Idaho Car Insurance Calculator: Estimate Your Car Insurance Costs

If you want an estimate of how much car insurance costs in Idaho, you can use MoneyGeek’s car insurance calculator to get an average price. You can also use our analysis if you want to figure out which factors have the biggest impact on your car insurance premiums in Idaho.

On average, it will take you 10 to 15 minutes to get a personalized quote from a car insurance company based on the personal details you provide. MoneyGeek’s car insurance calculator for Idaho can also give you an estimate of how much car insurance may cost for you per year based on your age, driving record, vehicle type and coverage levels.

According to our analysis, adding a teen driver to your policy, your age and how much coverage you buy are the factors with the biggest impact on car insurance costs in Idaho.

However, the primary factor for you may change depending on your combination of characteristics.

The cheapest company in Idaho for you may depend on several factors, but our car insurance calculator can get you a close estimate. GEICO is the cheapest widely available insurer in Idaho for our default driver at roughly $288 per year. However, cost isn’t everything. You also want to pick a company that has great service and the coverages you need.

Car insurance companies in Idaho use a variety of rating factors to calculate car insurance premiums. The biggest factors that will impact your insurance premiums in Idaho are adding a teen driver to your policy, your age and the level of coverage that you choose.

Adding a teen driver to your policy is the most significant factor that may impact premiums in Idaho and can multiply car insurance rates by 3.5x.

Teen drivers tend to be inexperienced and are therefore at a higher risk of getting into accidents. This means that when you add a teen driver to your policy, the risk factor for the insurer increases. In turn, this drives up your car insurance premiums.

If you add a teen driver to your Idaho policy, your car insurance costs might multiply by 3.5x.

Insurers in Idaho will factor in how old you are when calculating the cost of car insurance. In Idaho, drivers who are 40 years old pay the cheapest rates while drivers who are 19 or 20 pay the most expensive premiums.

In Idaho, drivers can pay up to 2.3x more for car insurance depending on their age.

It is important to calculate how much car insurance you need in Idaho before you choose a policy because coverage level is a big factor in the cost of car insurance. If you opt for comprehensive and collision coverage or higher liability limits, you will pay more compared to a driver with a state minimum policy.

The highest annual premium in Idaho is for full coverage car insurance with liability limits of 100/300/100 and a $500 deductible. The cheapest rate is offered for state minimum policies.

The level of coverage you choose can multiply your car insurance costs in Idaho by 2.1x.

Maintaining a good credit score can help you keep your car insurance costs low in Idaho. Drivers who have poor credit scores in Idaho will typically pay more for car insurance compared to those with an excellent credit score since insurers anticipate that they are more likely to file a claim.

Your credit score can multiply your car insurance costs by up to 2x in Idaho if you have poor credit as opposed to excellent credit.

The type of vehicle you want to insure will impact how much you pay for car insurance in Idaho. Luxury cars that tend to cost more to repair or replace will generally incur higher insurance rates. Some car models may also be more prone to theft which can also drive up the cost of car insurance.

The type of vehicle to be insured can multiply car insurance rates by 2x in Idaho.

You can learn more about how to calculate insurance premiums in Idaho with these frequently asked questions.

MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Idaho. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.