Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Idaho costs $31 per month or $374 per year for minimum coverage, on average. The cheapest car insurance companies in Idaho are Westfield, Geico, and Secura, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Idaho is 12% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Idaho, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Idaho by Category
- After an at-fault accident: $119 per month
- Driver with poor credit: $50 per month
- Teen driver: $173 per month
- After a DUI: $50 per month
Average Cost of Car Insurance in Idaho by Company
Company | Minimum Coverage | Full Coverage |
$497 per year | $1,965 per year | |
$446 per year | $1,204 per year | |
$113 per year | $490 per year | |
$175 per year | $690 per year | |
$553 per year | $1,983 per year | |
$219 per year | $839 per year | |
$544 per year | $1,272 per year | |
$201 per year | $758 per year | |
$347 per year | $1,010 per year | |
$201 per year | $838 per year |
Note: Rates are an approximation based on a 45-year-old man in Idaho with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Idaho by Age
Age | Average Premium |
$2,071 per year | |
$1,702 per year | |
$1,496 per year | |
$1,101 per year | |
$959 per year | |
$748 per year | |
$648 per year | |
$604 per year | |
$565 per year | |
$484 per year | |
$390 per year | |
$374 per year | |
$351 per year | |
$372 per year |
Note: Rates are an approximation based on a driver in Idaho with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Idaho
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Idaho as well as our picks for the cheapest car insurance companies in Idaho.
People also ask
How much car insurance do I need in Idaho?
Drivers in Idaho need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $15,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Idaho is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
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read full answerWhy is Idaho car insurance so expensive?
Car insurance in Idaho is actually not very expensive compared to the national average, thanks to mostly rural areas and a very few uninsured drivers on the roads. In Idaho, you can expect to pay around $2,732 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Idaho is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of...
read full answerWhat is the penalty for driving without insurance in Idaho?
The penalties for driving without insurance in Idaho include fines and the suspension of your driver's license. You can avoid these consequences by meeting Idaho’s proof of financial responsibility requirements. Idaho requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $15,000 in liability coverage for property damage.
Purchasing Idaho’s minimum liability car insurance coverage is the easiest way to satisfy the financial responsibility...
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