Idaho Car Insurance Calculator

Idaho Car Insurance Calculator

The Idaho Car Insurance Calculator is an excellent way to get an estimate for how much car insurance costs in Idaho. It takes into account different coverage options available as well as factors like age and gender.

Minimum Liability Coverage

Every driver in Idaho is required to carry liability car insurance. This coverage pays for damage done to other people’s people and property when you are at fault for an accident. The minimum limits in Idaho are $25,000 per person and $50,000 per accident.

Optional comprehensive and collision coverage are also available, covering damage caused by theft, weather events, fire or other causes. However, these extra services come at a cost so it’s important to weigh their benefits carefully before deciding whether or not to purchase them.

Collision and Comprehensive Coverage

Selecting the appropriate type of coverage is essential when searching for cheap auto insurance. In some states, personal injury protection may be mandatory which helps cover medical bills after an accident.

Insurance companies often give discounts to drivers with no tickets or citations on their driving records, so staying safe behind the wheel can save even more money for you. Other discounts may apply to those with good credit and those who complete defensive driving courses.

The Insurance Institute for Highway Safety strongly encourages drivers to keep their driving record clean. Doing so could significantly lower your auto insurance rate.

If your driving record is spotty or you have recently received a citation, your car insurance rates could go up significantly. This is because insurers anticipate that you are more likely to file a claim than other drivers.

Another factor that could cause your Idaho car insurance rates to increase is having a poor credit score. Your lender may charge more for loans with poor credit ratings.

Other elements that could impact your car insurance rates in Idaho include age and the model of vehicle you drive. Furthermore, you have the option to shop around for a cheaper provider.

The Insurance Information Institute offers a free auto insurance comparison tool to allow consumers to quickly and easily compare prices and ratings from top providers. This makes shopping for an insurance policy both simple and convenient.

State Minimums and Optional Coverages

Idaho requires you to carry only $25,000 in bodily injury liability per person, $50,000 per accident, as well as $15,000 for property damage liability. These amounts do not even begin to cover medical bills that exceed $5,000.

These minimum coverage requirements in Idaho are among the lowest in the US, but if you need additional protection you can purchase additional policies from various insurance companies. Furthermore, adding medical payments and uninsured/underinsured motorist coverage to your policy provides even greater peace of mind.

Optional coverages are beneficial for drivers of newer or more expensive cars, and can save you money in the long run if your deductible is high. By adding these extra coverages, it may reduce your overall insurance costs in Idaho.