Idaho Car Insurance

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Auto 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 have peace of mind knowing you’re protected with the AARP® Auto Insurance Program from The Hartford.1 The Hartford has been protecting Idaho AARP members and their families with car insurance since 1984. An insurance company with a reputation for integrity and trust, The Hartford has earned high customer ratings for claims services. You can count on us to be there when you need it most.
 
If you’re looking to get a car insurance quote or just need information about buying car insurance in Idaho, you’ve come to the right place.
 

Car Insurance Benefits Offered to Idaho Drivers

auto insurance idahoIdaho drivers could receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford, including:
 
  • New Car Replacement: If you total your new car, we’ll replace it with a new vehicle of the same make, model and equipment.§§
  • Accident Forgiveness: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.‡
  • Disappearing Deductible: Your collision deductible could be reduced over time in most states as long as everyone on your policy maintains a clean driving record.‡
  • 24/7 Claim Service: Our representatives will make sure the process is easy and stress-free. To file a claim, you’ll need to call The Hartford and report your auto claim at 800-243-5860. You can also report your car insurance claim online by visiting our website.

What Car Insurance Is Required in Idaho?

Depending on where you live, there will be insurance requirements and state minimum coverage amounts. Although these requirements vary by state, Idaho state law requires liability car insurance at the following minimum limits:2
 
  • $25,000 per person per accident for bodily injury liability
  • $50,000 total per accident for bodily injury liability
  • $15,000 per accident for property damage liability

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.™
 

Do You Need Proof of Insurance to Register a Car in Idaho?

You must have proof of insurance to register a car in Idaho. Idaho drivers have 90 days after buying a vehicle to register it and must have proof of insurance to drive in the state.
 

Idaho Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 13.2% of Idaho drivers are uninsured motorists. This is slightly above the national average of 12.6%.3 Idaho state law requires that drivers carry uninsured/underinsured motorist coverage for bodily injury matching the minimum liability insurance limits. This coverage can be waived if the insured refuses it in writing.
 

Additional Car Insurance Coverages Available to Idaho Drivers

For added protection and full coverage, Idaho drivers may also be eligible for the following  car insurance coverages from the AARP Auto Insurance Program from The Hartford:
 

Staying Safe on Idaho Roads

As you travel through Idaho, there are several safe driving laws meant to protect you on Idaho’s highways and byways. Here are just a few:4
 

Idaho Seat Belt Laws

Although law enforcement in Idaho can’t pull you over for not wearing your seat belt, they can still 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 teens, 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 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.
 

How Can I Get a Car Insurance Quote in Idaho?

It’s easy to get a quote for auto insurance in Idaho. Call The Hartford at 888-413-8970 or get a quote online in just a few minutes. Our customer service representatives can help you decide how to get the best car insurance in Idaho for your needs.
 
 
Last Updated: October 5, 2023
 
2 Department of Motor Vehicles, “Be Sure to Insure”
 
3 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
 
4 Governors Highway Safety Association, “States”
Idaho car insurance
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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