The laws of Idaho are very specific on what is required of its drivers. Liability insurance is a requirement for all drivers, and those who choose to not obey the law can face fines and other penalties. Not only is it important for drivers to understand Idaho car insurance laws, but it is also beneficial to learn about the driver statistics in the state and the safety risks that they may face. It is vital for drivers to know this information so that they can make wise decisions when it comes to their insurance needs. Waiting until the time of an accident or auto theft is not the time to find out that one is not insured properly.

Driving Statistics in Idaho

Auto Accidents

Auto accidents have been on a steady decline over the last few years in the state of Idaho. In 2006, there were 24,225 auto accidents with 267 fatalities. In 2010, this number fell to 22,555 with 209 fatalities. Property damage also fell by 3.4%. Officials state that the leading cause of death in the State of Idaho was from drivers and passengers not wearing seatbelts.

Seatbelt Usage

Seatbelt use has slowly been declining in the state of Idaho. In 2009, 79% of drivers wore their seatbelts. In 2010, the rates fell to around 77%. More recent studies show these numbers continuing in a slow decline. The fines for not wearing a seatbelt in Idaho are $10 for passengers over the age of 18. If the driver is under 18, they will be charged the $10 plus court costs which are $51.50. Officialls passed this law for those under 18 a couple of years ago when teen deaths had increased dramatically in auto accidents due to not wearing seatbelts.

Auto Theft

Auto theft in the state of Idaho has been steadily decreasing over the last ten years. In 2002, there were 2,627 auto thefts, and in 2010 these numbers had dropped to 1,322. Officials state that the top three cars that are stolen in the state are stolen due to a lack of safety features that these models did not have. Patrol officers in the state reccommend owners adding anti-theft devices to increase the safety of their vehicles.

Top Three Stolen Cars in Idaho

1. The Dodge Ram

2. Full-Size Chevrolet Pickup

3. Honda Civic

Road Conditions

Another factor to consider when seeking insurance is the condition of Idaho's roads, which is generally good. The more urban areas of the state see more traffic. In the winter, road conditions can be dangerous, as Idaho sees quite a lot of snowfall each year, and this is important to keep in mind. Flood waters can often cause flooding on roads and streets in the spring due to melting snow. Drivers must use caution when driving during these two seasons.

Understanding the Insurance Laws

The state of Idaho requires all of its drivers to be covered with a minimum amount of liability insurance. Drivers are required to carry $25,000 for one bodily injury or death, and $50,000 for two injuries or deaths, and $15,000 in property damage coverage. Drivers are required to sign a statement when they register their vehicle that states that they have this minimum amount of liability coverage. If a driver is caught without auto insurance, the first fine that they will face is $75. After subsequent fines, this can rise up to $1,000. The driver can also face up to six months in jail. Not only will the fines be due, but the driver will also have to provide new proof of insurance and fill out a SR-22 certificate that stays on their record for a period of one year. With so many affordable options available for insurance, there is no need for drivers to go without coverage.

Shopping for Car Insurance

Idaho is the fourth least expensive car insurance state in the nation. In 2010, Idaho drivers paid an average of $110 a month in premiums, while the national average was $146. These rates would be higher if a driver is inexperienced or has points against their license. Drivers are considered inexperienced until they have been driving for a period of at least five years. After that time, the rates go down. Drivers can help prevent higher premiums by avoiding tickets and auto accidents. Avoiding higher premiums will allow drivers to shop for Idaho cheap auto insurance deals.

There are a number of Idaho auto insurance carriers. With the available choices, it is easy for drivers to find the best rates for their insurance needs. It is important that drivers shop around and compare prices so that they can get the best deals on Idaho cheap car insurance. A good insurance agent can help drivers with their insurance needs and help them find the best rates on premiums. The local insurance offices in Idaho are equipped with all of the law requirements and can help drivers to meet the state minimums and get further coverage should they need it.

These insurance companies operate in Idaho:

Allstate

Farmers

State Farm

Progressive

Geico

Safeco

Most of these insurance companies offer free Idaho car insurance quotes. This a great way to shop for insurance and get information on the best Idaho auto insurance quotes There are also many more local insurance offices in the state of Idaho as well. These insurance companies can help drivers save money on their premiums. It is important to check with the Better Business Bureau and other agencies that give insurance grades to companies to make sure that one is dealing with the best company. This allows drivers to understand the Idaho auto insurance ratings so that they are making an informed choice.

This information should give drivers in Idaho a good deal of information regarding the insurance laws and regulations and how they can avoid penalties. Knowing these laws and having ample coverage is key to reducing the risks of accidents and auto theft. Visiting the Idaho Department of Insurance website can give drivers a wealth of information on all of the insurance laws. Drivers should review the information on insurance laws annually to be sure that no new changes have gone into effect.

http://www.doi.idaho.gov/