Car Insurance for Idaho Drivers
From the hot springs of the south to the mountains of the north, the state of Idaho is truly a gem. Whether you’re traveling along the Lewis & Clark Highway, heading for a hike in the mountains or going trout fishing in the Snake River, experienced Idaho drivers like you can rest assured that you’ll be protected with the AARP® Auto Insurance Program from The Hartford.1 The Hartford has been protecting Idaho AARP members and their families since 1984, and have earned a reputation for integrity and trust, as well as high customer ratings for claims services. You can count on The Hartford to be there when you need us most.
Car Insurance Benefits Offered to Idaho Drivers
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12-month Rate Protection
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New Car Replacement§§
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Accident Forgiveness‡
- Desaparición progresiva del deducible‡
- Servicio de reclamaciones 24/7
Required Car Insurance Coverages in Idaho
Idaho state law requires liability car insurance at the following minimum limits:2
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$25,000 for bodily injury, per person per accident.
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$50,000 for bodily injury, total per accident.
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$15,000 for property damage per accident.
Proof of Car Insurance for Idaho Drivers
If you’re a licensed driver in the state of Idaho, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Idaho is also among several states that now accept electronic proof of car insurance, and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Idaho Uninsured Driver Facts
According to a 2015 Insurance Research Council report, 8.2 percent of Idaho drivers are uninsured. This is well below the national average of 13.0%.3
Idaho state law requires that drivers carry uninsured/underinsured motorist coverage for bodily injury matching the minimum liability limits. This coverage can be waived if the insured refuses it in writing. There is no requirement for property damage coverage under uninsured/underinsured motorist.
Additional Car Insurance Coverages Available to Idaho Drivers
Staying Safe on Idaho Roads
As you travel through Idaho, there are a number of safe driving laws meant to protect you on Idaho’s highways and byways. Here are just a few:4
Idaho Seat Belt Laws:
Although the state of Idaho does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.
Idaho Distracted Driving Laws:
Texting while driving is banned for all drivers in the State of Idaho.
Idaho Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and Idaho wants to be sure they stay safe in the process! Idaho has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
