--- title: "Commercial Auto Insurance in Idaho" description: "Idaho requires insurance or an indemnity bond for public-highway vehicles; haul-for-hire registration type determines the insurer certificate ITD needs." canonical: "https://spot.insure/coverage/commercial-auto/idaho" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/idaho) # Commercial Auto Insurance in Idaho Idaho requires vehicles operated on public highways to maintain insurance or an indemnity bond; the general liability minimum is $25,000/$50,000/$15,000. For haul-for-hire vehicles, ITD calls for Form E on intrastate registrations and BMC-91X on IRP registrations, with the insurer providing or verifying the filing and reporting subsequent cancellations.[^1][^2] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [Idaho](/coverage/states/idaho) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## Idaho Requirements | Requirement | Details | | --- | --- | | General motor-vehicle liability minimum | $25,000 per person / $50,000 per accident / $15,000 property damage[^1] | | Intrastate haul-for-hire certificate | Form E[^2] | | IRP haul-for-hire certificate | BMC-91X[^2] | ## What to Watch for in Idaho ### Registration And Operation Type Determine The Filing ITD requires Form E when a vehicle is registered intrastate with a haul-for-hire operation type; an IRP-registered haul-for-hire vehicle uses BMC-91X. Match every vehicle’s registration and operation type to the insurer’s certificate record.[^2] ### Policy Cancellation Can Affect Vehicle Registration ITD says the insurer provides or verifies haul-for-hire certificates and later cancellations through Motor Carrier Services; the agency warns cancellation may result in registration revocation. Coordinate replacement coverage and the new filing before ending the existing policy.[^2] ### Keep Proof Or The Indemnity Bond In The Vehicle ITD says public-highway vehicles must remain continuously insured or their owner must post an Idaho indemnity bond, and a copy of insurance proof or the bond must be carried in the vehicle. Put the current document with each truck’s registration materials.[^2] ### The General Floor Does Not Identify A Haul-For-Hire Filing The DMV’s 25/50/15 floor is separate from ITD’s Form E or BMC-91X certificate process. Ask the insurer to confirm both the policy limits for the operation and the correct state filing for each registration type.[^1][^2] ## Who Regulates Insurance in Idaho **Idaho Department of Insurance.** The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints.[^3][^7][^4] - [Regulator website](https://doi.idaho.gov/) - [License lookup](https://sbs.naic.org/solar-external-lookup/lookup) - [File a complaint](https://doi.idaho.gov/consumers/) - Phone: (208) 334-4250 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 1.5% of premium when Idaho is the home state for property and casualty coverage Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection.[^5][^6][^8] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Idaho; [check the regulator’s license lookup](https://sbs.naic.org/solar-external-lookup/lookup) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^11] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^14] ## Questions to Ask Before You Buy in Idaho 1. Is each haul-for-hire vehicle registered intrastate or under IRP, and does its file show Form E or BMC-91X as appropriate? 2. Will our insurer send Motor Carrier Services an updated filing before the current policy ends? 3. Does every public-highway vehicle have current proof of insurance or an Idaho indemnity bond in the cab? 4. Which separate motor-carrier limit applies to our commodity, carrier type, vehicle size, and route? ## Commercial Auto in Idaho: FAQ ### What is Idaho’s minimum liability insurance for a commercial vehicle? The DMV lists $25,000 per person, $50,000 per accident, and $15,000 property damage as the general vehicle minimum. Haul-for-hire registration also determines whether ITD needs Form E or BMC-91X.[^1][^2] ### Who needs Form E in Idaho? ITD requires Form E for vehicles registered intrastate with a haul-for-hire operation type. IRP-registered haul-for-hire vehicles use BMC-91X.[^2] ### Can an Idaho business use an indemnity bond instead of auto insurance? ITD says an owner of a vehicle operated on a public highway must keep it continuously insured or post an Idaho indemnity bond; a copy of the proof or bond must be carried in the vehicle.[^2] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in Idaho](/coverage/states/idaho) ## Sources [^1]: [Vehicle Insurance](https://itd.idaho.gov/dmv/registrations-plates-titles/vehicle-insurance/) — Idaho Transportation Department; Insurance Requirements; general liability minimums; electronic verification. Accessed 2026-09-28. [^2]: [Insurance Requirements — Commercial Vehicle Services](https://itd.idaho.gov/wp-content/uploads/2025/08/CVS-INSURANCE-REQUIREMENTS.pdf) — Idaho Transportation Department; Page 1: continuous insurance or indemnity bond; proof carried; Required Insurance Certificates; cancellation and registration note. Accessed 2026-09-28. [^3]: [Idaho Department of Insurance](https://doi.idaho.gov/) — Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28. [^4]: [Consumers](https://doi.idaho.gov/consumers/) — Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28. [^5]: [Idaho Insurance Laws and Regulations](https://doi.idaho.gov/wp-content/uploads/ID/2026.pdf) — Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28. [^6]: [Surplus Lines](https://doi.idaho.gov/industry/licensing-services/license-types/surplus-lines/) — Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28. [^7]: [Request Public Records](https://doi.idaho.gov/information/public/request-public-records/) — Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28. [^8]: [Surplus Lines: Facts to Know](https://doi.idaho.gov/wp-content/uploads/NewsReleases/Infographics/surplus-lines_V2.pdf) — Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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