Idaho does have a financial responsibility law that requires drivers to have insurance, but the coverage amounts are very minimal. You are only required to carry $25,000 injury coverage per person, $50,000 injury coverage per accident, and $15,000 property damage coverage by law. However, you should always consider purchasing more coverage than the state minimum. After all, what if you cause an accident that has over $100,000 in damages? Unless you've got an offshore account or some really good connections, you'll never be able to pay the costs out of pocket.

You aren't required to show proof of insurance when you register your vehicle; you are simply required to sign a waiver stating that you have insurance. This allows many people to get away with not having insurance at all, but can be very risky. Getting caught without insurance can lead to fines, jail time, and license suspension and/or revocation.

Your auto insurance rates are determined mostly by your driving record, credit rating, and the type of car you drive. Other factors can be an influence as well, but aren't nearly as important. These other factors can include:

•     garaging address
•     age
•     gender
•     marital status
•     amount of coverage desired

With these things in mind, you should have no trouble finding the perfect auto insurance in Idaho to meet your needs.