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Idaho Insurance Guide
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Insurance in Idaho
Find comprehensive insurance information for Idaho (ID) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Idaho (ID) |
| Region | West |
| Population | ~1.9M residents |
| Health Marketplace | Your Health Idaho |
| Insurance Regulator | Idaho Department of Insurance |
Health Insurance in Idaho
Idaho residents can find health coverage through:
- Your Health Idaho - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Idaho
Idaho has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Idaho
Protect your home with coverage tailored to Idaho’s specific risks and requirements.
Life Insurance in Idaho
Find life insurance options available to Idaho residents to protect your family’s financial future.
How Idaho Compares
Understanding how Idaho stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Idaho | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $972 | $1,935 | -50% (among the lowest) |
| Health Insurance (monthly) | $712 | $477 | +49% (above average) |
| Home Insurance (annual) | $1,134 | $2,377 | -52% (well below average) |
| Uninsured Rate | 10.9% | 9.5% | +15% (below average) |
Key Insights
- Auto insurance in Idaho is significantly cheaper than the national average, ranking #4 lowest in the country.
- Homeowners insurance is among the most affordable in the country at #8.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Idaho Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Your Health Idaho (opens in new tab) - Idaho’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Idaho address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Idaho Department of Insurance
- Phone
- 208-334-4250
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Idaho?
Idaho requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These minimums are among the lower in the Western states.
How do I get health insurance in Idaho?
Idaho has its own state marketplace, Your Health Idaho. Open enrollment runs November through January. Many Idaho residents qualify for premium tax credits. Idaho expanded Medicaid in 2020, providing coverage for more low-income adults.
Does Idaho homeowners insurance cover wildfire damage?
Yes, standard homeowners insurance covers fire damage including wildfires. However, homes in high-risk wildfire areas may face higher premiums or require mitigation measures. Creating defensible space around your home can help with both safety and rates.
Is earthquake insurance available in Idaho?
Yes, earthquake insurance is available as a separate policy or endorsement. Given Idaho’s seismic activity along fault lines, particularly in the southern and eastern regions, earthquake coverage is worth considering.
What is the average cost of car insurance in Idaho?
Idaho drivers pay approximately $900-$1,200 per year for full coverage auto insurance, which is among the lowest in the nation. Rural driving patterns and lower population density contribute to lower rates.
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[idaho] Insurance Types
Compare insurance options available to [idaho] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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