Idaho is the 14th largest state in the United States and the 39th most populous with a population of 1,584,985 (2011). Idaho has over 82,000 square miles of land, creating all sorts of natural habitats for the many types of wildlife that inhibits the state. Idaho is beautiful, with a wide variety of outdoor adventures to explore. The Rocky Mountains are the main mountain range in the state. The mountainous terrain of Idaho makes traveling very scenic, but a little dangerous at times. Auto insurance for residents is a must as they carry on with their day-to-day lives.
Auto theft is infrequent in Idaho, with Idaho ranking as the eighth lowest state for vehicle theft.
Idaho has many National Forests and landmarks. The Bitterroot National Forest covers 1.6 million acres from Montana to Idaho. The beauty from this area comes from the glaciers that helped create the Continental divide, and provides a wonderful area for residents and visitors to experience while enjoying the natural outdoors. Historic trails that have historical backgrounds from the days of the Oregon Trail create a fun outdoor adventure for families to participate in to feel like they were a part of the adventure. The wildlife of Idaho includes all sorts of birds, grizzly bears, wolves, lizards and amphibians, elk, big horn sheep, bobcats, mountain lions, and many more.
Key Statistics According to the Insurance Information Institute and the National Highway Safety Administration:
Nationwide: 12.6% (2012)
Idaho: 6.7% ((2012)
Insurance Coverage Requirements:
Bodily Injury Liability
Property Damage Liability
In most instances motorists are required to carry a minimum of $50,000 for all persons injured in an accident, with a maximum of $25,000 per person. They are also required to carry $15,000 for property damage. If you’ve had a major medical experience lately, or know someone who has spent several days in a hospital you probably realize how low these limits are compared to the reality of hospital care costs. A more common limit for Idaho drivers is $100,000 per person, $300,000 per accident bodily injury and $100,000 per accident property damage. Many consider an umbrella with an additional $1,000,000 in limits available. Considering the chain reaction accidents that occur on Idaho roads it would seem prudent to have higher limits of auto insurance protection.
Average Car Insurance Premium
The Insurance Institute uses an “average person” to establish an average rate for an average car. This figure is only good for comparison as so many factors go into establishing an auto rate.
National Average Cost Per Year: $841 (2013)
Idaho Cost Per Year: $554 (2013)
Fatalities: 186 (2014)
Alcohol Impaired Driver Fatalities: 53 (2014)
Fatalities per 100 million miles driven (ID): 1.34 (2013)
Fatalities per 100 million miles driven (Nationwide): 1.09 (2013)
With so much time spent outdoor enjoying all that Idaho has to offer, residents spend a lot of time traveling to get to all the attractions. With the mountainous terrain and wildlife that can be unpredictable, especially around the roadways, it is important to have your vehicles insured. Contact a local independent auto insurance agent of Idaho today to find the rights policies for you.
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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.