If you’re a vehicle owner in Idaho, there’s a good chance you’re wondering if auto insurance is required in Post Falls, ID. The simple answer is yes. Here’s everything you need to know about car insurance in the Gem State.
Personal Vehicle Insurance is the Law
Most states require some level of coverage for drivers, and Idaho is no different. The state has some of the most stringent requirements in the nation. All drivers in Idaho must maintain a minimum level of coverage to operate a vehicle legally on public roads.
The required minimums are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- Uninsured/Underinsured Motorist Coverage is Optional
While the minimum coverage requirements are necessary to drive in Idaho, they may not be enough to protect you and your loved ones in a severe accident. An Infinity Insurance Group agent can help you determine the right coverage amount to avoid fines and penalties in Post Falls, ID.
Other Coverage Options
That’s why Idaho also offers uninsured/underinsured motorist coverage. This coverage will help protect you if the other driver is at fault and doesn’t have insurance or if their policy doesn’t cover the full cost of your damages.
Besides the state requirements, you may also want to consider other types of coverage to help protect your vehicle. Some of the most common options include:
Collision Coverage: This type of coverage will help pay to repair your vehicle if it’s damaged in an accident, regardless of who is at fault.
Comprehensive Coverage: This coverage will help pay to repair or replace your vehicle if it’s damaged by something other than a collision, such as a fire, theft, or vandalism.
Contact Infinity Insurance Group in Post Falls, ID today to learn more about your policy options. We’ll help you find the right coverage to fit your needs and budget.