Coverage
Motorcycle Insurance
Liability, collision, and gear coverage for street, sport, cruiser, and off-road riders.
Idaho has some of the best riding country in the country — and nearly 65,000 registered motorcyclists who know it. Whether you ride a cruiser through the foothills, a touring bike up Highway 55, or a sport bike on the weekend, Borgman Agency will find you the right coverage at the right price. We work with Progressive, Nationwide, and other top carriers who specialize in motorcycle coverage.
Idaho Motorcycle Insurance Requirements
Idaho law requires all registered motorcycles to carry minimum liability insurance:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $15,000 for property damage per accident
You must carry proof of insurance whenever you ride and present it for registration. Riding without insurance can result in fines, license suspension, and vehicle impoundment. Idaho is an at-fault state with comparative negligence laws — meaning partial fault can still leave you financially exposed without adequate coverage.
Motorcycle Coverage Options
- Liability: The state minimum — covers injuries and damage you cause to others
- Collision: Covers your bike after an accident, whether you hit another vehicle or a fixed object
- Comprehensive: Covers theft, fire, vandalism, and weather damage — particularly relevant in Idaho where hailstorms and wildlife are real hazards
- Uninsured/underinsured motorist: Protects you when an at-fault driver carries no insurance or inadequate coverage
- Medical payments: Covers your medical bills after an accident regardless of fault
- Custom parts and equipment (CPE): Covers aftermarket upgrades, saddlebags, custom paint, and specialty components — coverage limits vary by carrier and policy
- Roadside assistance: An optional add-on — towing a motorcycle requires specialized equipment
- Safety apparel coverage: Some carriers offer coverage for riding gear as part of their policy — ask us about what's available
How Much Does Motorcycle Insurance Cost in Idaho?
Idaho is generally considered one of the more affordable states for motorcycle insurance. Your rate will depend on your age, riding experience, the type and value of your bike, your driving record, storage situation, and the coverage options you select. Taking an Idaho STAR safety course may qualify you for discounts with several carriers. The best way to know your rate is to get quotes across multiple carriers — which is what we do.
Carriers we use for this line
Frequently Asked Questions
Yes. Idaho requires a valid driver's license with a motorcycle endorsement. You can obtain a motorcycle instruction permit first, then pass a road skills test or complete an entry-level riding course. Riders under 18 must wear a helmet by law.
If your motorcycle is registered, Idaho technically requires insurance year-round. However, some carriers offer storage or lay-up options that adjust your coverage during months when the bike is not being ridden. We'll help you find the right approach for your situation.
No. Auto insurance policies do not extend to motorcycles. You need a separate motorcycle policy. If you want to bundle and save, we can quote both together — most carriers offer multi-policy discounts.
Standard policies typically include limited custom parts coverage. If you have significant aftermarket upgrades — custom exhaust, chrome accessories, upgraded saddlebags — you may need higher CPE limits. We'll review your build and make sure your policy reflects it.
Yes. We work with carriers who write policies for a range of driving profiles. Call us at (208) 501-8877 and we'll find your best available option.
Ride protected. Call Borgman Agency at (208) 501-8877 or get your free motorcycle insurance quote online. We'll have options ready as quickly as possible.