Non-Owner Car Insurance in Idaho
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Liability protection for Idaho drivers who don't own a car.
- The monthly average for owner liability is $43.
- Minimum liability limits: 25/50/15.
- Costs put it 47th of 51 among states (1st = highest).
Non-owner coverage: who it suits
- You often drive borrowed or rented cars, but don't own one.
- You have no car to insure, yet Idaho still asks you for an SR-22 filing.
- A gap in cover between cars can raise your next price, so you want to prevent it.
What the policy covers
Liability is the only coverage provided by a non-owner policy. The Idaho minimum is 25/50/15, and the policy must meet it.
If you cause a crash in a borrowed car, it pays other people. Coverage for repairing the car you drive isn't included; payments usually come first from the owner's policy.
How much it costs
No official average exists for non-owner policies. For Idaho car owners, average liability coverage costs $519 a year. Non-owner policies usually cost less because you don't keep a car in your driveway every day.
Learn more about car insurance in Idaho
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