Idaho motorcycle insurance
The scenic highways of Idaho have made The Gem State a favorite of motorcycle enthusiasts in search of the open road. Progressive takes pride in helping Idaho bikers attain personalized and affordable motorcycle insurance with customized coverages and a variety of discounts. Learn all of the motorcycle insurance requirements in Idaho and how you can save on a motorcycle policy.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
What are the minimum requirements for motorcycle insurance in Idaho?
Idaho motorcycle insurance laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets. Liability coverage won’t cover damage to your own bike but may pay for injuries and damage you cause to others while riding, up to your policy's limits.
| Required coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamages you cause to others in an accident | Minimum amount$15,000 per accident |
Idaho also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower this coverage by submitting a signed form if you choose not to carry it.
Do you need comprehensive and collision coverage?
Unless you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are both optional. But we know many motorcycle owners are always investing in big upgrades to their bike and may want to protect that investment from physical damage. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft , vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.
How much is motorcycle insurance in Idaho?
In 2023, the annual cost for a Progressive motorcycle insurance policy in Idaho with liability coverage only was $161.* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.
Pro tip:
Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.
What's the best motorcycle insurance in Idaho?
One in three insured motorcycle riders choose Progressive.** Whether you ride in Boise, Meridian, Nampa , or anywhere in between, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Idaho without sacrificing the protection and peace of mind you need while riding.
You can decrease the cost of motorcycle insurance in Idaho with motorcycle insurance discounts, such as:
Multi-policy discount
Anti-lock brakes discount
Motorcycle license/endorsement discount
Prompt payment discount
Association discount
Find out more ways to lower the cost of motorcycle insurance.
Additional motorcycle insurance coverages available in Idaho
For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:
Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop
Learn more about motorcycle insurance coverages.
Quick facts for riding in Idaho
Motorcycle operators or riders under the age of 18 are required to wear a helmet while riding in Idaho.
According to the Idaho Motorcycle Rider's Handbook, Idaho motorcycle requirements state that riders must have a valid driver's license and a motorcycle endorsement.
Passengers of any age are legal to ride in Idaho if the passenger is in a permanently attached seat with footrests.
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