The cost of car insurance in Idaho varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Auto-Owners offers the cheapest rates at $916 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Idaho. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
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?
CarInsurance.com data found that drivers in Idaho pay $119 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other 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 policies are the most affordable option and provide the minimum coverage required in Idaho. However, they don’t offer much 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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
Idaho’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $15,000 in 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
Liability-only car insurance costs $440 in Idaho for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Idaho
On average, premiums for full coverage car insurance in Idaho cost $1,428 per year for the 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Idaho pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Idaho car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Idaho by car model
Car insurers in Idaho use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Idaho drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,381 annually.
Car insurance for drivers aged 16-19 costs $3,345 more annually than Idaho 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Idaho can increase your premiums by up to 64% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Idaho, you’ll likely see an increase in your car insurance premium by up to 24% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Idaho following 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, comparing quotes can still help you save money.
Car insurance cost in Idaho for high-risk drivers
In Idaho, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
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 this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Idaho
In Idaho, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Start your search for the best car insurance policy in Idaho by getting quotes from several insurers for comparison.
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 costs differ from city to city in Idaho, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Idaho’s major cities.
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.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Idaho.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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