Average cost of car insurance in Idaho for 2023

How much is car insurance in Idaho?

In addition to factoring the state itself, Idaho car insurance rates vary by several additional factors. How old you and your household drivers are, your claims and driving records, coverage types and limits, selected insurance company and even the city you live in factor into your cost of insurance. Although minimum coverage is typically cheaper than full coverage, it only provides the state minimum required coverage, which reduces your financial protection. Full coverage may be worth considering in many cases so that you have more coverage on the road.

Idaho car insurance rates by city

The city you live in, as well as ZIP code, impacts car insurance rates in Idaho. Frequency of claims, crime rates and population density are a few factors insurance companies use to determine rates for each city. Bankrate’s research has found that Boise and Meridian have some of the cheapest full coverage rates of large Idaho cities, with average rates that are less than the state average.

Average car insurance costs by age and gender in Idaho

In most states, including Idaho, a driver's age and gender greatly impact car insurance rates. The tables below show rates for teens on their parents’ policy, as most drivers under 18 don’t qualify for an individual policy and typically stay on their parent’s policy until they are financially independent and living on their own. Older drivers on their own policy can typically get cheaper rates because they have more experience behind the wheel and are at less risk of being in an accident. Statistically, men are involved in more accidents than women, so their rates tend to be slightly higher at all ages.

Cost considerations for young drivers in Idaho

Drivers who are under the age of 18 must have car insurance through their parents' policy, but are able to purchase their own policy once they turn 18. However, young drivers may want to consider staying on their parents' policy for longer, if possible, since the coverage would likely cost less than if they have their own policy. The average cost of car insurance in Idaho for drivers aged 18–20 is considerably higher than the state averages.

*16- and 17-year-old drivers must be on their parents’ policy.

How does driving record impact the cost of car insurance in Idaho?

Being at fault in an accident or getting a speeding ticket are two ways your car insurance premium could sharply increase upon your policy’s renewal. According to the rates we compared, a DUI conviction is the most severe violation. The average car insurance cost in Idaho for a driver with a DUI conviction on their record is significantly higher than average, resulting from an average premium increase of 65 percent. On the other hand, an at-fault accident may only increase premiums by 37 percent.

Here are average rates for Idaho drivers who have had an accident or moving violation:

Car insurance rates in Idaho by credit tier

Falling within an excellent credit tier may earn you a rate that is below the state average due to actuarial data that shows that drivers with good credit tend to file less claims. Conversely, a poor credit rating may indicate a higher likelihood of claims, resulting in a higher cost of car insurance.

Idaho car insurance rates by vehicle type

How much is car insurance in Idaho for your car? It depends partly on what kind of car you are driving. If you own a luxury or sports car that requires pricey or imported parts for repair, the vehicle may cost more to insure than a domestic vehicle that is not prone to expensive repair costs. You may also pay more if your car has a high theft rate. Here are average rates for some common makes and models.

How to save on car insurance in Idaho

There are a few ways you can potentially save on your car insurance. The following methods are fairly simple to qualify for and may bring your budget some relief.

• Research your vehicle before you buy: Some cars are cheaper to insure than others. Sportcars, 4x4s and higher-value vehicles are commonly among the most expensive to insure. Getting a car insurance quote before you buy can help you find the best car to fit your budget.
• Raise your deductibles: Raising your comprehensive and collision deductibles from will typically lower your premiums. Depending on the type of coverage you raise the deductible, the impact may be more or less significant; collision deductibles impact your premium more than comprehensive deductibles. However, before you go this route, remember that increasing your deductibles means paying more out of pocket in the event of a claim.
• Avoid accidents and claims: If you get a single speeding ticket, Idaho drivers’ car insurance could go up about 18 percent, on average. Generally, the safer a driver you are, the cheaper your car insurance should be in the long run.
• Take advantage of discounts: Car insurance companies offer discounts, such as good student, good driver and low mileage. Take advantage of as many as you can qualify for to help reduce your rates.

Estimate your car insurance cost in Idaho

Frequently asked questions