Auto Insurance
From daily commutes along Eagle Road and I-84 between Caldwell, Nampa, Meridian and Boise to weekend adventures in the Idaho mountains, Maxwell Insurance Group helps Treasure Valley drivers find auto insurance that fits their life and budget. Based in Meridian, Idaho, our independent agency compares rates from multiple top-rated carriers so you get the coverage you need without overpaying. Whether you're navigating icy winter roads or summer road trips, we make sure you're properly protected.
What's often covered
- Liability coverage for injuries and damage you cause
- Collision coverage for accidents with other vehicles
- Comprehensive coverage for theft, weather, and more
- Uninsured/underinsured motorist protection
- Medical payments coverage
- Roadside assistance and towing
- Rental car reimbursement while your vehicle is being repaired
- Gap coverage for newer vehicles with outstanding loans
- Winter weather and collision protection for Idaho's icy roads
Who it's for
- Drivers looking to save on their current policy
- Families with multiple vehicles
- New drivers getting their first policy
- Anyone wanting to bundle with home insurance
- Teen and young adult drivers in the household
- Commuters driving Idaho highways and interstates daily
Idaho and Treasure Valley driving facts
What Idaho law requires of drivers, and what the state's own crash and crime data shows for Ada and Canyon counties. Whether a given loss is covered depends on the policy's terms, exclusions, and any applicable endorsements.
- Idaho's liability minimums are 25/50/15
- Idaho requires minimum auto liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. Source: Idaho Code 49-117
- UM/UIM is included at minimum limits unless rejected in writing
- Idaho auto liability policies must include uninsured and underinsured motorist coverage at the state minimum limits unless the named insured rejects either coverage in writing or by electronic record. Source: Idaho Code 41-2502
- Idaho uses modified comparative fault
- A claimant recovers only if their negligence was not as great as that of the party they are suing, so a claimant found 50% at fault recovers nothing; otherwise damages are reduced by the claimant's share of fault. Source: Idaho Code 6-801
- Penalties for driving uninsured
- A first offense of driving without insurance is an infraction punishable by a $75 fine; a second or later offense within five years is a misdemeanor punishable by up to $1,000 and up to six months in jail. Source: Idaho Code 49-1229(5); 49-1232(3)
- 11,506 crashes in Ada and Canyon counties in 2025
- Ada County recorded 7,420 crashes with 3,325 people injured, and Canyon County recorded 4,086 crashes with 1,766 injured. Idaho's minimum limits may not cover the full cost of a serious crash. Source: Idaho Transportation Department, Idaho Traffic Crashes
- 1,929 animal-vehicle crashes statewide in 2025
- Most were property-damage-only. On many personal auto policies, damage from hitting an animal is addressed under comprehensive rather than collision coverage, subject to the policy's terms, exclusions, and any applicable endorsements. Source: Idaho Transportation Department, Idaho Traffic Crashes
- 514 motor vehicle thefts reported to law enforcement in Ada and Canyon counties in 2025
- Law enforcement in Ada County reported 297 motor vehicle thefts and Canyon County reported 217. Theft of a vehicle is typically addressed under comprehensive coverage, subject to the policy's terms, exclusions, and any applicable endorsements. Source: Idaho State Police, Crime in Idaho
Related guides
Idaho Auto Insurance Requirements: What You Need to Know
Understand Idaho's minimum auto insurance requirements (25/50/15), recommended coverage levels, and why uninsured motorist protection is crucial for Idaho drivers.
Will Filing an Insurance Claim Raise Your Rates? When to File and When to Pay Out of Pocket
Learn when filing a homeowners insurance claim makes sense and when it could cost you more in higher premiums. Understand deductibles, CLUE reports, claims-free discounts, and how to make the smartest decision for your situation.
How to Bundle Home and Auto Insurance in Idaho: A Complete Guide
Learn how bundling your home and auto insurance in Idaho can save you 5-25% on premiums. This guide covers carrier discounts, Idaho-specific considerations, and step-by-step instructions for Treasure Valley residents.
Oregon Auto Insurance Requirements: A Complete Guide
Learn about Oregon's mandatory auto insurance requirements (25/50/20), PIP coverage, and uninsured motorist protection. Essential information for Oregon drivers.
Washington State Car Insurance Requirements: Minimums, PIP, and UIM Rules
Washington requires 25/50/10 liability; insurers must offer PIP and include UIM, and both take a written rejection to decline. See the statutes, fault rule, and uninsured-driving penalties.
Arizona Car Insurance Requirements: Minimums, Penalties, and UM/UIM Rules
Arizona auto insurance requirements explained: the state's 25/50/15 minimum liability limits, UM/UIM rules, and penalties for driving uninsured.
Insurance laws by state
Auto minimums, UM/UIM, cancellation notice and life policy rules for ID, OR, WA and AZ, each cited.
Common questions
What's the minimum coverage required in Idaho?
Idaho law requires minimum liability coverage of 25/50/15—that's $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. While these minimums satisfy legal requirements, they may not be enough to fully protect you in a serious accident, especially as vehicle repair costs and medical expenses continue to rise. Maxwell Insurance Group typically recommends higher liability limits such as 100/300/100, which provides much stronger financial protection and is often surprisingly affordable. Our agents will explain the trade-offs and help you choose limits that match your assets and risk tolerance.
How can I lower my auto insurance premium?
There are several effective ways to potentially reduce your auto insurance costs. Bundling your auto and home policies often unlocks a multi-policy discount of 10–20%. Maintaining a clean driving record, completing a defensive driving course, and opting for a higher deductible can also lower your premium. If you have a newer vehicle, ask about anti-theft and safety feature discounts. As an independent agency, Maxwell Insurance Group compares rates across multiple carriers on your behalf, so we can identify the most competitive price for the coverage you need—something a single-company agent simply can't do.
Do you insure motorcycles and RVs?
Yes! Idaho is a fantastic state for outdoor recreation, and we help clients find coverage for motorcycles, RVs, ATVs, snowmobiles, boats, and other recreational vehicles through our carrier partners. Whether you're riding trails near Idaho City, boating on Lucky Peak, or taking your RV across the state, we'll make sure you have proper liability, collision, and comprehensive coverage. Our agency can often bundle recreational vehicle policies with your auto and home insurance for additional savings.
How does winter driving in Idaho affect my auto insurance?
Idaho's winters bring snow, ice, and reduced visibility, which lead to an increase in collision claims across the Treasure Valley and throughout the state. While winter weather itself doesn't directly raise your premium, accidents and claims during winter months can. Carrying comprehensive and collision coverage is especially important during the colder months, as it protects you from weather-related damage like hail, falling tree limbs, and collisions on icy roads. Maxwell Insurance Group recommends Treasure Valley drivers review their deductibles and coverage limits before winter to make sure they're prepared for the season.
Why should I use an independent agent for auto insurance?
When you work with an independent agent like Maxwell Insurance Group, you get access to quotes from multiple insurance carriers through a single point of contact. This means we do the comparison shopping for you, evaluating price, coverage options, claims service reputation, and available discounts across our carrier partners. Unlike a captive agent who can only offer one company's products, we can move your policy to a different carrier if your current insurer raises rates or if a better option becomes available. For Idaho drivers, this flexibility is valuable because rates can vary significantly from one carrier to another based on factors like your zip code in the Treasure Valley, your vehicle type, and your driving history.
What is gap insurance and do I need it?
Gap insurance covers the difference between what you owe on your vehicle loan or lease and the car's actual cash value if it's totaled or stolen. New vehicles depreciate quickly—often losing 20% or more of their value in the first year—so without gap coverage, you could owe thousands more than your insurance payout. This coverage is especially relevant for drivers who financed a vehicle with a low down payment, have a loan term longer than 60 months, or leased their car. Maxwell Insurance Group can add gap coverage to your auto policy, often at a lower cost than purchasing it through a dealership.
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Licensed in Idaho, Oregon, Washington, and Arizona