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Average cost of car insurance in Idaho for 2024

Updated Sep 01, 2024
Idaho drivers pay an average annual cost of $1,322 per year for full coverage car insurance and $335 per year for minimum coverage.
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How much is car insurance in Idaho? 

The cost of car insurance in Idaho depends on a variety of factors, including your age, driving history, claims record, ZIP code and more. Knowing on average how much car insurance is in Idaho can help you compare rates and make the best choice for your own policy. In Idaho, full coverage costs an average of $1,322 annually, while minimum coverage costs $335. Although minimum coverage is typically cheaper than full coverage, keep in mind that it provides limited financial protection in the event of an accident.

To determine average costs for car insurance in Idaho, Bankrate reviewed quoted premiums from Quadrant Information Services. In choosing top-rated providers, we also considered insurers’ third-party rankings per J.D. Power, financial strength per AM Best, coverage options, digital tool availability, discount opportunities and more. Then, we calculated a Bankrate Score on a 5.0 scale for each company. The higher the Bankrate Score, the better.

Key takeaways

  • The average cost of state-mandated liability coverage in Idaho is $335 per year while full coverage, which typically adds on collision and comprehensive insurance, costs an average of $1,322.
  • Residents of Boise have some of the lowest rates in the state, paying an average of $1,204 for full coverage.
  • Drivers with excellent credit history pay an average of just $1,223 per year for full coverage.
  • Those with a DUI conviction pay an average of $2,213 per year for full coverage.

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Idaho car insurance rates by city

The city you live in, as well as your 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 9 percent less than the state average.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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 16-year-olds on their parents’ policy, as most drivers under 18 don’t qualify for an individual policy. Older drivers on their own policy can typically get cheaper rates because they have more experience behind the wheel and are statistically less likely to be involved in an accident.

Age 16*
Average annual full coverage premium in ID
$3,000
Average minimum coverage premium in ID
$846
Age 18
Average annual full coverage premium in ID
$4,420
Average minimum coverage premium in ID
$1,335
Age 20
Average annual full coverage premium in ID
$3,281
Average minimum coverage premium in ID
$874
Age 25
Average annual full coverage premium in ID
$1,813
Average minimum coverage premium in ID
$459
Age 30
Average annual full coverage premium in ID
$1,491
Average minimum coverage premium in ID
$367
Age 40
Average annual full coverage premium in ID
$1,373
Average minimum coverage premium in ID
$344
Age 50
Average annual full coverage premium in ID
$1,259
Average minimum coverage premium in ID
$326
Age 60
Average annual full coverage premium in ID
$1,215
Average minimum coverage premium in ID
$322
Age 70
Average annual full coverage premium in ID
$1,355
Average minimum coverage premium in ID
$378
Age 40
Average annual full coverage premium in ID
$1,373
Average minimum coverage premium in ID
$344
Age 50
Average annual full coverage premium in ID
$1,259
Average minimum coverage premium in ID
$326
Age 60
Average annual full coverage premium in ID
$1,215
Average minimum coverage premium in ID
$322
Age 70
Average annual full coverage premium in ID
$1,355
Average minimum coverage premium in ID
$378
*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 16*
Average annual full coverage premium in ID
$2,664
Average minimum coverage premium in ID
$777
Age 18
Average annual full coverage premium in ID
$3,926
Average minimum coverage premium in ID
$1,166
Age 20
Average annual full coverage premium in ID
$2,781
Average minimum coverage premium in ID
$781
Age 25
Average annual full coverage premium in ID
$1,633
Average minimum coverage premium in ID
$441
Age 30
Average annual full coverage premium in ID
$1,423
Average minimum coverage premium in ID
$368
Age 40
Average annual full coverage premium in ID
$1,271
Average minimum coverage premium in ID
$327
Age 50
Average annual full coverage premium in ID
$1,174
Average minimum coverage premium in ID
$327
Age 60
Average annual full coverage premium in ID
$1,182
Average minimum coverage premium in ID
$320
Age 70
Average annual full coverage premium in ID
$1,308
Average minimum coverage premium in ID
$369
Age 40
Average annual full coverage premium in ID
$1,271
Average minimum coverage premium in ID
$327
Age 50
Average annual full coverage premium in ID
$1,174
Average minimum coverage premium in ID
$327
Age 60
Average annual full coverage premium in ID
$1,182
Average minimum coverage premium in ID
$320
Age 70
Average annual full coverage premium in ID
$1,308
Average minimum coverage premium in ID
$369
*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
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Bankrate’s take: In every state except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, car insurance carriers are permitted to use gender when determining a driver’s premium. Because women tend to file fewer claims, car insurance rates for women are often nominally lower than rates for men in the same state.

Cost considerations for young drivers in Idaho

Young drivers cannot purchase their own car insurance policy until they turn 18. However, those ages 18 to 25 may want to consider staying on their parents' policy, if possible, since coverage would likely cost less than if they have their own policy, as shown in the chart below.

Caret Down
Age 16*
Avg. annual premium for drivers in ID
$2,832
Age 17
Avg. annual premium for drivers in ID
$2,546
Age 18
Avg. annual premium for drivers in ID
$2,407
Age 19
Avg. annual premium for drivers in ID
$2,167
Age 20
Avg. annual premium for drivers in ID
$2,053
*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 18
Avg. annual premium for drivers in ID
$4,173
Age 19
Avg. annual premium for drivers in ID
$3,428
Age 20
Avg. annual premium for drivers in ID
$3,031
*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 Avg. annual premium difference for drivers on their own policy
Age 18 75 percent more
Age 19 58 percent more
Age 20 47 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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

Being at fault for 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 increases rates that much more.

Here are average rates for Idaho drivers with various marks on their driving records:

Clean driving record
Avg. annual premium* in ID
$1,326
Percentage increase from ID avg. annual premium*
0%
Avg. annual premium* in ID
$1,564
Percentage increase from ID avg. annual premium*
18%
Avg. annual premium* in ID
$1,853
Percentage increase from ID avg. annual premium*
40%
Avg. annual premium* in ID
$2,192
Percentage increase from ID avg. annual premium*
65%
*The rates reflected are for full coverage policies.

Car insurance rates in Idaho by credit score

Having an excellent credit history may earn you a rate that is below the state average because actuarial data show that drivers with good credit tend to file fewer claims. Conversely, poor credit is correlated with a higher likelihood of claims, resulting in a higher cost of car insurance, as shown here.

Avg. annual premium* in ID
$2,028
Percentage difference from ID avg. annual premium*
53%
Average
Avg. annual premium* in ID
$1,437
Percentage difference from ID avg. annual premium*
9%
Avg. annual premium* in ID
$1,322
Percentage difference from ID avg. annual premium*
0%
Excellent
Avg. annual premium* in ID
$1,223
Percentage difference from ID avg. annual premium*
-7%
*Rates reflect full coverage policies.

Idaho car insurance rates by vehicle type

How much car insurance is in Idaho depends partly on the make and model of your vehicle. 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 the average rates for some common makes and models.

Avg. annual premium* in ID
$1,322
Avg. annual premium* in ID
$1,204
Avg. annual premium* in ID
$1,107
BMW 330i
Avg. annual premium* in ID
$1,665
Toyota Prius
Avg. annual premium* in ID
$1,474
*Rates reflect full coverage policies.

Estimate your car insurance cost in Idaho

There are several major factors that inform Idaho car insurance rates, so it can be difficult to figure out on your own if you’re getting a fair quote. That’s why Bankrate created the calculator tool below. Just enter some basic information, and you’ll get a rough estimate of your insurance premium. It’s not an exact quote, but it can give you a good idea of what to expect and help you budget for insurance.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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How to save on car insurance in Idaho

There are ways to mitigate steep car insurance rates in Idaho. First and foremost, maintaining a clean driving record will keep costs in check. A single DUI conviction in Idaho could raise your premium by an average of 65 percent. Here are some other ways to secure affordable car insurance in ID:

  • Research your vehicle before you buy: Some cars are cheaper to insure than others. Sports cars, 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.
  • Increase your deductible: The deductible is the amount you pay before your coverage kicks in when you have full coverage. Increasing your deductible may result in a reduced premium price. Be careful, however, that you only increase your deductible to an amount you would be comfortable paying out of pocket if you have an approved claim on your policy.
  • Drive safely: As we noted above, a clean driving record is likely to earn you a lower premium rate. If you've had marks on your record in the past, you may want to consider taking a defensive driving course to brush up on your driving skills. Many insurers will even give you a discount for taking one.
  • Utilize discounts: Almost all carriers offer at least a few discounts to their policyholders. Many of these are easy to earn. You might be eligible for a discount, for example, if your car has airbags and antilock brakes. Other possible discounts may include paying your premium in full, receiving your documents via email rather than postal mail and, for teen drivers, maintaining a good grade point average.

Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
Location
34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good
Good credit score
Insurance Auto
Clean driving record
Business
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes.