Geography and unbroken coverage are what price an Idaho account
Because there is no entry hearing and no public convenience finding to win, an Idaho startup file is not shaped by a regulatory contest. It is shaped by geography and by continuity of coverage.
Geography first. Idaho is long, mountainous and bordered by six states, and the difference between an operation that runs the Treasure Valley and one that runs US-95 end to end is not a difference in radius alone. A market reads the actual lane structure, the elevation and season on it, and whether the trucks cross into Washington, Oregon, Nevada, Utah, Wyoming or Montana, because that crossing changes both the federal registration position and the fuel account position.
Continuity second, and this is where the Idaho rule bites hardest. The financial responsibility filing is written as a condition both before and during registration, and the rule also provides that when certificates show insurance has lapsed the department is to refuse renewal of or revoke the vehicle registrations. A gap in coverage in Idaho is therefore not only an insurance problem; it reaches the plates. On a new venture with no history, an underwriter looking at a file that already shows a lapse is looking at the one thing the file was supposed to prove could not happen.
Third, and generally, a first-year carrier has no loss history, so the account is priced on structure: what is hauled, over what distance, by whom, in what equipment, under whose authority, and how recently that authority was granted. Idaho contributes an unusually clean version of that question, because the state layer adds so little noise to it.