Idaho Car Insurance

car insurance Idaho
Get a Quote
Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
 
Get a Quote
Save with the AARP Auto & Home Insurance Program from The Hartford.
 
Get a Quote
Discover savings with the AARP Homeowners Insurance Program from The Hartford.
 

Auto Insurance for Idaho Drivers

auto insurance idaho 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. We’re an insurance company with a reputation for integrity and trust, and we’ve 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

car insurance id Idaho 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: If you have an accident, we won’t raise your rates due to the accident as long as all drivers on your AARP Idaho car insurance policy have a clean driving record for five years in a row.
  • Disappearing Deductible: Your collision deductible could be reduced over time in most states as long as everyone on your policy maintains clean driving records.
  • 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?

We make it easy to get a quote for auto insurance in Idaho. Call us 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.
 
 
2 Department of Motor Vehicles, “Be Sure to Insure”
 
3 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
 
4 Governors Highway Safety Association, “States”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
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 Automobile 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 by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners 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 by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, 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 Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some 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 GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.