Idaho’s abundant natural beauty, stunning terrain, and storied past make it an excellent destination for motorcyclists seeking a thrilling & immersive riding experience.
Prior to embarking on any motorcycle ride through Idaho’s majestic landscapes – it is imperative that you adhere to the state’s safety regulations and motorcycle insurance requirements.
Not only is it a legal obligation, but having sufficient motorcycle insurance serves as a safety net in the unfortunate event of accidents – safeguarding you and others against property damage and injuries.
Idaho Motorcycle Insurance Requirements
To properly meet Idaho’s motorcycle insurance requirements, your policy must include the following “25/50/15” coverage limits:
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $15,000 property damage liability
Insurance companies in Idaho are required to provide Uninsured Motorist Bodily Injury coverage AND Underinsured Motorist Bodily Injury coverage – unless a named insurance has rejected the coverages in writing.
Coverage limits for UM/UIM Bodily Injury coverage generally match the coverage limits you select for Bodily Injury Liability coverage limits – but this can vary between insurers.
The Idaho Department of Insurance oversees the state’s motorcycle insurance requirements – so check with them for the latest requirement information.
Motorcycles & Two-Wheeled Vehicles Defined in Idaho
In Idaho, motorcycles and other two-wheeled vehicles are legally defined as follows:
- Motorcycle: A motor vehicle designed to travel on not more than three wheels in contact with the ground, having a seat or saddle for the rider, and powered by an internal combustion engine or an electric motor.
- Moped: A motor-driven cycle with an engine not exceeding 50 cubic centimeters (3.05 cubic inches) which produces no more than 2 brake horsepower and is not capable of speeds greater than 30 miles per hour on level ground.
- Scooter: A two-wheeled vehicle with a motor displacement of 50 cubic centimeters or more that is not capable of speeds greater than 60 miles per hour.
Note: Definitions are based on the Idaho Statutes, Title 49 – Motor Vehicles, Chapter 1 – Definitions.
Insurance Requirements for Smaller Vehicles in Idaho
In Idaho, various smaller vehicles require insurance, including:
Motorcycles: All motorcycles, regardless of the number of wheels, must have liability insurance coverage in the state of Idaho.
Mopeds & Scooters: Mopeds and scooters with a motor that displaces 50 cubic centimeters or more are subject to the same insurance requirements as motorcycles in Idaho. Mopeds with an engine displacement less than 50 cubic centimeters do not require insurance but must be registered with the state.
If seeking insurance information on smaller motorized vehicles in Idaho, the best approach is to reach out to an insurance provider who can offer tailored support.
General Motorcycle Rules in Idaho
Here are some fundamental rules and regulations to bear in mind if you want to legally ride a motorcycle in Idaho.
- Lane splitting: Lane splitting (riding between lanes of traffic is illegal in Idaho.
- Helmets: Idaho law requires all motorcycle riders and passengers under the age of 18 to wear a helmet while riding. Although not mandatory for riders over 18, helmets are still recommended. All helmets must meet the safety standards set by the Idaho Department of Transportation (DOT).
- Eye protection: All riders in Idaho are required to wear protective eye-wear unless their motorcycle has a windshield.
- Passengers: A passenger can only ride on a motorcycle if the bike is equipped with a designated passenger seat and footrest.
- Mirrors & lighting: Motorcycles must be equipped with at least one rear-view mirror and have proper lighting, including brake lights, tail lights, and turn signals.
- Turn signals: Idaho law requires motorcycles to have functioning turn signals.
- Headlights: Motorcycles must have at least one working headlight, which must be used during daytime and nighttime hours.
- Seat & footrest: All motorcycles must have a seat for the rider, as well as a footrest.
- Endorsement: To legally operate a motorcycle in Idaho, you must have a motorcycle (Class M) endorsement on your driver’s license.
Additional Insurance Coverage for Motorcyclists in Idaho
Though minimum coverage may suffice for some motorcyclists in Idaho – others may prefer extra protection.
For added peace of mind, here are some additional coverage options to consider:
- Collision coverage: This coverage can provide financial assistance for repairs or replacement if your motorcycle is damaged or totaled in an accident.
- Comprehensive coverage: Comprehensive coverage can help cover the cost of repairs or replacement if your motorcycle is stolen, vandalized, or damaged due to weather or other non-collision events.
- Roadside assistance: This type of coverage can provide assistance if your motorcycle breaks down while you’re on the road. Services may include towing, fuel delivery, and battery jump-starts.
- Custom parts & equipment coverage: If you’ve customized your motorcycle with unique parts or accessories, this coverage can help cover the cost of repairs or replacement if they are damaged or stolen.
- Uninsured & underinsured motorist coverage: This coverage can provide protection if you’re involved in an accident with a driver who doesn’t have insurance or adequate coverage to pay for damages.
- Medical payments coverage: This coverage can help cover medical expenses for you and your passengers in the event of an accident.
Proof of Insurance & Penalties in Idaho
When operating a vehicle in Idaho, motorists (including motorcyclists) should carry proof of insurance at all times.
Failure to provide proof of insurance when requested by a law enforcement officer (e.g. during traffic stops or after accidents) can result in penalties.
- First Offense: Fine of up to $75, and potential impoundment of your vehicle.
- Second Offense: Fine of up to $1,000, suspension of license and registration for up to one year, and potential impoundment of your vehicle.
- Third & Subsequent Offenses: Fine of up to $1,000, suspension of license and registration for up to one year, and potential impoundment of your vehicle.
Note: Penalties for failing to provide or carry insurance may be subject to future change.
FAQs: Motorcycle Insurance in Idaho
Outlined below are basic questions about motorcycle insurance and motorcycle rules/regulations specific to the state of Idaho.
Is “lane splitting” legal in Idaho?
Lane splitting is illegal in Idaho according to Idaho Code § 49-630.
Are helmets required for motorcyclists in Idaho?
In Idaho, helmets are required for all riders and passengers under the age of 18.
Helmets should meet safety standards set by Idaho law.
Do I need an endorsement or license to ride a motorcycle?
Yes, you need a Class M driver’s license or a motorcycle endorsement on your existing driver’s license to legally operate a motorcycle in the state of Idaho.
You can obtain a motorcycle endorsement by passing a written test and either completing a motorcycle training course approved by the Idaho Division of Motor Vehicles (DMV) or passing a skills test.
How can you save money on motorcycle insurance in Idaho?
Analyzing plans and prices among different insurance providers, taking advantage of special discounts, and selecting a high deductible are all potential ways to save on motorcycle insurance.
Do scooters & mopeds require similar insurance as motorcycles in Idaho?
Mopeds and scooters with a motor displacement of 50 cubic centimeters or more are subject to the same insurance requirements as motorcycles.
That said, mopeds with an engine displacement less than 50 cubic centimeters do not require insurance yet must be registered with the state.
If you’re confused about coverage for non-motorcycle vehicles – ask an insurance provider and they’ll be happy to help.
What if you drive a motorcycle without insurance in Idaho?
It is illegal to operate a motorcycle without insurance in the state of Idaho.
Those caught driving without insurance may end up with fines, license suspension, motorcycle impoundment, and possibly other penalties such as community service and/or jail time.
Which variables influence motorcycle insurance cost in Idaho?
Common variables that influence the cost of motorcycle insurance, include:
- Age & gender of the rider
- Driving record (clean vs. rap sheet)
- Total value of motorcycle
- Location (living & driving)
- Desired insurance policy/package
- Frequency of motorcycle use
Obtaining great motorcycle insurance in Idaho
Obtaining trustworthy motorcycle insurance coverage in Idaho is a crucial step for any rider.
Although it may initially seem daunting, finding the right insurance plan doesn’t need to be difficult.
By entering your location into Zip Code location boxes provided on this website will give you ideas of quality providers in your area.
Next, you get quotes from these providers and compare both coverage and cost – determining which is giving you more value for your money.
Once you’ve secured an insurance policy that satisfies the state’s requirements and your personal preferences – you’ll be ready to take on the Idaho roadways.