632.00 $721.00 $789.00 $863.00
Lewis $760.00 $624.00 $716.00 $670.00 $854.00
Lincoln $723.00 $598.00 $686.00 $734.00 $804.00
Madison $720.00 $593.00 $679.00 $707.00 $807.00
Minidoka $687.00 $567.00 $651.00 $696.00 $763.00
Nez Perce $728.00 $601.00 $691.00 $734.00 $813.00
Oneida $714.00 $583.00 $667.00 $716.00 $808.00
Owyhee $676.00 $556.00 $639.00 $690.00 $759.00
Payette $686.00 $564.00 $648.00 $624.00 $768.00
Power $714.00 $583.00 $667.00 $716.00 $808.00
Shoshone $743.00 $607.00 $699.00 $734.00 $839.00
Teton $768.00 $632.00 $721.00 $734.00 $863.00
Twin Falls $679.00 $561.00 $645.00 $687.00 $752.00
Valley $703.00 $577.00 $663.00 $717.00 $790.00
Idaho Car Insurance Rates by ZIP Code & City
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Car insurance requirement in the Idaho

Besides the cheap car insurance in Idaho, the government of Idaho is severely strict in case if the driver or the owners have the noninsured vehicle. The strict rule is made by the financial responsibility of law states Idaho:

  • The rule states that every driver who is driving the car on the gem state roads should have the liability insurance of at least 25, 15 or 50 in coverage all the time.
  • The government of Idaho has strict rules from the year 2015 onward for insurance security. It has appointed special officers appointed to check the insurance status of the vehicle through OIVS (online insurance verification system). This law is enforced directly by the highest commission of the state.
  • The body injury and property damage charges are much equal to other states here.
Coverage TypeIdaho Minimum RequirementsStudy Limits
Bodily Liability (per person / accident) $25,000 / $50,000 $50,000 / $100,000
Property Damage (per accident) $15,000 $25,000
Uninsured Motorist (per person / accident) Not Required $50,000 / $100,000
Medical Payments Not Required $1,000
Collision / Comprehensive Not Required $500 deductible

As per the data and research, the Idaho auto insurance is the most reasonable and cheap car insurance as compared to all other neighbor states. Many of the companies provide here the best of the policies and discounts which attract people to take their policy and have a cover for their car.

The maximum average rate of the finest insurance policy given by the leading company is around $1000 which is very. In such low price, the top facilities and many special coverage options are provided to the policyholder. Lowest policy price goes with the simple coverage to around $400.

Laws of the Idaho

The Idaho auto insurance laws make the people follow the insurance rules strictly and maintain the gem state and people safety very carefully:

  • The insurance policy and documents must be updated and been checked by the OIVS system.
  • In case of accidents, the insurance ID card and original documents are checked for the proper update and filings.

Speed Limits in Idaho


Rural Interstates


Cars (MPH) Trucks (MPH)
75; 80 on specified segments 70

Urban Interstates


Cars (MPH) Trucks (MPH)
75; 80 on specified segments 65

Other Limited Access Roads


Cars (MPH) Trucks (MPH)
70 70

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