Car insurance costs in Idaho vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in Idaho at $916 annually.
This guide makes buying car insurance in Idaho easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Idaho works and how much insurance you need.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Idaho, at $916 per year.
- In Idaho, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Idaho costs around $357 annually for limits of 25/50/15, while liability-only coverage costs $440 per year for limits of 50/100/50.
- In Idaho, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 24%, a DUI raising rates by 64%, and an at-fault accident by up to 37%.
How much is car insurance in Idaho?
In Idaho, drivers pay an average of $119 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Idaho by coverage level
In Idaho, car insurance rates can differ depending on how much coverage you choose. Drivers in Idaho are required by law to have minimum insurance coverage limits of 25/50/15 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Idaho, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Idaho for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $30 | $357 |
| Liability Only – 50/100/50 BI/PD | $37 | $440 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $119 | $1,428 |
State minimum car insurance in Idaho
In Idaho, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $15,000 of property damage liability.
The state minimum coverage in Idaho costs $357 a year but doesn’t provide much protection for drivers. Idaho drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Idaho must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Idaho
According to CarInsurance.com data, liability-only car insurance costs $440 in Idaho for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Idaho
The average annual premium in Idaho is $1,428 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in Idaho
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Idaho have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Idaho Car Insurance Rates by ZIP Code
Estimate car insurance in Idaho by car model
Idaho car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Idaho.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Idaho
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Idaho, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,381 annually.
Idaho drivers aged 16-19 pay $3,345 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,726 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,212 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,381 per year in Idaho.
- For senior drivers: Drivers age 65 and older can expect to pay $1,412 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Idaho
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Idaho, a DUI conviction often results in higher premiums and you may see an increase of up to 64% as insurers perceive you as a high-risk driver.
If you get caught speeding in Idaho, your car insurance rates will increase by 24% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 64% increase
- At-fault accident (bodily injury and property damage): 37% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Idaho for high-risk drivers
High-risk drivers in Idaho pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,087 |
| State Farm | $1,305 |
| Auto-Owners | $1,360 |
| Travelers | $1,684 |
| Geico | $1,926 |
| Nationwide | $2,616 |
| Farmers | $3,028 |
| Allstate | $3,097 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Idaho
In Idaho, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Idaho by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Idaho and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $190 | $252 | $916 |
| State Farm | $244 | $322 | $1,120 |
| Geico | $201 | $257 | $1,174 |
| Travelers | $323 | $405 | $1,263 |
| Nationwide | $645 | $690 | $1,505 |
| Farmers | $406 | $579 | $1,606 |
| Farm Bureau | $337 | $423 | $1,652 |
| Allstate | $484 | $517 | $1,945 |
| Sentry Insurance | $567 | $748 | $2,352 |
| USAA | $170 | $209 | $742 |
Car insurance rates by city in Idaho
Porthill is Idaho’s most expensive city for car insurance at an average cost of $1,549 annually. Mountain Home is the state’s least expensive city, with an average car insurance rate of $1,247 annually.
Car insurance rates vary by city in Idaho for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Idaho.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $745 |
| Auto-Owners | $822 |
| State Farm | $1,087 |
| Geico | $1,159 |
| Travelers | $1,298 |
| Nationwide | $1,496 |
| Idaho Farm Bureau | $1,516 |
| Farmers | $1,546 |
| Allstate | $1,954 |
| Sentry Insurance | $2,431 |
How much does car insurance cost in Idaho per month?
The average cost of a full-coverage car insurance policy in Idaho costs $119 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $37 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $119 |
Final thoughts on choosing car insurance in Idaho
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Idaho. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Idaho