Best Motorcycle Insurance in Idaho

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Contributor, Benzinga
August 26, 2020

Protect yourself legally and financially with the best motorcycle insurance in Ohio. Start with our guide to learn more about motorcycle insurance policies, and use our list of recommended providers to find coverage today. 

Idaho Motorcycle Insurance: An Overview

  • State minimum insurance requirements:
    • $25,000 bodily injury liability for 1 person 
    • $50,000 bodily injury liability for 2 or more people
    • $15,000 property damage liability
  • Average annual rate with a clean driving record: $700

Idaho Motorcycle Insurance Law Explained

In Idaho, you must have a valid driver’s license and proof of liability insurance if you want to drive any motorized vehicle on public roads. If you plan to operate a motorcycle in Idaho, you will also need to add a motorcycle endorsement to your Idaho driver’s license. 

You’ll also need to have motorcycle insurance if you want to drive your motorcycle on public roads. Idaho’s minimum insurance requirements include liability insurance, but there are other types of insurance you may also want to purchase to give your motorcycle full coverage

Common insurance types include:

  • Liability insurance is required and covers both bodily injuries and property damage if you are found at-fault in an accident. However, it’s important to understand that liability insurance only covers bodily injury and property damage to third parties. This means that it will not cover injuries to yourself or anyone else riding your motorcycle. It also will not cover damage to your motorcycle.
  • Medical payments, no-fault or personal injury protection coverage is what you’ll need if you want to have insurance coverage for yourself and your passengers. If you and your motorcycle are involved in an accident, this type of insurance coverage will help pay for the costs of treatment for your injuries.
  • Motorcycle collision insurance will cover damages to your motorcycle if it is involved in an accident. The damages for your motorcycle are typically paid out based on the book value of your motorcycle at the time of the accident. 
  • Comprehensive coverage can offer protection for damages to your bike, even if it wasn’t an accident that caused the damages. Damage can also occur from events such as theft, vandalism and fires. If your bike is damaged by any of these situations, comprehensive coverage may be able to help you recoup the cost for the damages.
  • Uninsured/underinsured motorist coverage can protect you if you get into an accident with a driver that does not have liability insurance. It can also help out if the driver doesn’t have enough liability insurance. If the accident was caused by an uninsured or underinsured driver, you can use this coverage to help pay for the cost of treatment for injuries, property damage and even lost wages while you recover.
  • Coverage for customized motorcycle parts is also known as accessories coverage in some cases. This type of insurance coverage can offer protection to your motorcycle if you’ve added custom parts or other accessories. Customized parts can include a paint job, chrome parts that you’ve added on yourself or even a trailer or sidecar. Most collision and comprehensive policies only cover the costs for factory standard parts on a bike, so you may want to consider this if you’ve done any customization after purchasing your bike.  

Idaho Motorcycle Traffic Laws You Should Know

Motorcyclists have to follow many of the same traffic laws as any other driver on the road. However, there are also specific traffic laws for motorcycles that you should also be aware of. Some of the most important traffic laws in Idaho include:

  • If you’re under 18-years-old, you need to wear a helmet anytime you operate your motorcycle. 
  • Motorcycles are not allowed to share lanes on Idaho roads. This means that you cannot ride alongside another vehicle in the same lane, even if you’re passing that car. The only exception to this law is that motorcycles can share the lane with 1 other motorcyclist next to them. 
  • Motorcycles have to adhere to the Red Light Law. Sometimes the vehicle sensor at a traffic light may not recognize your motorcycle. If that happens, the traffic light may not change from red to green. If you find yourself sitting at a traffic light in this situation, you may be able to legally drive through the red light. You can only drive through the red light if you’ve waited for 1 full cycle at the traffic light before doing so. You must also make sure that it is safe to drive through the traffic light before proceeding.
  • If you’re driving with a motorcycle instruction permit, you can only ride your bike during the daylight. You also cannot legally drive on the freeway or with any passengers on your bike.
  • When you do receive your motorcycle license and can have passengers on your bike, your passengers must be seated in a fixed passenger seat or in an attached sidecar.
  • Your motorcycle must have a horn that is loud enough to be heard from 200 feet away.
  • Your bike’s muffler can’t be louder than the original muffler that was installed by your bike’s manufacturer.
  • As the motorcycle operator, you must be able to hold the handlebars at all times. You cannot have an object on your bike that prohibits you from fully holding and controlling the handlebars.
  • You can’t use a mobile electronic device while operating your motorcycle. The only exception to this law is that you can use your phone in an emergency situation to call 911.

Idaho Motorcycle Insurance Rates Per Bike

As with any type of insurance, your motorcycle insurance rate will depend on a number of factors, including:

  • Where you live
  • How old you are
  • Your driving record, including accidents, tickets and fines on your record
  • Where you store your motorcycle
  • The types of insurance coverage you choose
  • The type of bike you are getting insurance for

No matter what, when an insurance company offers you a policy, it’s taking on a certain level of risk. It’s no secret that your driving record can be an indicator of how safe a driver you are and how likely it is that you’ll be involved in an accident. The type of motorcycle you drive can also be a major indicator of these things. 

Insurance companies look at statistics when taking the type of motorcycle you are insuring into consideration. High-performance motorcycles are generally at greater risk of being involved in an accident than most other types of motorcycles, including touring bikes. 

High-performance motorcycles are bikes that have been optimized for acceleration, speed and braking. Most high-performance motorcycles were originally designed as racing bikes and modified by manufacturers for road use. This style of motorcycle is usually much lighter than other styles. It also has a higher horsepower rate. Some examples of a high-performance motorcycle include the Ducati Panigale and Honda CBR models.

Touring motorcycles are ideal bikes for beginners because they were designed as an easy-to-handle bike. These motorcycles are most commonly used for leisure riding and are known for being comfortable to ride and drive. These bikes are also heavier than high-performance bikes. The most common example of a touring model is a Harley-Davidson, but you can find a touring model from most popular motorcycle manufacturers.

When you get a quote for your motorcycle insurance, some of these factors will be taken into consideration. Before you choose your policy, you should also be familiar with common insurance terms, including:

Premium. This is the amount you’ll pay for your insurance policy. When you look at your quote, the premium is the number that will show up as the cost of your policy. If you have more than 1 bike, each will have its own premium.

Deductible. Your policy will also have at least 1 deductible. The deductible is the amount of money you must pay out-of-pocket for a covered claim before the insurance company will pay for the claim.

Motorcycle Insurance Quotes in Idaho

CompanyQuote for a 1-year policyPrice Rating
Harley-Davidson Insurance$1,062.492
State Farm$5984

Motorcycle Insurance Discounts

CompanyDiscounts OfferedOverall Rating
ProgressiveTransfer discount, multiple bike discount, homeowner discount, claims-free discount, anti-lock brake discount, safety course discount, motorcycle driver’s license discount4.3
DairylandMultiple bike discount, loyalty discount, homeowner discount, riding group discount, safety course discount4.7
Harley-Davidson InsuranceMultiple bike discount, loyalty discount, homeowner discount, riding group discount, rider experience discount, anti-theft discount, safety course discount, motorcycle driver’s license discount3.7
AllstateTransfer discount, multiple bike discount, homeowner discount, riding group discount, claims-free discount, rider experience discount, anti-lock brake discount, safety course discount5.0
State FarmMultiple bike discount, homeowner discount, claims-free discount, anti-theft discount, safety course discount4.7

Best Motorcycle Insurance Providers in Idaho

To find the best motorcycle insurance, you should start by getting an insurance quote. You can use your quote to compare insurance providers and choose the right option for your situation. Here are some of the best motorcycle insurance companies in Idaho that you may want to consider.

Find Your Policy Today

The right insurance policy will depend on your personal factors and the types of coverage you choose. Get a few quotes and see which policy meets your needs and your budget before you make a decision. Start with our list of recommended providers to find the right coverage today.

Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.

About Ashley Hart

Ashley Hart is a personal finance writer passionate about helping people feel empowered to take control of their finances. She has more than eight years of writing experience, focused on insurance.