Idaho Auto Insurance

Driving in the Gem State

Idaho is the nation’s largest producer of potatoes and a treasure trove of precious stones. It’s is also the birthplace of Sacajawea, the Shoshone woman who traveled with Lewis and Clark on their expedition to the Northwest. From miles of breathtaking byways to skiing, fishing and gem hunting, Idaho has road trip destinations for just about everyone. If you’re cruising along Interstate 84 to your favorite steelhead spot on the Snake River or just doing errands around Coeur d’Alene, all motor vehicles registered in the state need to be covered by liability insurance.

Talk to your local Safeco insurance agent about coverage that is right for you and to get your Idaho auto insurance quote today.

Idaho Car Insurance Laws

Idaho Auto Insurance

Car Insurance in Idaho

Is car insurance required in Idaho? Yes.
All registered motor vehicles in Idaho must:

  • Be covered by at least the minimum liability levels

All Idaho drivers must:

  • Be able to show proof of insurance

To learn more about Idaho car insurance rates, get your Idaho car insurance quote today.

Idaho Auto Insurance Requirements

What is the minimum car insurance coverage in Idaho?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Idaho Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Financial Responsibility in Idaho

What is proof of financial responsibility?

It’s evidence that you have the have the ability to pay for potential damages caused by your car.

Is Proof of Financial Responsibility Required in Idaho?

Yes. The most common and easiest way to meet Idaho financial responsibility requirements is to buy Idaho auto liability insurance.

Proof of Insurance in Idaho

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Idaho drivers must be able to present an insurance ID card if asked to do so by a law enforcement officer.

Is proof of insurance required in Idaho?
Yes. Proof of insurance in Idaho is required:

  • Prior to vehicle registration
  • For traffic stops

Proof of insurance in Idaho can include:

  • A printed insurance ID card issued by your insurance company
  • A digital insurance ID card viewable on your smartphone or hand-held device

Is electronic proof of insurance accepted in Idaho?
Yes. Electronic proof of insurance in Idaho is accepted for:

  • Traffic stops

What is electronic proof of insurance?

Electronic proof of insurance allows Idaho drivers to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

Texting While Driving in Idaho

Everyone is prohibited from texting while driving in the state of Idaho.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in Idaho may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive and medical payments to your policy.

All car insurance companies in Idaho offer policies to cover Idaho auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an Idaho car insurance quote.

Idaho Auto Insurance Coverage Choices

Safeco Essential

With standard coverage that meets Idaho minimum car insurance coverage requirements, Safeco Essential offers Idaho drivers an affordable blend of auto insurance coverage and value.

Safeco Enhanced

Offering more than standard coverage, Safeco Enhanced gives Idaho drivers the option to add more car insurance coverage options at a competitive price.

Safeco Superior

With numerous built-in car insurance coverages like accident forgiveness, diminishing deductible, new car replacement and electronic lock and key replacement, Safeco Superior offers exceptional Idaho car insurance coverage with higher limits on some features.

Safeco Ultra

Our premium level of coverage and value, Safeco Ultra auto insurance adds more features and coverages beyond those of Safeco Superior such as Roadside Assistance and loan and lease coverage. Safeco Ultra features our highest limits on Idaho car insurance coverage features.

Idaho Auto Insurance Coverage Options

Safeco Optimum Package Plus™

Get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus, increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Idaho Auto Insurance Discounts

There are numerous ways to save and lower your Idaho car insurance rate. In addition to our popular car insurance discounts Idaho drivers can also save with these state specific discounts.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Idaho auto insurance quote today and start saving tomorrow.

More Than One Policy

Qualify for a multiple policy discount when you also have an active home, condominium or renters policy with Safeco.

Keep a Clean Driving Record

Idaho drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Young Drivers in Idaho

Getting Your First Driver’s License

Minimum age to get a driver’s license in Idaho: 15

  • Drivers under the age of 17 must complete the Idaho graduated driver’s license program.

Road Trips and Scenic Drives in Idaho

Northwest Passage Scenic Byway

Follow the route Lewis and Clark took on their historic expedition when you travel on U.S. Route 12 through north-central Idaho.

Sacajawea Historic Byway

Visit the homeland of Sacajawea as you follow state Highway 28 for over 100 miles through the Lemhi Valley and along the Continental Divide.

Things to Do in Idaho

Visit Craters of the Moon National Monument

See the bizarre lava-formed landscape in south-central Idaho featuring volcanic formations that include cinder cones, spatter cones, tree molds and lava tubes.

Ski and Snowboard

Home to Sun Valley and over a dozen other ski resorts, Idaho is one of the nation’s premier downhill skiing and snowboarding destinations.

Fun Facts About Idaho

State nickname: Gem State
Residents are called: Idahoans
National park: Yellowstone
National monuments: Craters of the Moon, Hagerman Fossil Beds
State vegetable: Potato
Nation’s largest producer of: Potatoes
Favorite french fries condiment Fry sauce — made from a mixture of mayonnaise and ketchup
Number of gemstones found in Idaho: 72
Tallest mountain in Idaho: Borah Peak
Famous Native American born in Idaho: Sacagawea
Translation of Coeur d'Alene: Heart of the awl
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506