Idaho Motorcycle Insurance Coverage

Idaho motorcycle owners are required to buy the same level of mandatory liability insurance coverage as customers who are driving vehicles with four wheels. They must have at least $25,000 in coverage to pay for the injuries sustained by a single person injured in an accident and $50,000 for all injuries that stem from an accident, no matter how many people were hurt. Bodily injury liability insurance coverage also pays for funeral expenses, if the accident resulted in one or more fatalities.

Along with the bodily injury liability coverage, a motorcycle owner in Idaho must also buy at least $15,000 in property damage liability insurance. This part of the policy pays for damage caused to another person’s vehicle, as well as property like fences, sign posts, and mailboxes.

Motorcycle drivers who want to get the best rates for their insurance coverage should shop around for coverage. Insurance companies consider a number of factors when determining risk for individual drivers, and rates can vary greatly between providers.

One way to be considered a lower risk and get a discount or better rates for Idaho motorcycle insurance is to complete the STAR (Skills Training Advantage for Riders) program. STAR is designed for new riders, as well as experienced ones who would like to upgrade their skills. All new motorcycle riders under the age of 21 are required to successfully complete a course like STAR.