Car Insurance in Idaho Falls

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Picturesque and Affordable Living in Idaho Falls

When you live in Idaho Falls, ID, you're never far from something beautiful. The area is home to Rocky Mountain National Park, the Snake River and many other naturally beautiful attractions. When you're not outside, you can also enjoy a variety of museums, art galleries, restaurants and entertainment options.

More than 64,000 people call Idaho Falls home, and it's easy to see why. In addition to the diverse recreational options, the city provides a variety of job opportunities, has excellent school systems and has a cost of living that is 5.7% lower than the national average.

Getting Around in Idaho Falls

Getting around Idaho Falls is easy to do. The Yellowstone-Idaho Falls Express has daily routes that connect to Yellowstone National Park. However, nearly 77% of residents use their cars to get around, and the average commute time in the city is 17.6 minutes.

If you plan to drive, you must have car insurance in Idaho Falls. The national average car insurance payment is $1,547 per year. People in Idaho Falls pay a bit more than that, with an annual average of $1,632.  

Auto Insurance Required in Idaho

Idaho requires drivers to carry liability and uninsured/underinsured motorist insurance. Liability insurance covers both property damage and bodily injury. You must have a minimum of $15,000 in property liability and $25,000/person ($50,000/accident) in bodily injury liability. The coverage pays for vehicle damages or medical expenses for people in the other vehicle if you are at fault in an accident. 

Uninsured/underinsured motorist coverage is also necessary. This policy provides the coverage you need if someone else causes an accident but lacks insurance to cover your medical expenses or damaged vehicle. 

Other Types of Insurance to Consider

There are several other types of auto insurance to consider if you'd like a more robust policy.

  • Collision Insurance: This provides additional coverage if you're in an accident with another car. It also covers you if you hit a guardrail and may cover hit-and-run or roll-over accidents.
  • Comprehensive Insurance: Comprehensive insurance protects you if your vehicle is damaged due to fire, falling objects or another non-accident event.
  • Medical Payments: This offers additional coverage for you and your passengers if you have medical bills related to an accident, regardless of who is at fault.
  • Personal Injury Protection: This pays for accident-related medical expenses for you and your passengers, even if you were at fault.

How Insurers Determine Risk

The first thing insurers look at is your zip code. You may pay more for insurance if you live or work in an area with high property crime rates. People report property crime in Idaho Falls at a rate of 36.4 compared to the national average of 35.4. This may affect your costs slightly.

They also consider the vehicle you drive. Some makes and models are more likely to be stolen than others and cost more to insure. You may save on your insurance if you have a family-friendly car with updated safety and security features.

Expect to pay more if you have filed accident claims or have moving violations on your record. You'll also pay more if you're a new driver because you're considered more of a risk on the road. Consider your credit history as well. Some providers charge more if you have poor credit.

Drive around town feeling cool, calm and collected with the right car insurance in Idaho Falls. Use VIU by HUB to get quotes, compare features and prices and choose the best option. You can even sync all your policies in one place. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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