Updated: November 17, 2024
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In Idaho, the annual average cost for car insurance varies based on the coverage you choose. For full coverage, drivers can expect to pay around $861, while opting for minimum coverage is more affordable at $416 annually.
Factors that affect car insurance premiums include your age, the level of protection you pick, where you live, how well you drive and your credit score.
Why Trust MoneyGeek? MoneyGeek analyzed Idaho auto insurance rates using data and information from the Idaho Department of Insurance and Quadrant Information Services.
These rates reflect the average cost of car insurance in Idaho as of November 2024.
Idaho's average full coverage car insurance cost is $861 annually. You can compare car insurance quotes to find the best deal.
Below is the usual pricing for auto insurance across Idaho. This includes minimum coverage and full coverage options, giving a clear idea of potential insurance expenses.
| 100/300/100 Full Cov. w/$1,000 Ded. | $861 | $72 |
| 100/300/100 Liability Only | $507 | $42 |
| State Minimum Liability Only | $416 | $35 |
Car insurance in Idaho is relatively affordable compared to the national average. Idaho drivers pay an average annual premium of about $416 or approximately $35 monthly for minimum coverage. Meanwhile, the national average yearly premium is around $628 or $52 monthly.
Factors contributing to Idaho's more affordable car insurance rates include lower population density, fewer accidents and less crime. Idaho also has fewer severe weather events that can lead to claims. Full coverage with a $1,000 deductible in Idaho costs an average of $861 annually or a monthly premium of about $72, making it an accessible option for drivers seeking more comprehensive protection on the road.
Car insurance premiums vary per company, even in the same state. In Idaho, for example, State Farm offers the cheapest full coverage annually at $548, while Dairyland presents the most expensive at $1,918.
It's crucial to compare car insurance quotes to find the cheapest car insurance in Idaho. Shopping around ensures you get the best coverage that fits your budget.
| State Farm | $548 | $46 |
| American National P&C | $616 | $51 |
| Auto-Owners Insurance Co | $666 | $55 |
| American Family | $667 | $56 |
| GEICO | $702 | $59 |
| Idaho Farm Bureau | $718 | $60 |
| Farmers | $808 | $67 |
| Travelers | $839 | $70 |
| Allstate | $985 | $82 |
| Nationwide | $1,002 | $83 |
| Dairyland | $1,918 | $160 |
Several factors, including the level of coverage, influence the cost of car insurance in Idaho. For instance, minimum coverage costs an average of $35 monthly, while full coverage with a $1,000 deductible averages $72 monthly. Despite the higher expense, full coverage insurance is generally recommended for its comprehensive protection.
Adding comprehensive and collision coverage will result in a higher premium, but opting for higher deductibles may counter this increase. Keep in mind that each time you make a claim, the deductible is the amount you're responsible for before insurance contributes.
| State Minimum Liability Only | $416 | $35 |
| 100/300/100 Liability Only | $507 | $42 |
| 300/500/300 Liability Only | $579 | $48 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $739 | $62 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $770 | $64 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $830 | $69 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $857 | $71 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $861 | $72 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $901 | $75 |
| 300/500/300 Full Cov. w/$1,000 Ded | $933 | $78 |
| 100/300/1000,000 - 500 comp_coll | $948 | $79 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,019 | $85 |
Idaho's minimum car insurance requirements include $20,000 bodily injury liability per person, $50,000 per accident and $15,000 property damage liability per accident, with no mandatory uninsured/underinsured motorist or personal injury protection coverage.
$20,000 bodily injury liability per person
In Idaho, $20,000 in bodily injury liability coverage goes toward each person injured if you cause a car accident.
$50,000 bodily injury liability per accident
The $50,000 bodily injury liability per accident covers other passengers' medical expenses in an accident where the policyholder is at fault.
$15,000 property damage liability per accident
This property damage coverage helps pay for repairs to the other person's vehicle or property if the policyholder is responsible for the accident.
Your car insurance premiums in Idaho can be heavily influenced by your specific location. The cheapest city for full coverage, Meridian, is $656, compared to Boise City's $670.
In Idaho, factors like your driving history, the type of car you drive and the amount of coverage you select can all impact your car insurance rates. Weather conditions and local crime rates may also play a role in determining premiums.
| Boise City | $670 | $341 |
| Meridian | $656 | $332 |
Age significantly affects car insurance rates in Idaho. Young drivers typically face the highest costs due to their inexperience, while middle-aged drivers enjoy lower rates. Car insurance premiums in Idaho tend to decrease with age. Drivers aged 22 to 29 usually pay the most, averaging $1,097 annually, while those 60 and older often benefit from the most affordable rates at $836 per year.
| 22-29 | $1,097 | $91 |
| 30-59 | $861 | $72 |
| 60 + | $836 | $70 |
Age and gender affect car insurance rates in Idaho, with 16-year-old male drivers experiencing some of the highest premiums. On average, when a 16-year-old male is added to a family policy, the annual cost is $1,660. However, if they go for an independent policy, the premium increases to $4,056.
Teens under 18 usually cannot purchase car insurance without a parent or guardian. Therefore, a co-signer is often required, keeping the rates within the family policy more manageable.
The average annual cost of full coverage car insurance for a 2012 car model is $699, while the same coverage jumps to $881 for a 2022 model. This increase reflects newer models' higher actual cash value, greater repair costs and the potential increased risk of theft.
Drivers with newer car models, like those from 2022, should consider obtaining comprehensive and collision coverage. These coverages protect against a wide range of incidents, from theft to accidents. This ensures not only the vehicle's safety but also helps maintain its value over time.
| 2012 Vehicle | $699 | $58 |
| 2022 Vehicle | $881 | $73 |
The actual cash value (ACV) of your vehicle is the amount an insurance company will pay out for a comprehensive or collision claim. This value is based on your car's current condition minus depreciation. It determines the compensation you'll receive from your insurer for damages or loss.
The average cost of car insurance in Idaho varies significantly depending on your driving record. Here’s what drivers with various records can expect to pay:
The more severe a driving violation, the higher the car insurance premiums in Idaho. Violations like at-fault accidents or DUIs can lead to larger increases in your insurance costs and they'll affect your premiums for a significant period. For instance, a DUI in Idaho can affect your insurance rates for up to 10 years.
To find the average cost of insurance in Idaho for various driving records, check out the table by coverage and age group.
| Clean | $861 | $72 |
| Ticket | $1,013 | $84 |
| At-fault Accident | $1,147 | $96 |
| DUI | $1,408 | $117 |
In Idaho, the average cost of car insurance varies significantly with credit scores, ranging from $489 for those with excellent credit to $972 for those with poor credit. Your credit score plays a crucial role in determining your car insurance rates. A good credit score, which is typically between 670 to 739, can lead to more affordable insurance premiums, whereas scores below this range may result in higher costs.
| Excellent | $489 | $41 |
| Good | $560 | $47 |
| Fair | $678 | $57 |
| Below Fair | $829 | $69 |
| Poor | $972 | $81 |
Discover the key factors that affect car insurance rates in Idaho and learn how you can secure an affordable plan tailored to your needs.
You need to think about each of these factors when shopping for a car insurance plan that offers the best protection at a competitive price.
To secure affordable car insurance in Idaho, you can compare options, raise your deductible and apply for all eligible discounts. These strategies quickly reduce premiums for your minimum coverage or more comprehensive policies.
Shop Around for Insurance Rates
Review multiple insurance providers to find the cheapest car insurance in South Carolina, since rates can vary significantly.
Maintain a Clean Driving Record
Avoiding accidents and traffic violations can help you qualify for lower rates since insurers consider safe drivers less risky to insure.
Increase Your Deductibles
You can choose higher deductibles for collision and comprehensive coverages, which can lower your premium. However, make sure you also can afford the out-of-pocket cost if you need to file a claim.
Bundle Insurance Policies
Insuring your car and home with the same company can lead to discounts making overall insurance costs cheaper.
Take Advantage of Discounts
Many insurance providers have discounts for things like multiple cars, good students or safety features in your vehicle.
Consider Vehicle Type
Some cars are cheaper to insure due to safety ratings and repair costs. Research insurance costs before you choose a car to buy.
Review Your Coverage Regularly
Review your policy annually to ensure you have the right coverage and aren't overpaying. If you shop for new coverage, you should get more than one quote since prices can vary greatly between insurers.
Find answers to commonly asked questions about the average cost of car insurance in Idaho.
In Idaho, to drive legally, you must have at least $20,000 for bodily injury liability per person, $50,000 per accident, and $15,000 for property damage liability. These are the minimum car insurance requirements.
On average, full coverage auto insurance in Idaho costs around $861 per year or $72 per month. The state-required minimum coverage is more affordable, averaging $416 annually or $35 monthly.
A 22-year-old in Idaho typically pays about $1,097 annually or $91 monthly for a full coverage policy with 100/300/100 limits and a $1,000 deductible. Liability-only coverage with these limits costs approximately $634 per year or $53 monthly, while the state minimum coverage averages $511 annually or $43 monthly.
State Farm and American National P&C provide the most budget-friendly rates in Idaho, with annual premiums of $222 for minimum coverage and $548 for full coverage, respectively. They are the cheapest car insurance companies in Idaho.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
