Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Average cost of car insurance in Idaho for 2023
Idaho drivers pay an average annual cost of $1,133 per year for full coverage car insurance and $267 per year for minimum coverage.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
What To Know First
The average cost for state-mandated minimum coverage in Idaho is $267 per year while full coverage, which includes collision and comprehensive insurance, costs an average of $1,133. Although cost isn't the only factor to consider when purchasing a policy, knowing average rates can help you know if you're getting the best policy for your money. Bankrate's insurance editorial team, which includes licensed property and casualty agents, did the legwork so you don't have to. We analyzed average annual rate data from Quadrant Information Services to determine how much you can expect to pay for your Idaho car insurance.
- Residents of Boise have some of the lowest rates in the state, paying an average of $1,032 for full coverage.
- Parents with a 16-year-old male driver on their policy can expect to pay an average of $2,560 for full coverage. A female driver at that age would pay an average of $2,257 annually.
- A DUI conviction on your license results in an average of $1,868 per year for full coverage.
- Having an excellent credit score makes insurance costs just $1,016 per year for full coverage, on average.
On This Page
- How much is car insurance in Idaho?
- Idaho car insurance rates by city
- Average car insurance costs by age and gender in Idaho
- How does driving record impact the cost of car insurance in Idaho?
- Car insurance in Idaho by credit tier
- Idaho car insurance rates by vehicle type
- How to save on car insurance in Idaho
- Estimate your car insurance cost in Idaho
- Frequently asked questions
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.
Average minimum coverage premium in Idaho | Average annual full coverage premium in Idaho |
---|---|
$267 | $1,133 |
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.
Idaho city | Average annual full coverage premium | Percentage change from Idaho average annual full coverage premium |
---|---|---|
Boise | $1,032 | -9% |
Caldwell | $1,142 | +1% |
Idaho Falls | $1,175 | +4% |
Meridian | $1,033 | -9% |
Nampa | $1,119 | -1% |
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.
Age | Average monthly full coverage premium in Idaho | Average annual full coverage premium in Idaho |
---|---|---|
Age 16* | $213 | $2,560 |
Age 18 | $341 | $4,087 |
Age 20 | $245 | $2,937 |
Age 25 | $127 | $1,526 |
Age 30 | $101 | $1,214 |
Age 40 | $96 | $1,149 |
Age 50 | $86 | $1,036 |
Age 60 | $84 | $1,005 |
Age 70 | $93 | $1,119 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age | Average monthly full coverage premium in Idaho | Average annual full coverage premium in Idaho |
---|---|---|
Age 16* | $188 | $2,257 |
Age 18 | $276 | $3,306 |
Age 20 | $196 | $2,349 |
Age 25 | $112 | $1,340 |
Age 30 | $97 | $1,159 |
Age 40 | $93 | $1,116 |
Age 50 | $85 | $1,022 |
Age 60 | $83 | $990 |
Age 70 | $91 | $1,092 |
*16-year-olds calculated on parents' policy with discounts applied; 18- and 20-year-olds are renters on their own policies with no discounts applied.
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.
Age | Average annual premium for drivers on their parents' policy in Idaho | Average annual premium for drivers on their own policy in Idaho |
---|---|---|
Age 16 | $2,409 | N/A* |
Age 17 | $2,124 | N/A* |
Age 18 | $1,999 | $3,696 |
Age 19 | $1,819 | $2,920 |
Age 20 | $1,725 | $2,643 |
*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:
Driving incident | Average annual full coverage premium in Idaho | Percentage increase from Idaho average annual full coverage premium |
---|---|---|
Clean driving record | $1,133 | 0% |
Speeding ticket | $1,338 | +18% |
Accident | $1,557 | +37% |
DUI | $1,868 | +65% |
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.
Credit tier | Average annual full coverage premium in Idaho | Percentage change from Idaho average annual full coverage premium |
---|---|---|
Poor | $1,868 | +65% |
Average | $1,218 | +8% |
Good | $1,133 | 0% |
Excellent | $1,016 | -10% |
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.
Vehicle | Average annual full coverage premium in Idaho |
---|---|
Toyota Camry | $1,133 |
Ford F-150 | $910 |
Honda Odyssey | $948 |
BMW 330i | $1,542 |
Toyota Prius | $1,226 |
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
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?