Idaho Auto Insurance Requirements – What Are They?
Reader’s Question:
Can I have my car registered Idaho and insure that vehicle in California? What are the Idaho auto insurance requirements?
Harold
Boise, ID
According to the ID Department of Motor Vehicles (DMV) to register a car in Idaho the vehicle must belong to an Idaho resident or business and the car must be titled in Idaho before it can be registered. Idaho residents who are temporarily in a different state (i.e., students or military personnel) may request titles and registrations for their cars through the mail.
If the state of Idaho does not require you to have your car insurance purchased through an Idaho Insurance company then it may be possible to insure the car in California if you are currently residing in California as a non-resident that does not need to register the vehicle there. For example if your permanent address is in Idaho but you are a college student in California your Idaho insurance company may not cover you to be in CA since the car is garaged in CA a majority of the year. You then may be able to acquire California insurance but you will likely need to get limits of 25/50/15 to meet Idaho’s minimum requirements since your car is registered in that state.
So if you want to have your vehicle registered in Idaho and insured in CA you will need check with the ID Department of Motor Vehicle first to make certain it is okay then look for an insurance carrier that would provide you this type of car insurance policy.
