The General® is pleased to offer insurance in Idaho. From the emerald green hillsides to the timbered mountains and pristine rivers, The General® has you covered. The General® offers low cost auto insurance in the Gem State even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our Idaho customers.

Idaho Mandatory Coverages

Idaho drivers must have liability insurance to help cover another driver’s expenses resulting from an accident for which you are at fault. In addition, all Idaho auto insurance policies must offer uninsured/underinsured motorist coverage, but it can be declined in writing. The coverage minimums are:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $15,000 per accident
Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident
Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident

Frequently Asked Questions Regarding Idaho Auto Insurance

What is Uninsured/Underinsured Motorist cover?

Coverage which protects you and the people in your car in the event another driver hits you with inadequate Idaho insurance coverage or no auto insurance at all.

What is an SR-22?

SR22 is a document often required by a state’s Department of Transportation (DOT) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR-22 certificates are often required for drivers who have been found driving without insurance or without proof of insurance

What if you are currently driving without coverage?

If you break the law by driving without insurance or by not carrying proof of insurance, you are subject to one or more of the following penalties:

  • First offense carries a fine of $75
  • Second and subsequent offenses carry fines up to $1,000 and 6 months in jail
  • A requirement to provide proof of financial responsibility

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Idaho Department of Insurance
Idaho Department of Transportation
Idaho State Police
The Official Website of the State of Idaho