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Idaho Car Insurance

Amica is your partner on the road, through Idaho’s beautiful mountainous landscapes or the cities and towns of Canyon County. From your daily commute to work and school runs with the kids, to handling errands around town, Amica offers the peace of mind you need while you’re behind the wheel.

Amica offers customized Idaho car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Understanding Idaho's auto insurance minimums

In Idaho, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability:
    • $15,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident where you’re at fault. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to certain limitations and exclusions. 

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions. 

In addition to the minimum liability coverage requirements, Idaho mandates coverage for uninsured motorist bodily injury coverage, with the following minimum limit:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured or doesn’t have enough coverage to pay for your medical bills and other expenses.  

It’s important to understand that these are just the minimum requirements, and Idaho drivers may choose higher coverage limits for added protection.

Additional coverage considerations in Idaho

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collison coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses. 
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
  • Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors. 
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

What affects your Idaho auto insurance rates

There are several factors that impact auto insurance in Idaho, including individual circumstances, geographical location, weather patterns and more. Here are key points to consider:

  • Driving history: Your individual driving record plays a substantial role in determining your Idaho auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations. 
  • Vehicle type: Your car's make and model, safety ratings, repair costs and likelihood of theft can influence Idaho car insurance rates.
  • Claims in your state: Auto insurance rates may be affected by the claims filed in Idaho. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Idaho. 
  • Weather patterns: Weather-related incidents impact Idaho car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Idaho insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems. 
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Idaho policy premium up front.

If you're an Idaho driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount.

Facts and figures about Idaho

Fun facts about Idaho:

  • Idaho is home to the Idaho Potato Museum, where you can explore the history and significance of the potato in the state.2  
  • In Riggins, you can transition from the Mountain time zone to the Pacific time zone by crossing the Time Zone Bridge.2
  • Idaho produces about 41 million pounds of trout each year, making the state the top producer in the U.S.3

Facts about driving in Idaho:

  • In Idaho, teens can enter a driving training program at age 14½ and receive a restricted driver’s license at the age of 15.4
  • If you’re driving in Idaho, it’s the law to dim your high beams if there’s another vehicle within 500 feet of you.4
  • Drivers in Idaho can call 511 for up-to-date information on traffic, road closures and road conditions.4

How to get car insurance in Idaho

We’re here to guide you through the process of personalizing your car insurance in Idaho. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Idaho drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Idaho drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary. 
2 55 Fun Facts About Idaho
3 University of Idaho, Aquaculture
4 Idaho Driver’s Handbook
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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