Welcome to Clearwater Insurance Brokers. Our primary business office is located at 350 Memorial Dr, Suite 235, Idaho Falls, ID 83402, USA. We believe in providing clear, straightforward guidance, so you never feel lost when navigating coverage options.

Our primary mission is to help Idaho drivers secure robust, affordable car insurance, regardless of their driving record. From clean drivers wanting competitive premium full coverage to those seeking same-day SR-22 filings to restore their licenses, we work directly with top national carriers to find your perfect plan.

Expert Local Insurance Agents (EEAT Standards)

All our insurance representatives are fully licensed by the Idaho Department of Insurance and meet rigorous continuing education standards. We keep up with updated state financial guidelines and changes to local policies, helping you save money while remaining fully protected.

Idaho law requires every driver to carry proof of financial responsibility. Standard auto insurance from Clearwater Insurance Brokers safeguards you against major losses if you are involved in a collision on local roads, Interstate 15, or rural routes.

A complete auto policy includes three primary pillars:

• Liability Protection: Pays for bodily injuries and property damage you cause to others in an accident.
• Collision Protection: Covers repair bills for your own car if you strike another vehicle or obstacle.
• Comprehensive Protection: Safeguards your car against non-collision losses, including windshield cracks, hail damage, or hitting a deer.

We balance your coverage with reasonable deductibles (like $250, $500, or $1,000) that fit your monthly budget while protecting your assets.

In Idaho, you cannot operate a vehicle on public roads without meeting the minimum liability limits set by the state legislature. The statutory requirement is 25/50/15:

Warning: If you cause an accident with a modern vehicle or injure multiple people, minimum limits can be quickly exhausted. You are personally responsible for costs exceeding your policy limits.

We help you find affordable ways to increase your liability protection to 100/300/100, shielding your home, savings, and earnings from costly lawsuits.

While liability insurance covers damage to other vehicles, Full Coverage Auto Insurance protects your own car. If you are leasing or financing a vehicle in Idaho, your lender will require collision and comprehensive coverage.

Clearwater Insurance's premium full coverage policies offer:

• Collision Protection: Safeguards your vehicle if you slide on black ice during Idaho winters, hit a tree, or collide with another vehicle.
• Comprehensive Protection: Pays for damage caused by factors outside your control, including hailstorms, vandalism, falling objects, theft, or collisions with wild animals.
• Roadside Assistance: Optional add-on that covers towing fees, battery jump-starts, and emergency flat tire changes.

We tailor deductibles to help you balance your monthly premium with out-of-pocket costs, giving you reliable coverage on every journey.

An SR-22 is not an actual insurance policy. It is a certificate of financial responsibility that your insurance provider must file with the Idaho Transportation Department (ITD). This certificate proves you have the required liability coverage.

You may need an SR-22 filing if your license is suspended or revoked due to:

• A DUI or DWI conviction.
• Driving without valid insurance.
• Being involved in an accident while uninsured.
• Accumulating too many points on your driving record.

At Clearwater Insurance, we specialize in immediate, electronic SR-22 submittals to Boise, ID. We find carriers that offer SR-22 coverages without charging excessive premiums, helping you rebuild your driving record affordably.

If your business uses vehicles to transport equipment, deliver goods, or carry passengers in Idaho, personal auto policies will not cover accidents. You need a dedicated Commercial Auto Insurance policy.

Our commercial plans cover:

• Utility Pickups & Cargo Vans: Vans, box trucks, and commercial trailers.
• Hired/Non-Owned Auto Liability: Protects your business when employees drive their personal cars for business purposes.
• Fleet Maintenance Safety Credits: Save money on premiums with clean driver history validations.

Whether you run a single delivery truck in Idaho Falls or manage a larger fleet across the state, we can help build a policy that keeps your business running smoothly.

From cruising along the Snake River to taking scenic rides up to Yellowstone, riding a motorcycle in Idaho is an incredible experience. Clearwater Insurance offers premium motorcycle coverage to protect your bike, your gear, and your passengers.

Our customized motorcycle options include:

• Parts & Custom Equipment: Custom chrome, paint, and saddlebags.
• Rider Protection: Helmet, safety apparel, and passenger liability coverage.
• Winter Lay-Up Discounts: Save money by reducing collision coverage during cold winter months when your bike is stored safely.

Contact us today for a quick quote, and enjoy the peace of mind of having your motorcycle fully protected on the road.

Do you drive for rideshare networks like Uber or Lyft in Idaho Falls, ID? You might not have complete coverage. Rideshare companies provide insurance while a passenger is in your vehicle, but their coverage is limited when you are waiting for a ride request.

Rideshare Gap Insurance fills this coverage gap. Without this add-on, a personal insurance claim could be rejected if you are in an accident while the rideshare app is open. We offer simple, low-cost options to add rideshare protection to your policy.

A difficult driving record shouldn't prevent you from getting the car insurance you need. At Clearwater Insurance, we help high-risk drivers in Idaho get back on the road safely and legally.

Whether you are dealing with speeding tickets, multi-car collisions, or a DUI conviction, we find specialized carriers that write affordable plans for high-risk drivers. We can also set up same-day SR-22 filings if you need to restore your license.

If you need to maintain an active driver's license or require an SR-22 filing but do not own a vehicle, Non-Owner Auto Insurance is your best option. It provides standard bodily injury and property damage liability coverage whenever you drive a borrowed or rented vehicle.

It is a cost-effective way to prevent lapses in coverage, helping you get lower rates when you purchase a vehicle in the future.