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Looking for cheap insurance in Idaho? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Idaho. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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Idaho Insurance Laws and Regulations

The Idaho Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from an insurer, you can file a complaint directly with the Department of Insurance. Idaho publishes information on the complaints filed against insurance companies for consumers to consider when shopping for insurance. The state of Idaho no longer provides a summary of insurance complaint information for consumers to use when buying insurance. 

Important Laws

A summary of the driving safety laws for the state of Idaho can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Idaho.

The Idaho Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Idaho has minimum auto insurance amounts that are required by law. The table below shows the ID minimum car insurance limits.

Minimum Car Insurance Coverage Required in Idaho

Minimum Coverage
Bodily Injury, per person 25,000
Bodily Injury, per accident 50,000
Property Damage 15,000

Resources Available to Consumers

The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.