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Driving without insurance in Idaho

Drivers hitting the road without insurance in Idaho might be shocked. The state imposes fines and penalties on drivers caught violating Idaho insurance laws. Additionally, Idaho uses technology to ensure drivers are properly insured. The Insurance Online Verification System (OIVS), as it’s called, could make it easier for the state to catch and penalize uninsured drivers.

Minimum Insurance Required in Idaho

Idaho state law requires all drivers to have at least one insurance policy with liability limits of 25/50/15. This means that all drivers must have at least the following types and limits of coverage to drive legally:

  • Civil liability of $25,000 in bodily injury per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

The state also requires insurance companies to provide you with uninsured and underinsured motorist coverage, but you have the option to decline these types of coverage in writing. Although drivers may choose to post certain types of bonds to satisfy the state’s “Financial Responsibility Act”, getting auto insurance is probably the easiest way to prove you can pay for any damages you might. cause in an accident.

Penalties for driving without insurance in Idaho

Idaho imposes numerous fines, even for first-time offenders caught driving without insurance. The consequences may worsen with subsequent convictions. Your first offense could result in a $75 fine, as well as a possible license suspension that would require additional fees to be reinstated. You can also have your vehicle registration suspended and have to appear in court.

The penalties for your second and subsequent offenses will likely be more severe. You may have to pay a fine of up to $1,000 and risk up to six months in jail. You could also face the same license and registration suspensions you experienced on your first offence. The first time you are caught driving without insurance is considered a basic traffic violation. Future convictions are misdemeanors.

Idaho Online Insurance Verification System Fees

All drivers are required to submit their insurance information either to a local Department of Motor Vehicles (DMV) or online to the Idaho Department of Transportation. Each driver’s insurance policy is electronically verified with insurers and the information is stored in a database that is updated every 30 days. Drivers who remain uninsured for 60 days will receive a warning and have 30 days to provide proof of coverage. If they do not, their registration will be suspended.

Once a vehicle’s registration has been suspended, drivers must provide proof of coverage before it can be reinstated.

Having an accident without insurance

If you have an uninsured accident, regardless of who is at fault, you will likely receive an uninsured driving ticket. Your license and vehicle registration could be suspended and you may have to pay numerous fees.

If you are responsible for an accident, your situation is even more serious. If you cause an accident without insurance, you will be responsible for paying for property damage and injuries out of pocket. If you can’t pay, you could be sued.

Frequently Asked Questions

What if you provide false insurance information?

Driving without insurance is illegal, and providing false insurance information can make matters even more complicated. Lying about your insurance information is considered fraud. In addition to all the fines and penalties discussed for driving without insurance, you could be charged with insurance fraud. This could lead to more fines, license suspensions and even jail time.

How much does car insurance cost in Idaho?

The average cost for full-coverage auto insurance in Idaho is $1,045 per year. In the United States as a whole, comprehensive coverage costs an average of $1,674 per year, so drivers in Idaho pay significantly less, on average. However, if you’ve been caught driving without insurance, you’ll likely pay more for coverage when you buy it. Plus, you’ll likely need to show proof of coverage to pick up your license, so you might not have as much time to shop around as you otherwise would.

Which companies are the best suppliers in Idaho?

According to our research, Auto-Owners, Geico, and Nationwide are some of the best car insurance companies in Idaho. In our analysis, we focused on average premium, coverage options, discounts, policy features and third-party reviews. However, the best auto insurance company for you will depend on your individual needs and desires. Understanding what you’re looking for in a company and getting quotes from a few vendors could help you find the best option for your situation.