You can only get insurance in Idaho as a college student in ID with a Washington State registered car if the Idaho auto insurance provider is also authorized as an insurer in Washington State as well.

The Washington State Department of Licensing notes that if you drive a vehicle that is registered in Washington, or is required to be registered under Revised Code of Washington (RCW) 46.16, you must have one of the following:

1. An auto insurance policy with limits of at least:

• $25,000 of Bodily Injury or death of one person in any one accident.
• $50,000 of Bodily Injury or death of any 2 persons in any one accident.
• $10,000 of destruction or injury of property of others in any one accident.
• This is referred to as Liability insurance limits of 25/50/10.

2. Self insurance. If you or your company has 26 vehicles or more, you may qualify for self-insurance.

3. A certificate of deposit for at least $60,000. You can make a deposit of collateral with the State Treasurer’s office or in a bank account set up for the state of Washington.

4. A liability bond for at least $60,000. The bond must be filed by a surety bond company authorized to do business in this state.

A few section of Washington State’s laws note that an insurance policy for auto insurance must be issued by an insurance company authorized to do business in Washington State. RCW 49.29.090 as well as RCW 49.29.490 are 2 such sections of law.

RCW 49.29.090 notes that no insurance policy or liability bond is effective unless issued by an insurance company or surety company authorized to do business in this state.

RCW 49.29.490 states defines a "motor vehicle liability policy" to mean an "owner's policy" or an "operator's policy" of Liability insurance as being issued by an insurance carrier duly authorized to transact business in this state. 

So if you are able to find an Idaho insurance carrier that is authorized to also do business in Washington it should fulfill the WA laws regarding who issued your insurance policy. Get affordable auto insurance rate quotes for either Idaho or Washington State here with us.