Idaho High Risk Auto Insurance
The state of Idaho has minimum automotive insurance requirements. There are 114 insurance companies licensed in the state of Idaho to provide at least this minimum coverage. Among the insurance companies that offer high risk auto insurance include Farmers, Geico, State Farm, and others.
Idaho uses a tort system for dealing with fault at auto accidents. This means that someone will be found at fault and held responsible for the other driver's medical or property damage expenses. It also means that Idaho requires a specific minimum coverage for property bodily injury and property damage. These minimums are bodily injury $25000 per person/$50000 per accident and $15000 property damage. There is also an optional coverage for uninsured/underinsured drivers that is highly recommended.
In the state of Idaho, you are not required to show proof of insurance at the time of car registration. You are, however, required to sign a form that makes you financially responsible in the event of an accident. If you are caught driving on Idaho roadways without the minimum coverage, you will be required to post a sum equal to the minimum coverage in an account as proof of financial responsibility for one year. A second offense requires proof of financial responsibility for three years.
Even those drivers who are considered high risk, will most likely find it cheaper to carry the minimum coverage and pay high risk auto insurance rates than to be caught without the required minimum coverage.