Auto Coverage in Idaho
Idaho Auto Insurance
Drivers in Idaho state need to carry insurance on them at all times, since driving without insurance could lead to heavy fines if they are pulled over by a traffic officer.
Minimum Idaho auto insurance
Drivers in Idaho are required to buy insurance for both the vehicle and the driver who operates the vehicle, in the following minimum amounts:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $15,000
The costs for auto insurance in Idaho are very affordable, being the fourth least expensive state in the U.S. according to the Insurance Information Institute.
Penalties without Idaho auto insurance
Driving without insurance can be costly ; the fine for a first-time infraction is $75 . If you're caught a second time without insurance, then the fine could be increased up to $1,000 . The penalty could have more dire consequences also, including six months of jail time. The Idaho statutes spelling out these regulations are 49-1232 and 49-1428.
If you're caught without insurance, you'll also have to buy insurance and file additional paperwork with the state government to prove that you are covered. This is called an SR-22 certificate, and it must be kept on file for one year for the first offense and three years for other offenses.
Another consideration for purchasing insurance in the state of Idaho is its tort system, meaning that in case of an accident, one of the drivers must be found at fault, and that person's insurance will be responsible for paying for all of the costs for repairs, medical bills, and so on.
Having enough insurance coverage is essential for making sure that you don't end up going broke after an accident – or you don't suffer other penalties. If you can't pay the damages and your insurance isn't enough to cover the amounts, then your driving privileges can be suspended or revoked. There are no special permits available in Idaho to allow you to drive for work or essential reasons if your license is suspended.